davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$6500.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. NOT PROVIDED ACCOUNT NUMBER XXXX BALANCE {$640.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$2600.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$8200.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. XXXX ACCOUNT NUMBER XXXX BALANCE {$1500.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. XXXX ACCOUNT NUMBER XXXX BALANCE {$3400.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (WI)

Mohela added the incorrect balance to my credit report after verifying the correct balance. I spoke with XXXX XXXX who misrepresented himself as a supervisor, and was unable to help me. I then spoke to XXXX XXXX ( supervisor of customer advocacy ) who stated there's nothing he could do about the balance until they verify it. This is extremely frustrating because I sent a copy of the discharge letter. The customer service I received from both XXXX and XXXX was very upsetting. I definitely regret that XXXX XXXX transferred my loans. Now my credit report is suffering due to this mistake. According to XXXX, it could be incorrectly reporting for 90 days or longer!!!!!
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (HI)

My XXXX Mortgage was sold to LenderLive XXXX. I was switching banks in XXXX and called LenderLive to ask when my mortgage was due before a late fee. I was told XXXX mountain time. After all my bank accounts switched I paid my mortgage electronically on XX/XX/XXXX and thought all was fine. On XX/XX/XXXX I received a letter that my payment was overdue so I called and the agent told me payment was applied and all was fine. I then made my XX/XX/XXXX payment on XX/XX/XXXX like normal. In mid XX/XX/XXXX I received a letter stating my mortgage was now past due by more than 30 days. I also checked my FICO score and to my surprise it had suddenly fallen by more than XXXX points! I again called LenderLive and was told that all was fine. It took me going to XXXX supervisors before learning that my XX/XX/XXXX payment was received but never applied to my loan. It is now XX/XX/XXXX and my credit score has it been fully restored nor has LenderLive returned the {$60.00} " late fee '' they assessed. I feel like I 've been robbed and this is the worst bank ever. EXTREMELY SKETCHY.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (VA)

Attached are two statements from XXXX and XXXX of XXXX. At the bottom of the statement it says total paid during Bankruptcy in XXXX was XXXX and current amount due was XXXX but the next statement says total paid was XXXX and amount due was XXXX. How did the amount increase that I owed? Again I am asking according to the freedom of information act related to your servicing of my mortgage loan. Truist/ SunTrust Mortgage INC. is asserting I was in Default in XXXX and was involved in loss mitigation. I will need a copy of any and all documents concerning this. I need a reproduction of paperwork that was sent to XXXX XXXX my former bankruptcy attorney or myself a complete list of everything that was sent concerning my bankruptcy. I dispute that I was ever in default and that I was on XXXX relief. I also am asking for you to please provide the following information the monthly principal and interest payment, and monthly escrow payment for each month since and including XXXX of XXXX. The total unpaid principal, interest in escrow balances up until today. List all fees, cost, charges, and expenses that have been added to my account since the origination of the loan. All of the fees, cost, charges, and expenses that have ever been added to my account, please list the amount, purpose, payment date if any, and recipient. List by amount, purpose, payment date, account name and account number for all and any mortgage payments which were credited back to me. I also request the person 's, the dates, of all my payments. When the person checked or adjusted. The account statement that you sent does not reflect any of this if there are any codes included in the information that you sent, please attach a complete list of all codes and provide a short description of each code in plain XXXX. I am asking for copies of any notices or arrangements made between Truist Financial and myself included not limited to Lost mitigation concerning the possibility of behind payments and the potential foreclosure.
Consumer complaint received 2023-05-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (FL)

Per " SEC. 4021. CREDIT PROTECTION DURING XXXX. '' If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ). The National Emergency Concerning the Coronavirus XXXX XXXX ( XXXX ) Pandemic was active from XX/XX/XXXX, XXXX XX/XX/XXXX. Being effected financially by XXXX world disaster certainly qualifies me for accomadation. 

The following Account were reported as late or delinquent SBNASELFLNDR Account # XXXX & XXXX The late payments are listed on my credit report as the following XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-05-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TX)

Took out a title loan in XX/XX/2022 to help relocate. I lost my job and got 6 months behind and was homeless but still made arrangements. As I was moving into a stable residence, my car was repossessed in the first day of work & they refuse to tell me where my car is and it has moving boxes in it and plus it barely runs
Consumer complaint received 2023-05-18
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: NAVY FEDERAL CREDIT UNION (IL)

To Whomsoever it May Concern ; This is about the Consumer credit Transaction initiated on ( date ) with your financial institution executed by way of signing an Agreement ( " Document '' ). 
As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. 

In the above-mentioned Consumer Credit transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( ie XXXX, XXXX & XXXX ) XXXX 

According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information 01 Provided by a consumer to a financial institution 2-Resulting from any transaction with the consumer or any service performed for the consumer ; or 3 Otherwise obtained by the financial institution. 

Further, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Therefore, as per the literal interpretation, the organization named XXXX, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. 

In case your Company admits that the organization named XXXX, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA. 

PuUnder5 USC 1681a ( D ) ( 2 ) ( A ) ( iii ), the Consumer Report will not include any formation communicated among persons related by common ownership or affiliated by corporate control. 

Further, 15, USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. 

Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you to remove the below-mentioned information from my Consumer Report ; ALL XXXXXXXX XXXX XXXX XXXX ALL NAVY FEDERAL CR UN If you accept my request, I will not escalate this matter to a federal complaint. 

Thank you for your attention to this matter.
Consumer complaint received 2023-05-18
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. (GA)

I am a natural person, I am a living human being and I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681 and they have violated my rights numerous times. I demand the account ( s ) listed below be removed. 

According to 15 US 1681 ; I have the right to privacy and I did not give Equifax written permission to furnish these inaccurate accounts. 

Account Name & Number : XXXX XXXX # XXXX .....
Consumer complaint received 2015-08-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (FL)

A home equity line of credit that I settled as a short payoff back in XX/XX/XXXX has been updated on my XXXX and XXXX credit reports, with a last reporting date of XX/XX/XXXX with a status of greater than 120 days pasted due. After submitting disputes to this item at XXXX, the status was updated by the creditor as Paid as Agreed for Less than amount owned, but the last report date is still XX/XX/XXXX. I am seeking to have the last reported date to be set to its original state of XX/XX/XXXX. This error makes it look like the item was just processed. I discovered this after being denied credit, and not receiving the best premium for my home owners insurance. The contact with Citibank has been horrendous. 
On XX/XX/XXXX, I submitted a complaint regarding a HELOC that I settled and paid in XX/XX/XXXX being reflected with a last update date of XX/XX/XXXX on my credit reports through XXXX and XXXX. I discovered this issue after being denied an increase in my credit limit and paying a higher premium on home owners insurance. 
I was instructed to contact the Recovery Department by the general Customer Service number. A letter ( see attached ) was sent to me from Recovery Services to submit documentation. I called them before sending over the fax, and they said that they do not have the account in their system because there is no outstanding balance to pay after the account was settled. 
I was also in contact with the Loss Mitigation Department ( transfer to them by Recovery ), and the agent advised that they do not have the account in their system, because the account was settled and closed in XX/XX/XXXX. When I asked for direction on whom to contact, the rep ( XXXX ) became hostile, and hung up on me. I then called recovery back, and was able to get the information I needed ( after being emphatic ) to send documentation to your team. I have sent them the following supporting documentation Credit reports from XXXX from XX/XX/XXXX, as dispute confirmation, and an updated account status as of XX/XX/XXXX. 
Credit reports from XXXX from XX/XX/XXXX, as dispute confirmation, and an updated account status as of XX/XX/XXXX. 
Credit Report from XXXX that has the correct information dating back to XX/XX/XXXX. 
Authorization and Acceptance Letter from Citibank of a short payoff XXXX for cancellation of debt Fund Transfer Wire Last statement for the account reflecting a XXXX balance Discharge of MortgageI have been working on repairing my credit for the last 3 years, and this issue lowered my credit score.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I went to make a deposit at a Bank of America ATM machine located at the XXXX XXXX XXXX XXXX Branch.

I deposited a computer ( vendor check ) for {$900.00}, a small personal size check for {$400.00} and {$100.00} cash. 
I have a business checking account, however I am a sole proprietor. 
The small personal size check was from my own personal checking account that is established with a credit union. 
The machine did not read the small personal size check for {$400.00}, it did read the computer check for {$900.00} and the {$100.00} cash. I called on XX/XX/XXXX, XXXX. A representative said the bank would issue the {$400.00}, they did. 
In the mail I did get a letter from Bank of America with a claim number. In the meantime the credit union notified me that {$900.00} was taken from my personal checking account. 
I have copies of the deposited checks - the checks were meshed together. My personal check is in the front and what is seen from the company check ( in the back of personal check ) to the right is amount {$900.00} and top logo and name of company. The bank took {$500.00} more. 

I have called many times. I spoke with XXXX managers, several bank representatives - it been a few weeks with no contact, mail, to let me know what the hold up is. 
I just called again on XX/XX/XXXX, the Rep said he would escalate and gave me another case number. I'm leery of anyone at the bank, ( BofA ) I find no one wants to help, I can not get through to someone for help.
Consumer complaint received 2023-05-18
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. (FL)

When it comes to the following Credit Bureaus [ XXXX, XXXX, Transunion, XXXX and XXXX XXXX but not limited to them only ; I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens [ 281 SW 715, 719 ] there is no proof of the alleged debt, nor therefore any such debt [ s ] in fact that exist.
Consumer complaint received 2015-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have paid off all of my debt except for my car. Student loans are all paid and the XXXX phone bill that was in collections also. My credit score should reflect that. I also no longer work for XXXX and now work for XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I was looking at my report and noticed there were still some things that were not correct. I sent a letter to Transunion, but it has been more than several weeks, and Transunion still hasn't responded to my letter. That is surely a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before he end of the 30-day period beginning on the date on which the agency receives he notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

As of XX/XX/2023, I have received no documents from Bank of America with all of the Accounts they opened as me or my business over the last 7 Years. I submitted a request on XX/XX/2023 for this information on the CFPB website. On XX/XX/2023, the CFPB notified me that the " company sent its response directly to you and provided a copy to the CFPB '', however, the documents have never been sent to me by mail or email. The none response to the original CFPB complaint is outrageous and should be investigated by the FBI. I have evidence that multiple accounts were opened by employees at Bank of America and attributed to me that I actually never opened and whereby I do not have signature cards and agreements. This is Bank Fraud. It is highly suspicious that Bank of America Officials provided banking account information directly to the CFPB and the CFPB in turn told me that Bank of America would be sending me this information. It has been over 3 Months later I have received nothing. The phone number provided by Bank of America in CFPB Complaint XXXX listed as ( XXXX ) XXXX XXXX is a non-working automated phone number. Please have Bank of America send all Accounts, Statements, Signature Cards, and Agreements open for XXXX XXXX, and my Companies, XXXX XXXX XXXX including XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX. There appear to be bank accounts and credit cards associated with me and my companies I have not approved or authorized. This is Bank Fraud, Identity Theft, and a serious financial crime.
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

I have disputed the Bankruptcy that is showing on my report and the Bankruptcy still remains. I would like for Credit Reporting Agency to provide their method of verification on this. I have already spoken with the court that is listed on the Credit Report and they deny supplying information to the Credit Reporting Agency as it relates to Bankruptcy.
Consumer complaint received 2023-05-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (CO)

Midland Credit Management is harassing me with repetitive phone calls even after asked to stop. They have called me almost everyday since XX/XX/2023, but always from an unknown/private number. The first phone call was answered on XXXX at XXXX. Advised the representative to mail documents pertaining to the debt in question be sent to the address listed on the account and not to call me again. I then received calls on : XX/XX/2023 at XXXX, XX/XX/2023 at XXXX, XX/XX/2023 at XXXX, XX/XX/2023 at XXXX, XX/XX/2023 at XXXX, and XX/XX/2023 at XXXX and XXXX. I answered the second call on XX/XX/2023 and spoke with XXXX. I advised him that what they were doing was harassment. I had already spoken to prior representatives and told them to mail the documentation and to stop calling me. I also advised that the repetitive calls were illegal and I would be filing a complaint.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (OR)

I was incurring account maintenance fees with Wells Fargo. I walked to my local branch and the banker I worked with waived some of my fees. I was informed that in order to receive those waivers, and to continue receiving waivers, I had to open 2 additional accounts. Some time later I went to work for a different financial institution and learned that this was cramming; opening accounts that I did not need. I incurred maintenance fees on accounts that were opened under false pretenses.
Consumer complaint received 2023-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NV)

Out of the blue, I received the following notice 3 days ago from XXXX : AARGON COLLECTION AGEN has flagged your account as Collections. 
Today AARGON COLLECTION AGEN has flagged your account as Collections on XX/XX/2023. 
Source : XXXX XXXX : AARGON COLLECTION AGEN Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2023 Balance : {$56.00} My credit is now being adversely affected and I don't even know or have an inkling of what this is about. I have previously received no correspondence whatsoever from this debt collection agency. I received no physical mail, phone call or email. Can they legally tarnish my credit like this?