davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit account and inquiries that are hurting my general reputation as a consumer. 
15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-03
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: Shellpoint Partners, LLC (CA)

Good morning, I received a letter last Saturday XX/XX/2022 ( Please see attached file ) which i never authorized to run my credit report. 
There was an initial talk to the agent but in the end of the conversation i decided not to proceed i have not given authority to run the credit check and even to the point of not giving my social security. ( May be you can check on your recorded line ) I wish this can reverse thru my credit points, i want action to this matter before i start filing a credit complain to the three major consumer report. Pertaining to ( XXXX XXXX and XXXX consumer ) My rights as an individual was compromise. I presume the agent got my SSS thru my old inquiry last year.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

in accordance with the fair Crest Fosporing act XXXX  Alcourt my rights 15 US C 1681 section 802 A. States I have the right lo privacy.

15 US. C 1881 Section 804 A Section 2 : 2 also states a consumer reportng agone ) can not fumish a account witout my writen instructions 1. XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Account type Collection 2. XXXX XXXX XXXX  Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card 3. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan 4. XXXX XXXX  XXXX Account XXXX XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan
Consumer complaint received 2023-01-18
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: NAVY FEDERAL CREDIT UNION (GA)

My daughter in I share a joint account at Mavy Federal Credit Union. She applied for a personal loan on XX/XX/2023 however the application was ran under my credit report instead. When I received the alert on my credit report i immediately called Navy Federal. The company said they are unable to remove the inquiry on my report because the application was done on my NFCU application. I explained in detail that my daughter which is XXXX was applying for the loan on her own but the representative insisted it wasn't anything they could do. I advised the representative that I am currently in process of a refinance on my home and I can't have any non valid inquiries on my credit.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

2 accounts closed by consumer due to company closing. 
XXXX XXXX XXXX XXXX XXXX Paid off/ closed accounts still showing up XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts that are paid for Federal student loan that's been closed by XXXX
Consumer complaint received 2023-01-15
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: NAVY FEDERAL CREDIT UNION (FL)

according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below
Consumer complaint received 2022-10-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IL)

I graduated from college in XXXX. I have a FFEL loan and was awarded a Pell grant. I was waiting to consolidate my privately held loan since we had until XX/XX/XXXX. With the abrupt change I no longer qualify for cancellation. I have a PELL grant and qualify for the forgiveness but an abrupt change in policy took that from me. I made payments during COVID. I feel like this is unfair and students with PELL grants should qualify regardless of who hold the loan. Please amend the XX/XX/XXXX policy change!
Consumer complaint received 2023-01-15
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: Experian Information Solutions Inc. (VA)

Subject : Disputing Information in Credit Report I am writing to dispute the following information on XX/XX/2023 from the company XXXX. 

This is inaccurate becauseI did not authorize an inquiry. I am requesting XXXX be removed from my credit report. 

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 2023-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Hello I'm asking for your help with my Lender! Mr. Cooper did a analysis on XX/XX/XXXX. My homeowner insurance increased, as well as my property taxes. Effective on XXXX, XXXX. The amount would increase my monthly payment by {$20.00} The shortage in escrow is roughly {$190.00}. Escrow increased {$140.00}. I know the lender can apply a cushion for future increases, up to 12 months! But I know they also have a percentage cap! Also the companies won't my any changes until the following year! Also Lenders would give me a opportunity to pay the actually shortage and adjust the monthly mortgage to accommodate the balance of escrow for the year. INSTEAD OF A INCREASE Of {$20.00} MONTHLY, I GOT A INCREASE OF {$110.00} MONTHLY, A SHORTAGE OF XXXX I understand the overage will be returned at the end of the year! But I'm a senior on a fixed income! This is way to much of a adjustment! 
Monthly pmt was {$1100.00} to {$1200.00} Property taxes XXXX {$3100.00} to {$3200.00} per year Homeowners insurance XXXX {$660.00} to {$840.00} per year I hope I explained it to your understanding, Please help!! I didn't know how to down load paper work. thank you in advance.
Consumer complaint received 2023-01-15
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. (SC)

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 15USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 record 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 2023-01-15
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. (SC)

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 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 record 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 2023-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

Fedloan reports that I was late on my payments for 90 days it more. I started paying my loan with XXXX  XXXX XXXX. My account was set to autopay. For 3 months, ( XXXX XXXX  ) I would see payments go out of my bank account on behalf of the Department of Education XXXX In XX/XX/2018 I got a email saying no payment had been made, funds were available. I tried calling and could not get a response. I then saw on my credit report I was late. This came as a shocker because I had no idea who they were because I was paying to XXXX  XXXX XXXX. The person on the phone was not helpful. So we did not resolve anything. Dead end after dead end and now its XXXX and I finally speak with someone at Fedloan to get things straighten. I started my payment plan and have made payment a every month since. When calling about why I have 3 months of missing payments I keep getting different answers. 1 person said its because my account was set to paperless and they sent the info to my online account but I didnt see it yet because i hadnt even spoken with the company to even know there was a account with them. I agreed with ACT ( account control technologies ) to start repaying my loan which I started immediately doing, non of my information was transferred over to Fedloan, when I finally spoke with Fedloan all of the information on my was incorrect ( email, address, etc ) which ACT had because I was making payments. I have made all payments to Fedloan since then and have tried to get this cleared up. From XXXX I have never been late and current on all payments. During the pandemic Fedloan sold my student loans to another company and again my information like address and phone number was incorrect, and that company had since sold my loan again to another company. Please help.
Consumer complaint received 2023-01-15
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. (SC)

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 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 record 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 2023-01-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (MS)

My name is XXXX XXXX and I signed up wise to receive payments but unfortunately this company frozen my funds in my Wise account without any explanation as to why they would not give it to me. 

My email with wise is XXXX This company called Wise is a very fraudulent company because they have blocked thousands of customers accounts and purposely hold their funds. 

After a lot of appeal, I logged into my account through the appeal website and saw that wise has asked for details of my bank for a refund of the balance on my wise account and I provided my USD bank details on Monday XXXX XXXX, 2023. 

I need wise to issue a refund to my XXXX bank details and to apologise to me for holding my funds for so long. 

My Bank details I submitted to wise is Routing number : XXXX Account Number : XXXX I also need a receipt of payment to he sent to their response to this complaint after the funds have been sent Again, the email associated with my wise account is XXXX XXXX
Consumer complaint received 2023-01-15
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. (TX)

In accordance to the Fair credit reporting act XXXX account XXXX has violated my rights 15 u. s 1681 section 602 A states that I have the right to privacy 15 u s 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Account Number Verification XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXXXXXX Validate AccounXXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX OF XXXX XXXX Validate Account XXXX XXXX  XXXX Validate Account
Consumer complaint received 2023-01-15
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. (MD)

I opened a XXXX XXXX in XX/XX/2022. I used the account once to purchase approximately {$50.00} in fuel and it was closed by the lender for potential suspicious activity. I paid the amount I had charged immediately. In XX/XX/2022 I received an email that my monthly membership fee of {$10.00} was due. I emailed customer service and they indicated that it was a mistake, the account was closed, and I owed no balance and no monthly membership fee. In XX/XX/2022, they reported a {$10.00} balance as delinquent, Up to 30 day beyond terms on my Experian Business credit report. My credit score dropped from XXXX to XXXX because of the incorrect reporting. I was also denied a business credit card with another lender because of the erroneous delinquent reported account.
Consumer complaint received 2023-01-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I called my bank, JP Morgan Chase, asking why my checking and savings account were restricted considering that was all the money I own, all the money to my name. They said it was due to a recent fraudulent check that had returned. I tried to explain I was scammed the XXXX of XXXX. Ive endured hours on the phone with customer service to let them know in advance before the check cleared. I even have a police report to prove it. I asked if I could enroll in a payment plan to pay off the owed debtthe representative said only after the accounts were closed and when the balance was in collections I could do that. They refuse to give my back MY SAVINGS, and combined my money with the aforementioned owed funds on XXXX of my XXXX accounts. Thats bull, I wouldve liked to save my account if I couldve.
Consumer complaint received 2022-10-05
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 : states I have the right to privacy.

15 USC 1681 Section 4 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-15
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Kabompo Holdings, Ltd. (NC)

Back in XX/XX/2022 I completed an online application with Paxos Trust LLC to setup an account. The application required a name, social security number, full address, telephone number, and email address. In addition, it requests that applicants submit a selfie photo and a pic ( front and back ) of their state issued iD or drivers license. After completing the application, Paxos emailed me a Request for Additional Information. In response to this request I submitted more private/personal details.. my source of income, employer name and location, proof of residence ( utility bill ), investment intentions, and criminal history. Well now its been over 2 months since my completion of the application and full compliance with all their requests but still NO PROGRESS and NO UPDATES from Paxos
Consumer complaint received 2023-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Dear XXXX XXXX XXXX, I am writing to file a complaint against Portfolio Recovery, a collection agency, for their alleged violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in relation to an account they claim I owe. 

I have reason to believe that the account is inaccurate, and that Portfolio Recovery has failed to provide adequate verification of the debt, as required by law. Specifically, they have not provided me with a copy of the legally binding contract entered into at the conception of the debt, or any documentation of the original contract with the creditor, XXXX XXXX, that shows the transfer of ownership of the alleged debt. They also have not provided any proof of accurate legal debt assignment, payment history of the alleged debt, the correct original date of first default, or any communication of the payment address of the original creditor. Specifically, Portfolio Recovery has violated the following U.S.C. codes : 1681i ( a ) ( 1 ) ( A ) and ( B ) - Failing to provide verification of the debt upon my request 1681e ( b ) - Reporting inaccurate information on my credit report 1692e ( 2 ) ( A ) - Attempting to collect an alleged debt without a legal contract 1692e ( 5 ) - Failing to provide the payment history of the alleged debt 1692g ( a ) - Failing to provide the original contract of the alleged debt and any mention of transfer of ownership 1692g ( b ) - Failing to communicate proof of accurate legal debt assignment 1692g ( c ) - Forced/coerced admission of liability Furthermore, I believe that Portfolio Recovery has been trying to collect an alleged debt without providing any of the above-mentioned documentation, but with the intention of hurting my credit score and stifling my financial success ( which amounts to passive harassment, coercion, and abuse ).

According to the FDCPA and FCRA, it is the responsibility of the collection agency to provide all the requested information and proof mentioned above, and to report the account while indicating the accurate date of initial default, which provides the timeline for reporting. But Portfolio Recovery has failed to do so. 

I am requesting an immediate investigation into this matter, and that the XXXX XXXX XXXX take appropriate action to hold Portfolio Recovery accountable for their alleged violations, as per U.S.C. code violations. I also request that the collections account be removed from my credit report and that any future attempts to report it be prohibited without the provision of all the information and proof requested above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX