davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-07-25
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. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-07-26
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. (GA)

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

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft. There are also late payments reported to my consumer files which violate 15 U.S. Code 1666b, which states that no timing shall be late in relation to an open-end credit plan.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for account listed without my expressed written consent.
Consumer complaint received 2019-05-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IL)

On XX/XX/XXXX, I pulled my credit report and was surprised to find four late  payments that were reported by Navient. 
I then called Navient between XX/XX/XXXX and XX/XX/XXXX to ascertain the details on the late payments and the representative I spoke with was unable to find any information regarding the late payments that were reported to the credit bureaus. Consequently, I assumed that this confirmed that the four late payments were an error and filed a credit dispute with XXXX  on XX/XX/XXXX. 

On XX/XX/XXXX I received the dispute results. The results were that Navient had reported the late payments correctly. Furthermore, on XX/XX/XXXX I called Navient again and spoke to a representative with the new data I had received from the dispute outlying the exact dates being XXXX and XXXX of XXXX and got the exact loans that had been reported as the following : 4 Navient accounts - XXXX - XXXX - XXXX - XXXX Stafford Subsidized loan The representative was able to see that I was coming out of forebearance and the rest of my loans as I carry multiple student loans with Navient were still on or continued to be on Autopay, however, these for some reason went to manual pay and only these select 4. 
The automatic debits should have been reactivated after forebearance as the other loans were. 

The representative told me that this very well could have been a technical glitch on the system and to send a narrative with the credit dispute copy attached to this address. 

I did this and sent a narrative similar to above with a credit report dispute result on XX/XX/XXXX via USPS Priority mail. Navient said they would respond within 30 days. As of XX/XX/XXXX they have not responded or issued me any correspondence.
Consumer complaint received 2023-07-26
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. (CA)

YOU VIOLATED THE UNITED STATES CODE LAW I REQUEST A REMOVAL OF UNAUTHORIZED INQUIRY 15 U.S Code 1681a ( 4 ) Consumer Right to Privacy You are reporting fraudulent accounts that arent actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.

FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. YOU ARE IN VIOLATION!!!

15 USC 1681n Civil liability for willful noncompliance you willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this. Willful compliance is punishable up to {$1000.00} per violation. 
18 U.S. CODE 1028A-Aggravated identity theft you shared my information with numerous creditors without getting my consent first. You are criminally liable for aggravated identity theft which is punishable for up to 2 years. 15 U.S. CODE 6802 ( b ) 1 ( a ) ( b ) ( c ) - Obligations concerning disclosures of personal information DID NOT DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY DECEPTIVE OF YOU!! You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION (AL)

Received letter from Regions Bank XXXX XXXX XXXX XXXX, Al XXXX regarding a Standard Overdraft Coverage opt in for an account I did not have. Letter was dated XX/XX/XXXX and mailed to an old address of XXXX XXXX XXXX XXXX XXXX, Al XXXX. I do not nor have I ever had an account with Regions. I notified Consumer Protection and spoke with XXXX who said someone set up the account online. Last four numbers of the Regions Account Number is XXXX. Submitted forms requesting a fraud alert for the account on this day XX/XX/2023. I froze my credit with the three major credit bureaus and was advised by Regions to notify CFPB via Federal Trade Commission.
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

I made a purchase of {$740.00} on XX/XX/19 through XXXX using their Chase XXXX XXXX card. The item was tagged on the website as being eligible for 0 % APR for 18 months @ {$41.00} per month if I used the XXXX card, which I did. After the item arrived I called XXXX on XX/XX/XXXX to verify the promotional APR, since it was not showing on the Chase on-line banking site for the XXXX XXXX card. I was told by XXXX rep XXXX that it was eligible, but that the promotions were handled by Chase. I then called Chase and spoke with XXXX who confirmed the 0 % APR and said that my payments of {$41.00} would be reflected on my XX/XX/XXXX statement. However, when we got the statement that was not the case. I called Chase on XX/XX/XXXX and was told by XXXX that they would listen to the recording of the XX/XX/XXXX call and get back to me. Yesterday, XX/XX/19, they called back and informed me that " yes, XXXX had said that, but he was wrong and you will not get the promotional APR. '' I then spent two hours on the phone with XXXX and Chase trying to get this resolved. Each of them says it is the other 's responsibility, and no one at either company was able help me even though I talked to eight different people! Today, XX/XX/19, I spoke with XXXX, " a US Supervisor at XXXX, '' who told me " that they had numerous complaints about Chase not honoring these promotions, but that there was nothing XXXX could do for me. '' CFPB please help me! Thank you
Consumer complaint received 2020-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (FL)

Received a debt collection notice in the mail from AIC ( Allied International Credit Corp ) in reference to an XXXX  account, claiming that I owe XXXX {$190.00} However, I don't have an XXXX account. Obviously a scam.
Consumer complaint received 2023-07-26
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. (VA)

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal house purposes, and is cause actual damages. 

According to FDCPA 1006.30A/New Rule REGULATION F and its new rule by parking this alleged debt on my consumer reports. 

I am reaching out to Experian in regards to this account and I am receiving vague communication and was emailed a letter on XX/XX/2023 stating they received information that " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 

This letter is in response to your recent claim that Portfolio Account # : XXXX / XXXX XXXX Account # : XXXX has verified that the account they are reporting under my name is accurate. I noticed on my Consumer Report that this company is reporting this account TWICE under two different names, one is named XXXX and the other is called XXXX XXXX. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo refused and dishonored my attempt to make deposits of negotiable instruments which are permitted by law. Wells Fargo corporate office sent a letter on XX/XX/2023 stating that the instruments which were checks drawn upon me to be deposited on demand by law and contained all requirements required by USC 3-104 and are payable on demand. Laws governing negotiable instruments were provided and still refused which caused financial hardship because of Wells Fargo negligence.
Consumer complaint received 2023-07-26
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)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2019-05-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PHH Mortgage Services Corporation (VA)

I currently have a conventional loan with PHH mortgage. I reached out to them to get a refi and cash out a little equity in my home. They steered me to get a FHA rather than another conventional loan. They stated that I did not qualify for the any other loan other than an FHA and after having a family friend who is a loan processor look at the information, that just was not the case. I was told that they could have offered me another product and they failed to do that. I wish to file a formal complaint as I believe this is exactly what got us into the house crisis in 2008.
Consumer complaint received 2023-07-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-07-26
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. (AZ)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 
I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account # XXXX Delete this account. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account # XXXX Delete this account. 
15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account number XXXX Delete this account. 

15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account number XXXX Delete this account. 

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account # XXXX Delete this account. 
15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Please remove it from my credit report.
Consumer complaint received 2023-07-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HILLTOP HOLDINGS, INC (GA)

I received a mortgage from Prime Lending. In the mortgage it specifically said we would not acquire the property until XXXX the XXXX. It was not our house, we did not live there. The house we were living in was listed in the mortgage and was listed as our address. 

Prime Lending sold the mortgage. They claim to have contacted us by mail on the XXXX of XXXX. However, we didn't live there so I have no idea if they did. I received an email from them on the XXXX of XXXX saying the mortgage had been sold and would be finalized on the XXXX of XXXX. This is only 10 days before the sale of the loan. " Except as provided in paragraphs ( b ) ( 3 ) ( ii ) and ( iii ) of this section, the transferor servicer shall provide the notice of transfer to the borrower not less than 15 days before the effective date of the transfer of the servicing of the mortgage loan. '' Now that the loan has been transferred. according to the documentation with the new company, Prime Leaning lied about the effective date. They show the effective date as XX/XX/XXXX, not XX/XX/XXXX. This means even the first documentation they sent me was sent before the 15 day period.
Consumer complaint received 2023-07-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (NC)

My XXXX  experienced difficulties resulting from the XXXX shutdown. We work closely with the Department of Defense and essentially there was no XXXX or training occurring. During this time we had credit card debt that we were slow to pay, namely with Wells Fargo Bank. 

We managed to pay a ~ $ XXXX card off in XXXX, but had another ~ $ XXXX outstanding. I spoke to a representative in XXXX, XXXX regarding my options and I was told at that time, the full amount was due with no exceptions ( payment plan, etc. ), other than an offer to settle at 80 % of the balance - again due right away. 

In XXXX, XXXX, we received $ $ from a family member in our Personal Wells Fargo account ( not business ) to purchase our son a used vehicle for his birthday. Wells Fargo took that money without notice and applied it to the debt owed. 

I proceeded to call to ask what was happening, what other options i had, etc. and was told by XXXX, our " representative '' that multiple attempts were made to settle with no response and that " time had passed. '' I reminded her that I called in XXXX and was told my only option at that point was to settle in full. She replied that there were other options, but they had not heard from me since, so this action was taken. I asked why would I contact them if I was told my only option was to settle in full, which I could not do at this time. She reiterated that is was done now and nothing else they can do. My last statement was " Wow, '' and she proceeded to hang up on me. This occurred on XX/XX/XXXX.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2023-07-25
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.