davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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
Consumer complaint received 2023-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any accounts which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXXXXXX Balance : {$2400.00}, XXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2016-09-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC (CT)

This company is calling about a bill from 2 years ago ... I explained that I need to see the bill and that I do n't even remember the service i.e. ; ambulance ride ... After telling them I need a copy of the bill in question they would n't comply ... I 'm sure this is a scam and I told them so
Consumer complaint received 2023-06-07
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 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. 

The letters are stated with items and issues. 

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 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

so I had some fraud happen on my checking and I had a few late payments on of Bank of America account as a result because I could no make the payment this no fault of own. I asked B of A if they could waive the late fees for me. I had 3 they waived 2 of the 3 and would not waive the last one. I talked to a really rude manager in the coperate office this morning and was like even if you might I will get this every time and they will decline and acted like she was XXXX or the ceo of the company. Its XXXX I dont understand why they are making a big fuss about this. I am an excellent customer who never missed payment s before now. This late payment is not my fault and they need to remove all this company does is press a computer and say they are not going ti remove it they dont even care about me a customer and they dont even try to help me. I am very upset and am very amazed how horrible and rude there cooperate office employees are. They dont care about human element or anything they just press buttons on a computer like a Bunch of robots and they refuse to help out at all. I am very very upset and will keep fighting this until this late fee is removed.
Consumer complaint received 2016-06-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MD)

Good afternoon, I purchased a XXXX from XXXX XXXX in XXXX, NC XXXX XXXX. Since the purchase of the car, I have been XXXX and transferred my duty station from XXXX XXXX, XXXX to XXXX, XXXX. I had not realized that I was delinquent in my payments and that the car payments were not current. During this time my mom who lives in XXXX is helping me straighten out the payments. I also told the finance company, XXXX XXXX that my mom had my authorization to call and talk to them regarding the loan. Due to my job and training I can not always be available to accept phones calls or call out to follow up. 
After my mom reviewed the auto contract she believed I was a possible victim of predatory lending due to the interest rate being so high. And she also how I even qualified for the loan. On XXXX separate occasions my mom called XXXX XXXX and asked them to confirm what my monthly income was. On both occasions XXXX XXXX said it was {$4100.00}. 
Now it 's no long a question of how I qualified. This is fraud on behalf of XXXX XXXX. My monthly income is only {$1900.00} a month. We asked XXXX XXXX to send a copy of the document they received from XXXX XXXX and both times they said they do n't have access to the info to send. They suggested that we contact XXXX XXXX because they have all those documents. I requested my file from XXXX XXXX and they sent me everything but the documents I really wanted, which is the information they sent XXXX XXXX of my monthly income and the approval letter. I had the law firm in XXXX write a letter to XXXX XXXX specifically requesting the documents, but that was over two weeks ago and still no response. XXXX XXXX, the XXXX at XXXX finally responded and still refused to send the documentation I requested. 
Since this mess has started, my command has been involved in this which is negative for me. This could potentially ruin my credit and any future career aspirations I would like to pursue in law enforcement. Due to those fields being effected by how well your credit it. Not to mention XXXX XXXX is threatening to repo the car. 
This is an extremely stressful situation for me and I am asking for your assistance to resolve this issue quickly. If this car dealership did this to me, most likely they have done it to countless other XXXX. 

I also ask that you contact my mom as she knows all the details in this matter and can probably explain details better than I can. she is of the opinion that this should result in a huge investigation and people need to be held accountable. 
As of today I learned that XXXX XXXX XXXX purchased XXXX XXXX and I called them to request the document that XXXX XXXX sent them indicating my monthly income at {$4100.00} and they refused. I asked if they only way to obtain the document was with a subpoena and he laughed and said yes.
Consumer complaint received 2023-06-07
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (CA)

This complaint is my follow-up to ensure that the disputed accounts are deleted. I complained last XXXX to delete the accounts which I believe to be erroneous and fraudulent, this complaint is to notify you to delete the fraudulent accounts in my file Please delete the following accounts : XXXX XXXX XXXX XXXX .... Balance : {$6600.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Balance : -
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (CT)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (AR)

I found out that the accounts on my credit report are incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$30000.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2017-01-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

In XXXX of 2006 I contacted my mortgage company which at the time was XXXX XXXX and ask if my mortgage could be changed from the XXXX to the XXXX. I was told that in order to do that I would have to refinance the mortgage or pay an early payment. I paid the early payment XXXX XXXX of 2006. However the XXXX XXXX payment which was made from my bank, according to XXXX XXXX was not received. The early payment that I made in XXXX on the XXXX was considered by XXXX XXXX to be my XXXX payment and was considered to be late. I have documentation from my bank and from the electronic fund transfer company stating that the mortgage payment in XXXX was deducted from my account and sent to XXXX XXXX. This payment was sent back to my bank but my bank sent it back to XXXX XXXX within 2 weeks and XXXX XXXX received the payment. Though they received the payment XXXX XXXX never documented the payment as being processed so my mortgage continued to appeared to be late. A letter as well as documentation showing that the mortgage was deducted from my bank account and received by XXXX XXXX was sent to Ocwen explaining everything that had happened. Ocwen refused to converse with me so I had a lawyer contact them. My lawyer stated that she was never able to speak with anyone in their law department in attempt to correct this mistake. She felt that my only recourse was to sue them. I am currently in the process of attempting to refinance my mortgage at a lower rate but Ocwen is giving a pay off amount that includes {$6200.00} in late fees which I do not owe. This entire fiasco has affected my credit score and is now going to cause me to lose my locked in rate.
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/2023, USAA sent a letter from a fraudulent incident about 90 days before where individuals pretending to be USAA had transfered {$1200.00} out of my checking account through gift cards in an elaborate scheme pretending to be multiple government agencies. The same day I had called USAA back. They had confirmed that no such call had occurred and I had reported that there had been a theft from my checking account. A reversal of the amount was immediately put back into my checking account on the same day after I had given details of the hours long phone call. On Monday XX/XX/XXXX, {$750.00} was taken out of my checking account from the dispute department without my consent, violating their zero liability policy. I had filed the first complaint. On Tuesday XX/XX/XXXX a second complaint was filed with USAA demanding the return of the funds after they had pulled {$500.00} out of the account. The letter explaining this gave no explanation as to how they drew the conclusion that this was not theft. They claimed they had made a thorough investigation when no contact was made to me for my additional evidence and no contact was made to me in general about the fraud claim. Today, Wednesday, XX/XX/XXXX, I filed a third complaint and told USAA I demanded the return of the funds to the checking account. If they do not act quickly I said, a lawsuit will be filed against them to trigger arbitration. I alerted them that I would be contacting you and be filing a complaint up to and after the filing of the lawsuit on Tuesday XX/XX/XXXX if the funds are not returned. Tuesday XX/XX/XXXX a representative claimed it would take 24 hours to assign a new representative to reopen the investigation. But USAA has done no such thing. I let them know I am already in the US Court of Appeals for another incident and I am sure they would not have any problem with me adding another case.
Consumer complaint received 2023-06-07
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. (VA)

NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code, Title 15 1601 et. seq.

and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq.

This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt.

2 This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : ( 1 ) The name and address of the organization or other governmental unit alleging a debt ; ( 2 ) The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; ( 3 ) The name of the actual creditor even if that is myself ; ( 4 ) The origin of the funds used to create this alleged claim of a debt ( 5 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.

( 6 ) The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.

( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name.

( 8 ) Be advised that verification is defined ( Blacks Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.

( 9 ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.

( 10 ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.
Consumer complaint received 2015-08-18
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NY)

My name is XXXX XXXX my father XXXX XXXX and I filed a case against Citibank and you did not properly investigate. Case # XXXX. I was in contact with the FTC and I was advised to call back to speak with an arbitrator which you do not have. The also stated you should be able to provide to me what proof Citibank provided to prove that I called in and changed the extraction date of the payment. Also how did you reach your conclusion? And what proof did they produce to you. This case needs to be opened again Citibank breached our contract. I make the payments for my father and we are both Veterans of the XXXX. Please let me know when the case has been reopened. I will wait to hear from your agency. I now have proof from my statement copies. My bankXXXX XXXX
Consumer complaint received 2015-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (IN)

On XXXX 2015, i received a notice from AFNI that i owe a bill in the amount of {$1500.00}. 

On XXXX XXXX, 2015, i sent a certified letter to AFNI at the address identified on their letter head to validate the debt and they never responded. 

On XXXX XXXX, 2015 XXXX credit alert company contacted me to report that they had placed this purported debt on my XXXX Credit Report. 

This debt was placed on my credit report without proof that i owe the debt. Furthermore, i have requested XXXX, XXXX XXXX agency to send me the doecumentation and they continue to send it to different collection agencies without sending the information to me. 

This is viewed as fraud under the federal law according to the Fair Debt Collection Practices Act. I have the right to know the following about this purported debt. 

Who was the original creditor on this account and what was the account number? 
What was the origianl amount owed? Complete deteailed Payment History? 
What was the original date of delinquency for this account? 
Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment? 
What did you pay for this accountANDhow did you calclate the current amount owed?
Consumer complaint received 2023-06-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (SC)

We initially had our loan through XXXX. It was transferred in XX/XX/XXXX to Mr. Cooper. They have since placed forced hazard insurance on us and refused to refund us the premium and late fees. Our initial homeowners insurance company was involved in a bankruptcy and we were never notified of it. We continue to pay our premiums monthly. They are trying to tell us that were negative. They raised our mortgage payment. We keep getting the runaround and can not get any answers. I believe they have violated the code We have spoken to them numerous times today XXXX XXXX. They told us that they sent us a letter in XXXX which they did not. I have the two welcome letters they sent us. None of them said anything about insurance being lapsed, and then our first bill received from them was XX/XX/XXXX of XXXX and I have a copy of that as well that showed our escrow balance being {$160.00} and some change far from the negative balance I said we had when our loan transferred to them, we did not know we were behind on anything until the middle of XX/XX/XXXX they did not notify us in the required amount of time according to law.

1024.37 Force-placed insurance.
Consumer complaint received 2023-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

We have FFELP Spousal Joint Consolidation loans. Since the Joint Consolidation Loan Separation Act was passed last XXXX we have been waiting for the DOE to implement a process for us to separate these loans and consolidate them into Direct Loans so that we may qualify for IDR and PSLF. My servicer, Navient, has been allowing us to put the loans into an administrative forbearance in 2 month increments since then. Recently the DOE came out with updated information saying that they won't have a process in place until late 2024 but that borrowers can have their loans put into forbearance until this process is implemented. I just called Navient because my most recent forbearance was expiring and was told that now that they know there won't be a process until late 2024 that there are no longer any options available to us to stop the payments on these. This is outrageous! We should not have to pay another dime on loans that will be forgiven once the DOE does their job and implements a process for us to separate and qualify for IDR and PSLF.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX sent me a letter stating that they were reporting inaccurate information and would send an update to modify my credit file. XXXX XXXX stated, " XXXX XXXX made the business decision to remove the account. There will be no further collection activity, creditreporting or sale of this account. In addition, the XXXX credit reporting agencies havebeen notified to delete all reference to the account in question from your consumer creditfiles ''.