davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have a very good credit rating, but I was late on one payment to the Bank of America. I have been a customer for over 30 years and thought with my payment record that they might waive the late fee. I was told that there is a law on the books that they have to treat all customers equal, therefore they could not give me a waiver. So I went on line to see if there is such a law and was not able to find anything regarding this law. I want to know that in fact this is true. Can you please help me with this? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX XXXX XXXX
Consumer complaint received 2015-06-23
Product: Credit card — 
Issue: Sale of account — 
Company: American Coradius International LLC (FL)

XXXX XXXX -- THEY CALL CONSTANTLY EVERYDAY, TWICE A DAY. THE ORGINAL ACCOUNTS THAT THEY ARE TRYING TO COLLECT ON ARE AT LEAST 4 YEARS OLD AND IN FLORIDA AFTER 4 YEARS THE DEBT BECOMES UNCOLLECTABLE. I HAVE SPOKEN TO THEM IN THE PAST AND REQUEST THEY QUIT THE CALLS TO NO AVAIL. ALSO ACI BILL PAY XXXX AND XXXX AND XXXX ALSO CALL FREQUENTLY.
Consumer complaint received 2015-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

After refinancing my home I was only given temporary payment coupons to make my payment. Once I received my first paper statement it showed a shortage of XXXX. My first statement was received on or about XXXX XXXX. I contacted XXXX, the mortgage company and attempted to correct the discrepancy, however, XXXX was in the process of selling my loan and was unable to assist me in any way and was instructed to call the new loan servicer ( SLS ) to correct any problems. SLS was unable to assist me until they processed the loan after XXXX XXXX. I contacted them again on XXXX/XXXX/2015 and XXXX and was informed that they do not have any information prior to their taking control of the loan and offered to request my statements from XXXX Mortgage to review. No statements were ever sent to me. I contacted SLS again approximately the middle of XXXX to attempt some resolution. After speaking with the agent she was able to see past payment activity and was able to locate the issue of XXXX Mortgagemisapplying my first payment causing payments to be late from that point forward. Now I am in a situation were neither mortgage company claims to have the ability to assit me in the matter. I made contact with the first mortgage company as soon as I received my first statement showing a discrepancy was sent and made me aware.
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Latest update on XXXX XXXX. Filed for judgment and won. I do not owe XXXX any money and in fact they owe me money. They owe me {$460.00} as per case no. XXXX. attached.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX
Consumer complaint received 2016-01-27
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I am trying to refinance my mortgage through the Harp program. SLS ( HELOC ) will not agree to the subordination agreement unless I pay them approximately {$3000.00}. I 've asked a supervisor to me to explain and no one has returned my call. I called again and they still tell have n't return my call.
Consumer complaint received 2023-07-05
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: Southern Auto Finance Co (FL)

I did not authorize these investigations in my credit report that have the dates marked. 

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
Consumer complaint received 2023-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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.

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 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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 an account without my written instructions.
Consumer complaint received 2017-02-08
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Comerica (OR)

Comerica XXXX Bank XXXX was entrusted to be my mothers mineral rights trustee and managed the trust from XXXX/XXXX/XXXX thru, upon their resignation date of XXXX/XXXX/XXXX. As successor trustee I reconciled the trusts known income and known distributions during this timeframe with our CPA and have come to the conclusion that Comerica embezzled {$47000.00} for the XXXX tax year. After their resignation and all transaction we completed thru XXXX/XXXX/XXXX, I formally sent them a 'notice of accounting objection ' with still no response and we determined the exact balance of {$38000.00} still owed the trust as we speak.
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 
XXXX  XXXX account # XXXX has violated my rights. 
XXXX  XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights. 
XXXX  XXXX XXXX account # XXXX has violated my rights. 
XXXX and XXXX account # XXXX has violated my rights. 
XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2016-05-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Collection Service, Inc (FL) (FL)

I have asked United Collection Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America continues to erroneously report a mortgage payment made in XXXX XXXX as being 30 days late. I have submitted letters with a bank statement ( the latest letter was sent on XXXX/XXXX/XXXX and BOA acknowledged they received it ) showing the payment was made on XXXX/XXXX/XXXX and cleared a BOA checking account on XXXX/XXXX/XXXX. I have made numerous calls where I am promised someone will look into it and get back to me.. and I hear absolutely nothing. The latest call was on XXXX XXXX, I spoke to a supervisor in XXXX, Az who gave me his contact info and said I would be hearing back in 3 days. Never heard a word, called and left several messages. To date still nothing. Every rep I spoke to acknowledges that the payment was made within 30 days, then transfers me to another department, who then transfers me to yet another XXXX and no one can seem to rectify the issue. Bank of America 's lack of customer service and trained employees is toxic to their customers financial well-being. I have also tried to resolve this through Experian, but was told I shoudl contact the bank,. I need this resolve ASAP as it is affecting my credit rating.
Consumer complaint received 2023-07-05
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: Lockhart, Morris & Montgomery Inc. (FL)

I have already disputed this account and won same debt with a different debt collector the account was turned to closed account then removed now it's back as a derogatory collection the have the wrong information the account was open like 5 years ago I'm aggravated cause it just damaged my perfect credit score that I been working hard onIn accordance with fair credit reporting act XXXX  account Lockhart, Morris and Mont Has violated my right. 15 u.s.c 1681 section 602 A. States I have right to privacy. 15 u.s.c 1681 section 604 A section 2 : it's also state a consumer reporting agency can not furnish account with out my written instructions.
Consumer complaint received 2015-08-06
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Performant Financial Corporation (CA)

DCS did not send statements of receipt of payments. The information that was provided in ledger by a third party shows the accurate amount received was not applied to my account. 
DCS failed to respond to my written request for a statement and did not notify me that they would be transferring my account to another company.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

A fraudulent account was set up at Experian using my social security number. Because the account was established using the fraudster 's email and phone, it is impossible for me to reclaim the account ; login requires a security code, which if course will go to the fraudster 's email and phone. Multiple phone calls and emails to Experian have resulted in disconnections and no response.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed an account and requested verification of the following account that Transunion has re-listed on my credit file : US Bankruptcy Court XXXX GA # XXXX ;. Transunion listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification. 

On my dispute submitted XX/XX/XXXX, and XX/XX/XXXX, Transunion has yet to verify this account. However, interesting enough, they have stated they verified the account. 
Since Transunion states they use XXXX XXXX as the source they obtained the information, I called XXXX and the agent I spoke with advised me that my security freeze was confirmed and set into place. She also told me that there is NO inquiry from Transuion or mode of verification from XXXX XXXX to Transunion showing on my XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Transunion shows as reported. 

I demand that this public record US Bankruptcy Court XXXX GA # XXXX is removed due to lack of verification and inaccurate reporting of verification! XXXX XXXX agents assured me that Transunion 's so-called " verification '' WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMER FILE HAD A SECURITY FREEZE ON IT. 

I demand that this unverified account : US Bankruptcy Court XXXX GA # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. 

I would like to note that XXXX has deleted this unverified account from my report because they stated they falsely verified this account. Although these are XXXX companies are different I suspect the same results when a creditor has reported false information
Consumer complaint received 2016-07-08
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (CA)

I am co-signed on student loans with my brother-in-law. He is struggling to make the payments and I do not have the money to make the payments. I have told them this in the past and they start calling me shortly after XXXX and repeatedly call me every hour all day.
Consumer complaint received 2015-08-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Law Office of Michael J. Scott, PC (TN)

I got this student loan through XXXX XXXX XXXX, not it is being handled by Scott & Parnell. My Grandmother got this loan for me to go to The Univeristy of XXXX in 2005. Since college I have barely been able to pay all of the bills I have because I ended up having to care for my elderly grandmother who became ill over the years. I have tried to negotiate with them, but they told me I have to pay the total amount up front. I could either do that or pay {$500.00} a month. Since I have not been working that is out of the question. I tried to neotiaate a payment years ago and they told me it was not negotiable. I believe that this loan is past the statute of limitation for suing me based on the paperwork I have.
Consumer complaint received 2016-06-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX accounts ending in xxxx and xxxx, have incorrectly listed dates of when they became past due. Due to the failure of the University XXXX Vermont, the original creditor, to report the correct first date of missed payment, to the consumer agencies, the date of removal from my consumer report is incorrect. I have attached direct correspondents with XXXX XXXX a representative of the University XXXX Vermont, and the person that reviews these disputes. 

In the correspondence XXXX clarifies that the due date for the account ending in xxxx was XXXX/XXXX/XXXX, thus establishing the date of first delinquency. This is in divergence to the date of XXXX/XXXX/XXXX reported to the consumer agencies. XXXX establishes that the date of XXXX/XXXX/XXXX is actually the date that the past due account was forwarded to a collection agency. 

For the loan ending in xxxx XXXX establishes that as the guarantor of the loan the University XXXX Vermont purchased the loan that was already in default and subsequently transferred it to a collection agency. The date of Advance to the collection agency, XXXX, is XXXX/XXXX/XXXX, that is also the date listed on my consumer report as the open date, and the erroneously used to determine the fall off date. The correspondence establishes that the date of first missed payment that leads to the cause of action happened well before the university purchased the loan as the guarantor. XXXX also establishes that the original advance date of the loan was XXXX/XXXX/XXXX : clarifying that the institution that she represents and is reporting to the consumer agency is unaware of the date that leads to the cause of action. 

Furthermore, XXXX in a preceding email states that these accounts should fall off my credit report in XXXX XXXX, XXXX years from date of last activity ( paid in full ) instead of the date of delinquency, indicating that she is woefully unfamiliar with or disregarding the FCRA. I have now made multiple attempts to have these issues rectified, directly with XXXX and with the credit bureau, and thus far have only been able to have debts erroneously reported as still owed marked as paid. 
The credit bureau has failed to investigate the claim, instead they suggest that I dispute the item each time I speak with them. That has worked to no avail as they close the dispute after the University states the information is correct, even though the documentation submitted to the credit bureau shows otherwise.
Consumer complaint received 2016-10-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Systems International, Inc. (AR)

credit systems has ruined my credit history, it prevented me from getting approved for home loan due to multiple agencies keep collecting and selling the same debt to other debts collector agencies making it look like i have more debt than i actually do, i already paid what i owe the XXXX $ .XXXX that has sold my original account to multiple agencies collecting the same debt.it stills shows on my credit history and my wife as well even when i paid off my original debt.
Consumer complaint received 2023-08-05
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. (MI)

248.124 Reasonable opportunity to opt out. 
( a ) In general. You must not use eligibility information that you receive from an affiliate to make marketing solicitations to a consumer about your products or services unless the consumer is provided a reasonable opportunity to opt out, as required by 248.121 ( a ) ( 1 ) ( ii ). 

( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( 1 ) By mail. The opt out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means. 

( 2 ) By electronic means. 

( i ) The opt out notice is provided electronically to the consumer, such as by posting the notice at an Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means. 

( ii ) The opt out notice is provided to the consumer by e-mail where the consumer has agreed to receive disclosures by e-mail from the person sending the notice. The consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable means. 

( 3 ) At the time of an electronic transaction. The opt out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on an Internet Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted. 

( 4 ) At the time of an in-person transaction. The opt out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a yes or no to indicate their opt out preference or that requires the consumer to check one of two blank check boxesone that allows consumers to indicate that they want to opt out and one that allows consumers to indicate that they do not want to opt out. 

( 5 ) By including in a privacy notice. The opt out notice is included in a GLBA privacy notice. The consumer is allowed to exercise the opt out within a reasonable period of time and in the same manner as the opt out under that privacy notice.