davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
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. (TX)

42 U.S. Code 1320d9 - Application of HIPAA regulations to genetic information The Secretary shall revise the HIPAA privacy regulation ( as defined in subsection ( b ) ) so it is consistent with the following : ( 1 ) Genetic information shall be treated as health information described in section 1320d ( 4 ) ( B ) of this title.

( 2 ) The use or disclosure by a covered entity that is a group health plan, health insurance issuer that issues health insurance coverage, or issuer of a medicare supplemental policy of protected health information that is genetic information about an individual for underwriting purposes under the group health plan, health insurance coverage, or medicare supplemental policy shall not be a permitted use or disclosure.

( 3 ) HIPAA privacy regulation The term HIPAA privacy regulation means the regulations promulgated by the Secretary under this part and section 264 of the Health Insurance Portability and Accountability Act of 1996 ( 42 U.S.C. 1320d2 note ).

I have disputes regarding information that is being reported in my credit file. 
XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Neither XXXX, XXXX, nor Experian can accurately validate/verify the debt owed as it is not allowed under the HIPPA Privacy Rule.

15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Consumer complaint received 2022-06-21
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 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 a account without my written instructions 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  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 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. 

XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-03-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I sent a request for a Security Freeze, because I am a victim of ID Theft to XXXX TWICE. I sent them a police report, proof of address, my drivers license and my social secuirity card. I sent the request certified mail and it was signed for on XXXX XXXX 2015 and XXXX XXXX 2015 by Experian.. They have not placed a security freeze on my file although the other XXXX bureaus did place the freeze with the same documentation.
Consumer complaint received 2016-04-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America is in the process of closing my account. I have $ XXXX in my checking account that they will not release to me. I 've called the number directed to call and left several messages. No one has responded with any information. I went to the branch and advised to call the XXXX number again. I want my funds released to me
Consumer complaint received 2022-08-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (AZ)

On XX/XX/2022 someone hacked into my coinbase wallet and stole BTC XXXX at approximate {$250000.00} XXXX etherium at approximately {$35000.00}. 

Coinbase sent me the following response and offered no assistance. Looking on the internet it appears this to be pretty common. They need to be shut down! 

" If you did not confirm any outgoing transactions from your Wallet, we regret to inform you that this means the funds and the seed phrase are now compromised. 

We are unable to provide specific details on how your Wallet was compromised. Cryptocurrency transactions are part of an external process, outside of the control of one entity. They can not be reversed once they are confirmed on the blockchain, therefore Coinbase can not recover the funds in these instances. ''
Consumer complaint received 2022-06-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is not giving consumers the ability to dispute ONLINE or placed credit freezes on our accounts. I have tried several times and have endured an unauthorized inquiry on XXXX from XXXX XXXX. Its very important that the capability of a freeze needs to be accessible at all times. Companies are deceiving customers with only indicating a soft pull but yet are enduring hard credit pulls.
Consumer complaint received 2022-06-21
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally request a method of verification ( MOV ) regarding the items disputed in my initial complaint filed with the Consumer Financial Protection Bureau ( CFPB ), specifically those that you responded to as " verified '' in your investigation. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am requesting that you conduct a reinvestigation of the disputed items as you are required by law to either : 1. **Provide me with the name and contact information of the entity or individual who provided the information you used to verify these items** ; 2. **Delete any items that can not be verified through proper documentation as required under the FCRA. ** Please understand that if the sources you used to verify these items can not be clearly identified and contacted, you are legally obligated to remove the information from my credit report. If the original sources are no longer available, or if they can not provide sufficient evidence of the information reported, the disputed items must be deleted from my credit report in accordance with FCRA regulations. 

For clarity, the disputed items that require reinvestigation are the same items identified in the original CFPB complaint. I have enclosed the relevant information for your reference, including a copy of my initial CFPB complaint and the items in question. 

Please respond to this request within the time frame established by the FCRA ( 30 days from the receipt of this letter ), and provide me with either verification or confirmation of the deletion of these disputed items. Should these items remain unverifiable or inaccurately reported, I will consider further actions under my rights through the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2016-05-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America charged me XXXX {$35.00} overdraft fees for debit card transactions. Bank of America has refused to reverse these charges, although it is not legal or certainly not in compliance with the regulations set forth by Dodd-Frank. The argument Bank of America is telling me by justifying these charges is the a third-party ( in this case XXXX ) has deemed its transactions as " reoccurring '' charges ; so the bank can charge overdraft fees. This is totally unacceptable and is a slippery slop to redefining " reoccurring '' charges. Suppose I visit XXXX, a grocery chain, several times a month and conduct multiple transactions. Will these now be considered " reoccurring '' charges and be processed as such? Bank of America says it has no control what it deems as a " reoccurring '' charge and this is determined by the third party. However, I do n't understand how the bank can allow a third party to determine when a transaction is processed and/or denied and then proceed to charge a fee. Does n't the bank have final say in what is approved and what is n't? Also, if XXXX is skirting the regulation what interest does Bank of America have in protecting the consumer when it can freely charge customers overdraft fees because a third-party has deemed the transaction as " reoccurring '' although the transactions are different amounts and at different points within a given time period? Either Bank of America or XXXX is taking advantage of the consumer and/or skirting financial regulation ; or the financial regulations in place have a large loophole in them that does not protect the consumer, but allows banks and private companies to determine what type of transactions they are processed without any formal regulatory framework.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX BANK ( XXXX ), ORIGINAL CREDITOR, XXXX XXXX XXXX SOLD TO XXXX XXXX XXXX ( XXXX ) has violated my rights 15 U.S.C. 1681 section 602 A. states I have the rights 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 consent.
Consumer complaint received 2024-09-19
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. (NJ)

I am writing to express concerns regarding the verification practices of the XXXX major credit bureaus : XXXX, Equifax, and XXXX. I believe that my consumer rights have been violated in the course of my attempts to dispute inaccurate information on my credit report. 

On XX/XX/year>, I sent notarized affidavits to all three credit bureaus requesting that they provide detailed information regarding the verification methods used to substantiate the accounts listed on my credit report. Unfortunately, despite repeated requests, I have yet to receive any substantive evidence to support the accuracy of these accounts. 

I have sent a total of XXXX affidavits to each credit bureau, all of which were sent by certified mail and included a notarized signature. Each affidavit specifically requested proof of verification sent to my address for the disputed accounts. However, the only response I have received is a generic statement affirming the accuracy of the accounts without providing any supporting documentation. 

I believe that the credit bureaus ' failure to provide adequate verification for the disputed accounts constitutes a violation of my consumer rights. I am requesting an investigation into this matter and take appropriate action to hold the credit bureaus accountable for their practices. 


Timeline of Events : XX/XX/year> : Sent initial affidavits to XXXX, Equifax, and XXXX. 
XX/XX/year> : Sent second affidavits to XXXX and XXXX. 
XX/XX/year> : Sent second affidavit to Equifax. 
XX/XX/year> : Sent third affidavits to all three credit bureaus. 

As of XX/XX/year>, I have yet to receive any substantive response from the credit bureaus regarding my requests for verification. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (WA)

I graduated from college in 2013 and have been paying back my loans since then. I started out at around {$42000.00} for this loan and it has only gone down a couple thousand. I tried consolidating the loan, but it was broken up into XXXX different bills and I would get a separate bill in the mail for each. We had bills not arrive on time and when our payments were sent in it would n't read as paid and my dad and myself got docked hard on our credit. It 's now 3 years later and although the payments are easier to manage, it is still not going down due to the interest rates. Each of the XXXX loans have their own interest rate instead of having XXXX loan and XXXX rate. My federal student loan is down and I have only XXXX more till it 's paid off. I am still at around {$40000.00} for Navient, and I pay over {$600.00} a month. My husband is military and travels a lot and I have a physical illness and ca n't work long enough hours to keep up these payments. It would be one thing if I saw my balance due getting lower, but it seems as if it does n't move. I do n't know what more to do.
Consumer complaint received 2015-08-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

I purchased merchandise from Macy's.com and paid using my Macy 's credit card. After inspecting the merchandise, I returned it, requesting a store credit. The return was made within the correct time frame. Instead of Macy 's issuing a complete refund, I recieved to gift cards in the mail equaling to that amount. I called them and requested that my account be refunded, and they said i should discard the gift cards as it was sent out by mistake and they will issue me a full refund. When the next billing cycle came, I saw that I still had a pending balance. I called the credit again and after XXXX hours on the phone with them, I was told that my balance was now {$0.00}. My bill just came in yesterday. And I have a {$75.00} balance. That was the amount of the second gift card which i no longer have. I tried speaking to many representatives with the credit card but to no avail. They refuse to remove the balance.
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I 'm am a XXXX veteran, My home was foreclosed XXXX XXXX, XXXX. I have the copy of the Deed Under Power of Sale. Recorded in XXXX XXXX, page XXXX of the XXXX County, XXXX, deed records. 
The address to this property is : XXXX XXXX XXXX, XXXX, XXXX. XXXX. This trade line should have been deleted XXXX XXXX from my credit reports. I been inform that this trade line will remain on all XXXX credit reports until XXXX XXXX. The company 's name is : Select Portfolio Servicing Inc. XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX. 
Select Portfolio Servicing has falsified documents, stating that I had paid them after the home was sold XXXX XXXX, XXXX. The original creditor : XXXX XXXX. Subsequent creditor : XXXX XXXX. This Loan was a predatory loan.
Consumer complaint received 2015-10-21
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Atlantic Recovery Solutions LLC (NJ)

This is n't my debt I did n't cosign or anything this debt is my XXXX child 's debt and they do n't even live with me these people are calling and harassing my husband and I on our home phones and cell phones
Consumer complaint received 2016-05-15
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

XXXX ( hereinafter " XXXX '' ) stated that on XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX '' ) took out a loan with XXXX. ( open " XXXX Attachment '' ). To secure repayment, the XXXX executed a Mortgage with XXXX as nominee for XXXX, which was recorded in the EXECUTIVE BRANCH OFFICE OF THE FEDERAL STATE OF HAWAI'I 'S BUREAU OF CONVEYANCES as Document Number XXXX. ( open " XXXX Attachment '' ). Shortly thereafter in XXXX, XXXX claims and states that it sold its loan to COUNTRYWIDE HOME LOANS, INC. ( hereinafter " CWHL '' ). ( open " XXXX and XXXX Attachments '' ). BANK OF AMERICA , NATIONAL ASSOCIATION ( hereinafter " BANA '' ) hired XXXX, HI, XXXX, XXXX, to fabricate two " ASSIGNMENT OF MORTGAGES '', dated XXXX XXXX, XXXX and XXXX XXXX, XXXX, from BANA to BANA. ( open " XXXX and XXXX Attachments '' ). CWHL ships a " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN '' to the XXXX, with a Notice Date of XXXX XXXX, XXXX, stating that the Loan was transferred from XXXX ( hereinafter " XXXX '' ) to BOFA MERRILL LYNCH ASSET HOLDINGS, INC., on XXXX XXXX, XXXX. ( open " XXXX and XXXX Attachments '' ). BANA fabricates another Notice by now claiming to be the Creditor on behalf of BOFA MERRILL LYNCH ASSET HOLDINGS, INC., with a Notice Date of XXXX XXXX, XXXX ( open " XXXX Attachment '' ), without shipping a new and updated " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN '' to the XXXX Attorney FULFILLING THE LAW CENTER ( hereinafter " XXXX '' ), between the dates of XXXX XXXX, XXXX until today dated XXXX XXXX, XXXX. This reveals and uncovers that the left hand does not know what the right hand is doing. BANA assigns an " ASSIGNMENT OF MORTGAGE '' to itself, and then places itself in another " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN '' from FANNIE MAE to BOFA MERRILL LYNCH ASSET HOLDINGS, INC.
Consumer complaint received 2016-03-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: CITIBANK, N.A. (NY)

My husband was unemployed for two and a half years. I was unable to pay credit card bills at the time. Paying mortgage and providing food for my family was the priority. I offered to make payment arrangements but, what they were requesting was in excess of {$200.00} per month which I explained was n't affordable as I was the only one working in a household of XXXX people. This company sought legal action, put a lien on my house and froze my bank account. They debited amounts of a little over XXXX and XXXX XXXX dollars on two occasions and put a freeze on the same amount twice. I had to go to the bank on several occasions and take time off of work to resolve this error over the course of more than one week. The funds they debited were my mortgage funds which put me further in arrears and caused me extreme financial hardship. I contacted them regarding a settlement on a few occasions and they refuse stating since they have a lien on my house so they do n't have to make a settlement arrangement. They are also unwilling to set up a reasonable payment arrangement. I am going to be out of work soon as my company lost their contract and I explained this to them. They are unrelenting and uncooperative.
Consumer complaint received 2016-04-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (GA)

Me and my husband opened an auto loan with Regional Acceptance Corporation XX/XX/XXXX and purchased a XXXX Pontiac Solstice for {$12000.00} at XXXX a month. We have previously paid a few payments late but have been catching up everything here in the last few months. We noticed that our balance has changed but {$1000.00} dollars and our payoff is more than what we purchase the car for. I have asked someone from Regional to call me and give me a break down of our payments and how it affects the interest and principal but no one has contacted me yet. We have paid almost {$10000.00} towards this vehicle and it should be about paid off but instead our balance has n't moved yet. We desperately need some assistance on how to file a complaint because I believe we will never get this car paid off as long as we are will this auto company. Please help us!!!