davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I been having these problem initially started when I went to the store and made a transaction at a XXXX XXXX store XXXX XXXX in XXXX OR for XXXX, I didn't want to use my debit card, so I use my food stamps card. The store clerk said I was not charge to my account or card shortly after leaving the store I check my account the XXXX was debit from my account and there was a reverse fee for XXXX. The next day neither one of them was on my statement or was the money back in my account.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NC)

In consideration of the recent announcement that the Federal Government is suing Navient we felt it important to make you aware of our situation with Navient. Currently my parents and I have XXXX student loans with Navient. The first XXXX loans are manageable ; however, the loan I received for my XXXX year is not. The first XXXX are Signature Student -Private loans and while the interest rates ( 5.250 % - 5.375 % ) on those are higher than the interest rates my brother received we feel like we at least can make some headway in paying them off. When we applied for the XXXX loan for my XXXX year we were lead to believe that the XXXX XXXX XXXX XXXX loan was the only choice we had as there had been an " overhaul '' of the private student loan industry and this type loan was the result. We are currently paying a 9.625 % interest rate. This is a much higher interest rate than any car loan or mortgage loan that I or my parents have ever paid. What other decision could we have made? This was my senior year! We have asked about loan consolidation, refinancing and even offered to pay the loan off at a reduced amount. There is absolutely no negotiating with them. Please note this is not for a small amount of money. The total borrowed originally was {$100000.00} and we currently owe {$120000.00}. We do n't quite understand those figures. We thought we negotiated to pay a monthly amount that we could manage but we do not understand how it has been applied. Also they automatically put me in deferment when I went back to school for my XXXX ; however, my parents continued to make payments but that has n't really helped either. For example a payment of {$470.00} only reduced the total owed by {$27.00}, and one month a payment of {$550.00} actually saw an increase of {$78.00} in the total owed. We just do n't understand how the interest is applied nor how the payment is applied.
Consumer complaint received 2015-10-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (PA)

I closed an account with XXXX. I debt of {$48.00} is owed to XXXX for two days of service. My account # is XXXX. ERC called me and tried to claim I owed them a total of {$250.00}. They sent me fake bills today with the wrong account number # XXXX XXXX as well with the inflated debt claiming XXXX sent me to their collections service. The problem with this is XXXX, the original creditor, sent me a bill today requesting the same {$48.00} they have requested for over a year. ERC sent false paperwork and added false information to my credit reports. They need to remove themselves and all negative information from my credit reports and they need to cease all communication with me in regards to this fake debt.
Consumer complaint received 2023-11-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (GA)

My care was repossessed in XX/XX/2017 and sold for {$2500.00}. I was harassed had wages garnished and my debt resold after the 7-year period. It is still on credit, but credit bureaus are lying saying that it isn't.

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 0 2 that states ; I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ).

It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any purpose.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

In late XX/XX/year>, I received a phone call from a number that appeared to be XXXX XXXX XXXX XXXX ( NFCU ). The caller claimed that my account had been compromised and requested my personal information, including my Social Security number and date of birth, to resolve the issue. Trusting the legitimacy of the call, I provided the requested information. Unfortunately, the caller was a scammer who used this information to open a fraudulent loan in my name for {$4900.00}. 

As soon as I realized what had happened, I immediately reported the incident to XXXX and filed an identity theft report. XXXX took some steps to secure my account, such as changing my debit card, but despite my actions, XXXX has held me responsible for repaying the fraudulent loan. I have been making monthly payments on this loan, which has caused significant financial stress. 

I believe this fraudulent loan has been incorrectly reported on my credit report, and XXXX has not adequately addressed the issue, leaving me unfairly burdened with this debt. 

I am seeking assistance in having this fraudulent loan removed from my credit report and relieved from any further obligation to repay it.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Experian and XXXX dropped credit score 2 times claiming late payment on car loan. I was never late. Car finance company and car lot verified I made payments. Both credit reporting agencies still has not corrected credit score and stopped raising credit score showing payment made. 
First late payment was XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  My score averages was XXXX on them. Credit Score on XXXX is about XXXX and that one does not even have my car loan on it to reflect on time payments. 
Car financial and car lot attempts to contact and correct information has only finally got them to remove late payment. They still have not credited back my credit score they falsely claimed that dropped it. 
I personally filled dispute and numerous times attempted to contact them and zero resolution in this matter. With what they have falsely claimed has impacted my credit score in dropping it about XXXX XXXX XXXX XXXX XXXX 
This situation has created being denied multiple times in renting a place to live. Which has resulted in me staying with someone. 
Both XXXX and Experian has made it almost impossible for me to access information. I get pay for membership for that information. I can not even see my credit score on XXXX without paying for it. I got what screenshots I could to help show proof. Which detailed information about everything I have to pay monthly subscription for access
Consumer complaint received 2024-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANKMOBILE TECHNOLOGIES, INC (MA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX a division of Customers Bank ) discloses its account holders personal private information to third parties without obtaining a customer consent. 

XXXX XXXX prints customers residential address ( as opposed to customer 's mailing address ) on the Bill Payment checks that it send on customers behalf to third parties. 

Some customers keep their personal non-mailing addresses private and expressed concerns to the company about disclosing their private personal information to a wide range of third parties. 

When customers contact XXXX XXXX regarding the issue, the bank responds that " physical address must be printed on the checks or bill payment checks '' without providing any details on where this requirement comes from and whether that requirement is disclosed to customers in the Bank 's terms and conditions.
Consumer complaint received 2022-01-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P. (NJ)

LVNV Funding LLC, filed a lawsuit against me on XX/XX/XXXX, alleging I owed them a debt from an unpaid a credit card in violation 15USC1692b ( 4 ). Unaware of the extent of my consumer rights, and new to learning consumer law, I submitted my answer and in-turn LVNV filed a motion to surpress my answer with out prejudice on XX/XX/XXXX. I filed an answer in opposition to their motion, ( see attached ) : XXXX. ) I am federally protected consumer under XXXX XXXX XXXX  XXXX and they are violating my privacy rights, XXXX. ) They provided no laws stating I a legally required to pay this alleged debt to them, XXXX. ) The LVNV was not present for this consumer credit transaction and can not say I owe this debt pursuant to 15 USC 1692b. It wasn't until XX/XX/XXXX that I received a order for summary judgment dated filed XX/XX/XXXX. Then on XX/XX/XXXX I received the most threatening letter stating, " Failure to comply with this information subpoena may result in my arrest and incarceration violating 15USC1692e ( 4 ) and 15USC1692e ( 7 ), I've received notice dated XX/XX/XXXX of an intent to garnish my wages which is in violation of privacy rights under 15usc6801 as I have not give this third party permission to access my employer records. I have also not contracted with this third party, so they do not have permission to access any of my account information with a creditor. They are in direct violation of 15USC1692c ( b ) Pursuant to 15USC1692g ( c ), the consumers failure to respond is not an admission of guilt. I am in dispute of this debt, and I am refusing to pay this debt to LVNV.
Consumer complaint received 2023-10-02
Product: Mortgage — USDA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (MO)

After several weeks of closing being pushed back, we were informed that we needed to pay {$6000.00} in order to meet the terms of the loan deal/appraisal. This was dropped on us after paying the appraisal and XXXX deposit fees totaling {$1700.00}. The terms changed after we had agreed. We were informed the cash to close at disclosure was set at {$1500.00}. 

We had no other choice but to back out. We were told there were to be no additional fees and there are supposed to be no down payments with a USDA however that is what this company was trying to get out of us. 

They told us we were out of luck on the money and did not have a right to a refund. They did not answer or return any of my calls.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (OH)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2022-11-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Hi I am submitting this CLIENT NAME without any influence and this is not a third party. 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. 

FOR XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FOR EQUIFAX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-20
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2017-03-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (TX)

To whom it may concern I have been around and around with every service mechanism your company has available and I 'm really very disappointed in everything I 've experienced in the last few days. I did my taxes through XXXX, I have been told by your company Rep " The tax preparer must send it to Rush '' that is not the case. I have contacted the IRS twice and they have verified both times that they have sent my refund to which is your bank. 

The only thing wrong is my account number which the correct number is I have been told by your rep that " my account ca n't be located '', thing is it 's the same account that my payroll check has been deposited to since XX/XX/2008. This is absolutely and totally unacceptable. The refund was sent by the IRS in the amount of {$10000.00}, my personal information is as follows. 

I 've been told by your company representatives that the tax preparer will send the refund to you and that is not the case. The IRS sent it to the account information mentioned above. 

I 'm sending you my contact information in hopes that a human being contact me shortly in hopes to resolved this in a timely manner. My next step is to contact my lawyer and at this point I do n't think I want to be a rush customer anymore. Please contact me A.S.A.P. so that we can get to the bottom of this. Cell phone number, your file email address is. However please contact me using. Again if this is not resolved shortly I and my lawyer will be contacting Rush Card corporate offices first thing in the morning. Your prompt response and assistance with this matter is greatly appreciated. 

Many regards
Consumer complaint received 2015-03-19
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc. (TX)

The option I needed under false statements or representation was not available, but to summarize my complaint, real time resolutions is representing themselves as a mortgage company rather than a debt collection agency on my credit reports with XXXX and XXXX. 

I have a verbal recording that was consented to by them on yesterday XXXX/XXXX/XXXX between XXXX RTR employees, myself, my husband and out financial advisor where they admitted to being a debt collection agency not a mortgage company as they are illegally reporting on my credit report. I have attempted to settle the debt immediately with them if the account classification is corrected but the refuse repeatedly stating that even if I pay them in full they will leave the account on my record incorrectly. 

The property in question was a home I purchased alone in XXXX that became a rental property when my husband and I purchased another home in XXXX. The home was lost due to an illegal foreclosure by XXXX or XXXX as its now known. I attempted to rectify this situation, as my tenant and the XXXX Housing Authority failed to make timely or payments at all in some instances but my only resolve has been the receipt of an {$1100.00} settlement check from a national Class action lawsuit, naming XXXX at fault for the wrongful/Illegal foreclosure. 

As stated before if the only resolve short of litigation is to pay the debt, I have no problem making a settlement to rectify the situation if that is whats necessary to satisfy the XXXX mortgage, but it just does n't seem right that my home was illegally taken, a settlement was paid to me to provide some compensation to my family and now we are again having our credit damaged due to something beyond our control as the collection did n't take place right away but approximately 3 years later and because its being reported incorrectly as a mortgage account not a collection account, legally my family is unable to purchase a new home due to the new mortgage laws. Had we known this was a possibility, we never would have sold our last home in XXXX XXXX. Therefore my husband, myself and XXXX children are displaced due to their false representation. 

We have attempted contacting the credit bureaus as well and have been unsuccessful.
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

The account opensky was place on my report as a charge off,XXXX years ago its still reporting late payments, on my credit report, witch is a violation of the fair credit report act If the account is charged off it is against the law to continue to report it late as if the account is still open
Consumer complaint received 2015-05-15
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (MI)

My house was sold as a short sale through XXXX XXXX XXXX. At this point I was ordered to pay a promissory note of XXXX dollars for mortgage insurance. The servicing of this promissory note was sold to Shellpoint Mortgage Servicing. The agreement was {$200.00} a month for 12 months. XXXX date of payment was XXXX/XXXX/15. I have paid every month on time and have been getting regular payment statements showing that I have paid up to date. The most current statement for XXXX that I have received not only shows my principle balance at {$2400.00}, my account number has changed as well. I called to advise Shellpoint of this situation and they have actually XXXX different accounts under my name. XXXX showing that I have paid {$800.00} up to date and the other showing I have paid nothing up to date, but XXXX accounts have a starting principle balance of {$2400.00}. They advised me it may take up to 14 days to resolve this issue. I am concerned they are doing this to other consumers as well. I ca n't understand how they have created XXXX different accounts for my XXXX promissory note. Also the weird part is that I only received XXXX bill but I somehow have XXXX different accounts with all my information. This definitely needs to be looked into.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (TX)

XXXX XXXX XXXX is reporting a collection that needs to be removed. They are reporting for an old apartment that I used to live in. I had to move out due to it being an uninhabitable. Toward the end I went 6 months without a working stove. I brought this and several other issues to management who advised they did not have another apartment for me to move into. However, since my lease was up I decided not to renew and instead chose to move out. They advised due to the inconvenience there would be no other fees with management but now I am in collections?