davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : GENESIS CRDT ( Original Creditor : XXXX XXXX XXXX {$2300.00} XX/XX/year> 15 U.S.C , 1681section 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. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have an adjustable rate mortgage. I am also a XXXX XXXX XXXX that goes onto XXXX XXXX regularly. Recently, the rate for this mortgage was set to adjust to a new high of 7.5 %. I therefore applied for a rate cap of 6 % under the terms of the Servicemembers Civil Relief Act ( SCRA ). I meet the qualifications under the law. However, Bank of America adds stipulations that are not in the law. Specifically, BOA claims I can not apply for SCRA benefits because I was XXXX XXXX in XXXX when I first obtained the mortgage with Countrywide ( BOA bought Countrywide in XXXX ). However, I soon after was XXXX XXXX from XXXX XXXX. I have mostly been a XXXX ever since, but I've joined the XXXX XXXX XXXX and have recently served again on XXXX XXXX, which is when I applied. 

The 50 U.S. Code 3937 states " An obligation or liability bearing interest at a rate in excess of 6 percent per year that is incurred by a servicemember ... before the servicemember enters military service shall not bear interest at a rate in excess of 6 percent ... '' and 50 U.S. Code 3911 defines military service means... XXXX XXXX, as defined in section 101 ( d ) ( 1 ) of title 10 '' and " The term period of military service means the period beginning on the date on which a servicemember enters military service and ending on the date on which the servicemember is released from military service or dies while in military service. '' That is, the period of military service ends when one is released from service. I left the service from that previous period when I first obtained the loan with Countrywide. I have since joined the XXXX XXXX XXXX, recently again served on XXXX XXXX ( as defined in USC Title 10 ), and therefore this is an entirely new XXXX XXXX XXXX XXXX XXXX XXXX' as defined by the law. This recent period of service means a loan previously obtained before this service is therefore eligible for the 6 % rate cap. BOA refuses. They told me by phone, they do not consider me to have ever left the service. This is factually false, as I have a XXXX to demonstrate I was XXXX XXXX from the service back in XXXX, thus making my recent service in the XXXX XXXX XXXX a separate and new period of military service. 

BOA is violating the law. They owe me 1.5 % compounded interest excess refunded on my mortgage since my initial application, and a rate cap of 6 % for 1 year following my most recent application, and must honor future claims when I serve again on XXXX XXXX. 

Moreover, if I am a victim of BOA 's failure to follow the law, undoubtedly many other military members are as well. CFPB should consider a thorough investigation into BOA 's SCRA practices. It should be noted, BOA has a history of SCRA violations, and in XX/XX/XXXX, the Office of the Comptroller of the Currency ( OCC ) assessed a {$30.00} XXXX civil money penalty against Bank of America due to SCRA violations. https : //www.occ.gov/newsXXXX
Consumer complaint received 2024-07-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

on XX/XX/year> I found out that my federal student loans we're eligible for a full discharge and my borrower 's defense application was approved due to the predatory and unlawful conduct of the school I attended, The XXXX XXXX. 

I requested a school misconduct application from Navient and on XX/XX/year> to discharge my private student loans with them. I was found to have met the criteria for the application and received it. I compiled all of the information I could find to show that the XXXX XXXX misrepresented the education I was to receive, the salary I was expected to obtain upon graduation, the placement support available and most notably, the ability to pay off the loans that we're aggressively pushed on me. 

The school misconduct application was submitted on XXXX XXXX and was denied XX/XX/year>. The reason for denial was vague and only stated that I did not meet the requirements for a discharge. 

The XXXXXXXX XXXX XXXX XXXX found that the XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on. 

The United States XXXX sent a letter to Navient on XXXX XXXX, demanding Navient cancel these predatory student loans that are governed by the FTC " Holder Rule. '' Navient worked in coordination with fraudulent for-profit schools, pushing loans on borrowers that we're likely to default. 

How can Navient still say my loans do not meet the criteria for school misconduct?
Consumer complaint received 2024-07-26
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (CA)

My account was terminated for no reason. I asked for a refund and to have the account closed. They buried me under a mountain of identity requests that I found excessive. Dated XX/XX/XXXX XXXXAmountXXXX dollars. I talked with their customer service rep and told they could do nothing. 
The company name is Netspend
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

I am filing this complaint against Equifax for failing to investigate inaccurate items on my credit report and for not providing the specific information I requested regarding how they verified the disputed items, despite my efforts to provide all necessary documentation for identity verification.

On XXXX XXXX, 2024, I mailed Equifax a Method of Verification dispute letter. In my dispute letter, I requested detailed information on how Equifax verified the accuracy of the disputed items on my credit report. Specifically, I asked for ; The date they contacted the creditor and furnisher, The contact information of the creditors and furnisher, The name of the person who verified the disputed items, The method of communication used to conduct the investigation, Confirmation of whether the creditor and furnisher provided my Social Security Number, date of birth, and proof of address.

Additionally, I reached out to XXXX, which is the furnisher of public records. XXXX has no record of bankruptcy on my consumer report ( Consumer Number XXXX, Case Number XXXX ). This raises significant concerns about how Equifax verified the accuracy of the bankruptcy record reported on my credit report. 

Despite my efforts to provide all necessary documentation for identity verification, I have not received any response from Equifax. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. Equifaxs refusal to provide the requested verification details and to properly investigate the inaccuracies has caused considerable inconvenience and distress. The presence of incorrect information on my credit report adversely affects my creditworthiness I am including a copy of my dispute letter sent to Equifax as proof.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am filing this complaint against TransUnion for failing to investigate inaccurate items on my credit report and for not providing the specific information I requested regarding how they verified the disputed items, despite my efforts to provide all necessary documentation for identity verification.

On XXXX XXXX 2024, I mailed Transunion a Method of Verification dispute letter. In my dispute letter, I requested detailed information on how TransUnion verified the accuracy of the disputed items on my credit report. Specifically, I asked for ; The date they contacted the creditor and furnisher, The contact information of the creditors and furnisher, The name of the person who verified the disputed items, The method of communication used to conduct the investigation, Confirmation of whether the creditor and furnisher provided my Social Security Number, date of birth, and proof of address. 

Additionally, I reached out to XXXX, which is the furnisher of public records. XXXX has no record of bankruptcy on my consumer report ( Consumer Number XXXX, Case Number XXXX ). This raises significant concerns about how TransUnion verified the accuracy of the bankruptcy record reported on my credit report.

Despite my efforts to provide all necessary documentation for identity verification, I have not received any response from TransUnion.

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. Transunions refusal to provide the requested verification details and to properly investigate the inaccuracies has caused considerable inconvenience and distress. The presence of incorrect information on my credit report adversely affects my creditworthiness I am including a copy of my dispute letter sent to TransUnion as proof.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CO)

I am filing this complaint against Experian for failing to investigate inaccurate items on my credit report and for not providing the specific information I requested regarding how they verified the disputed items, despite my efforts to provide all necessary documentation for identity verification. On XXXX XXXX, 2024, I mailed a dispute letter to Experian and in my dispute letter, I requested detailed information on how Experian verified the accuracy of the disputed items on my credit report. Specifically, I asked for The date they contacted the creditor and furnisher, The contact information of the creditors and furnisher, The name of the person who verified the disputed items, The method of communication used to conduct the investigation, and Confirmation of whether the creditor and furnisher provided my Social Security Number, date of birth, and proof of address. 

Additionally, I reached out to XXXX, which is the furnisher of public records. XXXX has no record of bankruptcy on my consumer report ( Consumer Number XXXX, Case Number XXXX ). This raises significant concerns about how Experian verified the accuracy of the bankruptcy record reported on my credit report I received a response back from Experian dated XXXX XXXX, 2024, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

Experian 's refusal to provide the requested verification details and to properly investigate the inaccuracies has caused considerable inconvenience and distress. The presence of incorrect information on my credit report adversely affects my creditworthiness It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to Experian, along with Experians response as proof.
Consumer complaint received 2024-08-28
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. (NV)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late 2. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report. 


6. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report. 


7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Delete this account.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I looked at my report back on XX/XX/2024, and noticed some that I was a victim of identity theft. I submitted my disputes & got most items removed from my XXXX credit profile. After my disputes were completed XXXX removed the accounts but XXXX  & transunion didnt, now there are even more inaccurate and incomplete information across all bureaus. Transunion & XXXX claimed my accounts were verified And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts : XXXX XXXX XXXX Acct number XXXX, XXXX XXXX XXXX Acct number XXXX, XXXX XXXX  Acct number XXXX, XXXX XXXX XXXX XXXX, are not complete and not accurate. open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.
Consumer complaint received 2024-05-30
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. (NJ)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX XXXX accurate.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 

15 U.S.C 1681 section 604 A. States I have a 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 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 personal knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-11
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. (NJ)

The accounts below do not belong to me. I did not authorize or make any of the below : XXXX. XXXX XXXX XXXXXXXX. Opened XXXX XXXX. Account XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Account Number : XXXX - I called them and they told me this is child support. I do not have any children. XXXX. The below XXXX inquiries are not mine, I did not authorize or apply for credit. XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I am demanding this is investigated and removed.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to XXXX XXXX XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc. (TX)

I opened a secured credit card with this company. I ended up having deposited about {$450.00} on that SECURED CREDIT CARD. Meaning, this was my money that I put in there. Well, I had my card on there so that deposits would automatically come out ( {$20.00} a month ), and those payments came out perfectly fine. Now, I also had my card on there for my PAYMENTS to come out automatically. So please explain how my deposits would come out perfectly fine, but the payments were unsuccessful? Ill tell you why, because if the payments fail, they can charge you late fees. So it got to a point that I ended up paying around {$150.00} in late fees, and had a balance of {$35.00} in late fees left. So I just just said you know what, I want to close the account, give me the money that Ive paid into it and Ill close the account. Well they refused. They said I had to pay the late fees in order to get my money back. I responded by saying, if the late fees are {$35.00} and I have {$450.00} in the account, just take the {$35.00} and give me the balance. Well they kept THE FULL {$450.00}, AAAAND charged me late fees for the {$35.00} late fee that was on there. It got up to {$130.00} in LITERALLY ONLY LATE FEES, and this was after they kept {$450.00} of my money! All for {$35.00}! Now, theyve reported me to the credit bureaus as delinquent, all for late fees. When again, they kept {$450.00} of my money! They got the late fees x10! This company needs to be shut down, and it needs to be removed from my credit report!