davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
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: EQUIFAX, INC. (NY)

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 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

this is a follow up complaint regarding Bank of America. Bank of America is out of compliance of the FCRA and has failed to respond too my previous complaint within 30 days as required. Bank of America has discourage me since I have put in an application for a credit card for my personal family and household needs. I have tried to communicate with Bank of America via email as requested and bank of America has ignored my emails. I still have not received the credit report used for this adverse action nor has Bank of America replied to my reconsideration or given me specific reason of why my credit application was denied. I submitted my application in good faith along with my social security account number and has received no benefits. 
I have uploaded the email that I sent that was not responded, my previous complaint, as well as my reconsideration letter.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
Consumer complaint received 2016-02-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (GA)

M & T Bank is giving us a difficult time in rolling my deceased mother 's IRA 's over into a beneficiary IRA at XXXX. It is one road block after another and continuous mistakes and negligence on their part. We completed the necessary forms over 1 month ago and M & T kicks it back to XXXX either saying there are no accounts ( when there are actually XXXX of them ) or they never received the forms ( we have email proof from the XXXX branch manager directly to the M & T Branch manager sending the forms ). They do n't return phone calls to us OR our branch manager at XXXX and we are at our wits end. They are making it impossible to move OUR money from M & T to XXXX. We are dealing with the branches of both banks located in XXXX, Maryland. Please ... we need help! We are being stonewalled and believe it is not just incompetence on M & T 's part, but their intent to hang on to our money as long as possible. I would never EVER keep one single XXXX at M & T.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I have filed complaints with the three bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me due to the unfavorable perception from creditors. I am seeking to have the negative items removed from my credit report. Therefore, I am requesting your assistance with this matter. If the credit bureaus do not take action, I am prepared to take legal action against them for the damage this has caused me
Consumer complaint received 2015-04-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (MS)

To All Allied Employees, This letter is to request that you Cease and Desist in calling back to back ALL day and night to the telephone numbers of XXXX XXXX ( XXXX ) and/or any third party contacts of relatives, neighbors, etc. in your efforts to collect a debt. You have been auto dialing the numbers back to back to XXXX XXXX 's cell phone and landline of resident, when someone answers, they get a hang up and the numbers are dialed back a few minutes later by numbers listed as XXXX XXXX XXXX XXXX when research in the Internet. The call are considered Robo Calls because there is no human person on the caller 's end when answered. This is strictly the callers intent to harass, annoy and intimidate. Listed below are the recorded calling numbers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX The majority of callsUnknown NumbersIf you fail to cease the harassing phone calls or harassing efforts immediately, you face legal sanctions under applicable State and Federal law. If these calls are an attempt to collect a debt, I only deal with the original creditors, who have received certified mail that contact be written correspondence only. I have had no income since XXXX, 2014 in which ALL of my creditors were informed, I 'm Judgement Proof ( reason for the repeated harassing phone calls. 

XXXX XXXX
Consumer complaint received 2016-12-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: IQOR US INC (FL)

ALLIED INTERSTATE LL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ALLIED INTERSTATE LL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ALLIED INTERSTATE LL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2015-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (AR)

Allied interstate, ( while acting as an agent of dish network ), has failed to provide me with documentation relating to the claim from dish network that I dish any monies whatsoever, the request for documentation was sent to allied via USPS and was ultimately ignored. They have continued to call me, ignoring the FACT that this alleged debt is not valid, and that they have no proof of this debt whatsoever.
Consumer complaint received 2024-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

I am writing to file a formal complaint regarding the incorrect application of my mortgage payments following the merger of my previous loan servicer, SLS, with Newrez LLC, operating as Shellpoint. 

Details of the Issue : Merger and Autopayment : On XX/XX/year>, an autopayment of {$3900.00} was drafted from my XXXX checking account to Newrez LLC ( dba Shellpoint ). This payment was processed as scheduled. 

Reception of XXXX Statement : On XX/XX/year>, I received the mortgage statement for XXXX indicating our regular payment for XX/XX/XXXX was credited to our account. 

Notification of Delinquency : On XX/XX/year>, I received notification from Newrez via mail indicating that future autodraft payments had been canceled due to a missed XXXX payment and that the account was considered delinquent. 

Verification of Funds Transfer : I reviewed my XXXX dashboard and confirmed that the {$3900.00} was indeed sent to Newrez on XX/XX/year>. There were no returned or credited funds. 

Contact with Support : I called Newrez 's support hotline on XX/XX/XXXX, where an agent informed me that the funds had been returned to SLS. The agent also mentioned the 60-day grace period for loan transfers and advised me to submit a request to their ACH department via the Shellpoint online portal for review. I promptly did so, providing screenshots and bank statements to verify that the funds had been drafted and not returned. 

In Person Verification of Funds Transfer : On XX/XX/XXXX, I walked into our local XXXXXXXX XXXX  and spoke to a teller about the ACH debit. They reviewed my account and confirmed that the funds were withdrawn on XX/XX/XXXX and that no funds were returned since. The teller had another associate review the account to ensure she did not miss anything, he also confirmed her findings. 

Follow-up : I followed up with Newrezs support team on XX/XX/XXXX, and was told that the funds were not found and my XXXX payment was still considered missing. The agent clarified that the XXXX grace period did not apply due to the merger of the two companies. I was advised to wait until XX/XX/XXXX to see if a resolution could be reached. If not, the only solutions offered were to pay the {$3900.00} again or risk a negative impact on my credit history if the issue was not resolved before XXXX. 

No Resolution, Forced to Pay Again : On XX/XX/year>, after receiving an email from Shellpoint confirming receipt of my inquiry on XX/XX/XXXX, I called again and spoke to a representative who clarified that the payment trail ended with Shellpoint returning the funds to SLS, with no further resolution yet. I decided to make the payment of {$3900.00} again to avoid any adverse impact on my credit report and filed this complaint with the CFPB.
Consumer complaint received 2017-01-16
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (PA)

I am in the process of applying for a mortgage and a comment on my Citi Credit card states, " SUBSCRIBER REPORTS DISPUTE RESOLVED - CONSUMER DISAGREES ; CONSUMER DISPUTES AFTER RESOLUTION ''. After speaking with Citi, they have no disputes on record nor do they have any idea what this is in reference to. Since I am applying for an FHA, this is holding up my approval process. I have submitted this request to Citi via fax as well, and they stated it will take 30 days to look into this. Since I already put the offer in on my home, which was accepted, I do not have 30 days for resolution.
Consumer complaint received 2016-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (UT)

My original loan on my property was with XXXX XXXX XXXX ( account number XXXX XXXX, they sold my loan to Ditech Financial. On XXXX XXXX I made my payment to XXXX with the understanding that all payments would be forwarded to Ditech until XXXX XXXX, 2016. Since XX/XX/XXXX, Ditech has repeatedly told me that the payment has been found but it was never processed. I have called them 9 times to rectify the problem. I have mailed, faxed and emailed them proof of the received checks and documentation necessary to prove my claims. They will not process my payment and claim I am delinquent which I am not! They have filed a 30 day late on my credit. When I contact them, I am repeatedly sent to an account representative by the name of XXXX XXXX at extension XXXX who never responds to my messages and then I get a prompt that literally tells me that no one is available to help me now. I have sent the same documentation to XXXX XXXX XXXX but they tell me the problem is on Ditechs end. I am at a total loss and am trying to fix this problem. Please help!!! Ditech is the worst Mortgage company EVER on this planet!
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (PA)

This situation relates to a recurring problem I 've been having with Experian. I keep my credit frozen, and only lift the freeze when I know I am applying for credit. I have not had a problem temporarily lifting freezes with XXXX. For the XXXX time in 3 months I have had credit denied because Experian will not lift the freeze on my account. They requested I send additional information to them. I have done that using XXXX XXXX Mail and I have a receipt to show they received the information. They still have not lifted the freeze. Not to mention the other XXXX agencies charge {$5.00} to lift a freeze and Experian charges {$10.00}. I do not believe they are acting in a way that encourages consumers to protect their credit. The XXXX time I complained to you about this, they sent me a credit report. I never asked them for a credit report - I asked them to lift the credit freeze on my account! I am at the end of my patience with them and hope you can help.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

15 U.S. Code section 1681C-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than four business days after the date of receipt. This company is in violation of this law because I am a victim of identity theft. Please delete these items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these incorrect personal addresses and names : 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 XXXXXXXX, XXXX XXXX XXXX.
Consumer complaint received 2016-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IL)

Hello, my name is XXXX XXXX. Over the past year, I been trying my best to get my student loans together regarding the different programs. I sent in a dispute because my student loan had started reporting late payment in XX/XX/XXXX. I thought I submitted the forbearance documents which I found out later I did n't. I received a letter explaining what happened and they noted my credit report as disputed Item and if I wanted to remove the note '' dispute '' remove off my student loans I will have to submit this request in writing. Per there request, I submitted the information requesting for them to please remove the statement '' Disputed item '' off my credit report. However, as of XX/XX/XXXX XXXX has not removed this from my trade lines. This information was sent over about six months ago. Please Help!
Consumer complaint received 2016-10-11
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: LDF Holdings, LLC (OK)

I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off, I had to take out a new loan for food and gas, but now I have found out they are n't even licensed in Oklahoma and are charging higher interest than allowed. They withdraw the funds from XXXX and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. Thank you.
Consumer complaint received 2015-06-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CO)

refused to issue me a new card even tho it expires in less than a month. when they do get around to sending, as per their supposed process with only 2 weeks left, they send it with no tracking regular mail, then refuse to assist in anyway towords getting a new card in the customers hands. the account is tied with my payroll so now i can not get any paycheck or pay billes until they get around to honoring their commitment. They refused me contact with a supervisor.
Consumer complaint received 2015-12-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MI)

I initially file the dispute 6 months ago when I initially file the dispute I provided supporting documentation I provided things like a XXXX tracking number showing when the package was returned back to the merchant showing the proper weight, ect. About two months later the temporary credit that was issued was reversed the bank asking for proof that I return the merchandise keeping in mind two months earlier I already gave them all of this information clearly they did n't look through it when I brought that to their attention they reissued the credit and started the dispute process all over again then I received a letter telling me that they are still working with the merchant attempting to get a permanent credit then a few weeks after that once again I get another letter where I 'm told that I 'm being charged again but temporary credit is being reversed and it goes on to say that I filed a false dispute I am absolutely clueless what you 're talking about in the information you sent me with this letter all it is is my order confirmation I 'm not disputing the fact that I placed an order with the company I 'm disputing the fact that I return the defective product well within their 30 day return policy its not like XXXX is just making this information up they weigh the package multiple times throughout the transit back to the company we can see where it was delivered By the way I used the companies shipping label that they asked me to use so again it 's not like everyone does not already have the return shipping info.
Consumer complaint received 2024-10-24
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. (CA)

Someone has used my information to obtain credit and rent an apartment in my name. These are the accounts that were open because of this theft. See below. Please remove these items 1. XXXX XXXX XXXX Opened XX/XX/XXXX XXXX # XXXX XXXX. US BKPT court XXXX  Opened XX/XX/XXXX XXXX # XXXX
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-24
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. (CO)

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 2016-03-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

In XXXX XXXX, I had my identity stolen and a number of accounts were opened in my name. I realized this when XXXX applications called me asking if I had applied for a credit card account. All of the accounts that were opened, were new accounts. I filed a police report on XXXX/XXXX/XXXX to make sure I protect myself and to open an investigation into the identity theft. In XXXX XXXX, I realized there were also purchases on my in-store Macy 's account. My credit card had not been stolen, and was still in my possession. The receipt image shown on my Macy 's account stated that my account information was looked up at point of sale with a Driver 's license XXXX CA. Unfortunately, this is not my Driver 's license number. I opened a claim through Macy 's fraud investigation in XXXX XXXX and submitted a statement of fraud, the filed police report, and a picture of my driver 's license. Macy 's fraud finally provided a decision XXXX XXXX stating they denied my claim and will not reverse the fraudulent charges on my account. I 've done everything they 've asked and provided substantial proof, however, still can not get this issue resolved. All the other accounts opened in my name were immediately closed out by the other companies, XXXX, XXXX, XXXX 's XXXX, and XXXX XXXX. Macy 's, the only one I actually hold an account with, is the one that has been the hardest to dispute. I also noticed on consumer affairs that I am not the only one having an issue resolving fraud on my account. There are various complaints about the company and I found many fraud complaints that are similar to my situation. XXXX