davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: EQUITY LOANS LLC (ME)

I hope this letter finds you well. I am writing to formally express my concerns and demand the immediate release of my mortgage obligation due to multiple breaches of contract and violations of the Real Estate Settlement Procedures Act ( RESPA ). 

Background and Timeline : XXXX XXXX XXXX XXXX XXXX claims to have sent a " Goodbye '' letter, notifying me of the transfer of my mortgage to XXXX, effective XX/XX/2024. 

XX/XX/2024 : The " Goodbye '' letter was uploaded to my account, not within the required XXXX days before the transfer date, in violation of RESPA. 

XX/XX/2024 : Upon receiving my XXXX  XXXX payment, I attempted to make my mortgage payment, but the balance showed {$0.00}. 

XX/XX/2024 : XXXX claims to have sent a " Welcome '' email, which I did not open until XX/XX/2024. XXXX falsely stated that I opened the email on XX/XX/2024. 

XX/XX/2024 : I received a physical " Welcome '' letter from XXXX, again not within the required timeframe, in violation of RESPA. 

XX/XX/2024 : After being informed about the email from XXXX, I located it unopened and took a screenshot before opening it. 

XX/XX/2024 : XXXX denied my request for the originally signed loan documents, stating I must obtain them from XXXX. 

Violations : Equity Prime Mortgage ( EPM ) : Failure to Provide Timely Notice : The " Goodbye '' letter was uploaded to my account on XX/XX/2024, not within the required 15 days before the transfer date, violating 12 CFR 1024.33 ( b ).

Provision of Incorrect Contact Information : EPM provided a non-functional contact number for XXXX, delaying my ability to resolve the matter. 

Refusal to Provide Documents : EPM denied my access to the originally signed loan documents, which is a violation of my rights under RESPA and the Truth in Lending Act ( TILA ). 







XXXX : Failure to Provide Timely Notice : XXXX did not send a physical " Welcome '' letter until XX/XX/2024, well after the transfer date, violating XXXX XXXX XXXX ( b ). 

False Statements : XXXX falsely stated that I had opened the email on XX/XX/2024, which was not true, constituting deceptive practices under RESPA and the Fair Debt Collection Practices Act ( FDCPA ). 

Impact : As a XXXX XXXX XXXX  veteran with significant physical and mental health challenges, the mishandling of my mortgage transfer has caused me immense stress, sleepless nights, and XXXX. This situation could have jeopardized my family 's first true sense of home and stability. 

Additionally, as the XXXX XXXX XXXX XXXX XXXX XXXX, this ongoing issue has severely affected my business. I have missed multiple opportunities to participate in events that would have brought exposure to my brand due to the mental anguish and time consumed by addressing this problem. I should not have to focus on such a ridiculous problem, nor should I have to prove to a company their wrongdoings. I could never imagine being a business owner that attempts to cover up having done something wrong.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE (FL)

Is a fraudulent transaction made on XX/XX/2024 of XXXX XXXX from my checking account withdrawal, the card was lost at that time, this is not authorized by me, and the company they refuse to give me a provisional credit, not good, I sent several message to them and phone call, but not good replys.
Consumer complaint received 2023-06-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (TX)

On XX/XX/XXXX, Upgrade.com tried to take my monthly payment out of my account. It failed. On the XXXX, they electronically tried again. It posted. On the XXXX, they electronically did so again. It posted as well. So I missed one payment, and they took two as soon as I got paid. 

I chatted with them, they said that I made one payment which I did not. I forgot cause I'm scatterbrained, hence auto pay. They will refund it up to 14 days. I do not have the money needed now to pay my rent. 

You get a personal loan for help, you miss a payment and they smack you on EACH CHEEK for doing so. Then tell you that you have to wait half a month for your money back and never address truly what happened.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (MD)

This company continues to claim I owe this debt but refuses to send me proof that this account belongs to me. They send me a computer print out that shows nothing but my XXXX  and XXXX and the XXXX XXXX is wrong. I know this is a scam because the address they have for the time frame for the account doesnt match because I was noXXXX XXXX  at this XXXX when they said this account was opened. I would like HARDCORE PROOF!!! Because this is not my account or remove it
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states : There is a need to ensure the consumer reporting agencies exercise their grave responsibilities with fairness. impartiality, and " respect for the consumers rights to privacy '' XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801which states " It is the policy of the Congress that each financial institution has a confirming obligation to respect the privacy of its consumers and to protect the security and confidentiality of this customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to who it relates " ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and the surely do not have my written consent. Any and all who consent to XXXX, XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, nonverbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " Financial institution may not disclose no public personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that non-disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' except as authorized under subsection ( b ), no consumer reporting agency may take any consumer report containing any of the following items of information, other than records. of convictions of crimes which antedates the report by more than seven years. " This account is an adverse item they are reporting again without my permission which is against the law, 15 U.S, Code 1681s-2 ( A ) ( 1 ) A states '' 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.15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services
Consumer complaint received 2024-01-26
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. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (IL)

I have been a long time customer of BMO Harris bank. There were two unauthorized transactions on my checking account. XX/XX/XXXX for {$760.00} and XX/XX/XXXX for {$69.00}. These transactions were fraudulent and not made by me. BMO has decline the claims and said it was me. I have done everything in my power to resolve this. I am not able to resolve this on my own. I need help. I will not give up.
Consumer complaint received 2024-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I am writing to bring to your attention certain concerns regarding the information contained in my consumer credit report, as provided by Experian, XXXX and XXXX. As a consumer, I am keenly aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the importance of ensuring the accuracy, fairness, and privacy of my credit-related information. 

Under 15 USC 1681, Section 602a, there is a fundamental need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Furthermore, 15 USC 6801 underscores Congress 's policy that each financial institution has an ongoing obligation to respect the privacy of its consumers. 

I have recently become aware that [ XXXX XXXX XXXX ], a financial institution by definition, has reported certain information to your agency without obtaining my explicit consent as required by 15 USC 1681, Section 604a, Section 2. Additionally, I must assert my right to revoke any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, in accordance with 15 USC 6802 ( b ) ( c ).

Moreover, it has come to my attention that the reported information includes adverse items, violating the statutory provision of 15 USC 1681 ( c ) ( a ) ( 5 ), which prohibits consumer reporting agencies from including certain items of information without proper authorization.

I wish to emphasize that, as per 15 USC 1681s-2 ( A ) ( 1 ) ( a ), any information furnished to a consumer reporting agency must be accurate. Given the discrepancies I have identified, it is evident that there may be inaccuracies in the reported information, constituting a potential violation of the law.

Furthermore, 15 USC 1681E mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section 1681C and limit the furnishing of consumer reports to the purposes listed under section 1681B. I am concerned that the procedures in place may not be sufficient to meet these statutory requirements.

In light of the aforementioned issues, I am formally disputing the accuracy of the information reported by [ XXXX XXXX XXXX ] and kindly request a thorough investigation into the matter. I have enclosed relevant documentation supporting my claim for your review. 

Please be advised that, under 12 CFR 1016.7, I am exercising my right to opt out of any adverse reporting services provided by [ XXXX XXXX XXXX ]. I trust that you will promptly investigate this matter and take the necessary steps to correct any inaccuracies in my credit report. 

Thank you for your prompt attention to this matter. I anticipate your cooperation and a swift resolution.
Consumer complaint received 2024-01-26
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. (MT)

Been working to have XXXX Bank remove a fraudulent account from my credit report for years now. They are upholding that the account belongs to me after an half done investigation stating that [ I ] gave them my information and I have never lived at the address they are saying that they sent the card to. I am exhausting all administrative rememdies, I've put in police reports and contacted the company and the credit bureus to no avail. this is my last stop before the courts.
Consumer complaint received 2024-07-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (FL)

I have been using WISE transfer as of XX/XX/XXXX, Membership number XXXX. Today, XX/XX/XXXX, at or about XXXX ET, I submitted a transfer in the amount of $ XXXX, with no issues or alerts. The transaction went through & I copied the tracking information to the recipient in XXXX. Suddenly, this evening at approximately XXXX ET, I noticed the transaction was paused. The WISE platform suddenly began asking for highly sensitive ID information never requested before including U.S. SS # ; Drivers License to be uploaded & a photo of myself. It was quite frightening, as this information can lead to ID theft. & there was no preparation for this. When I called ( XXXX ) XXXX, I spoke to XXXX who only reluctantly told me in XXXX & gave case # when I asked ; she said basically thats the way it is. She refused a Supervisor though I repeatedly asked for one. Then hung up the phone on me, saying she had other customers. Very concerned about this companys operation at this time, risk of ID theft, & lack of care & no processes in place to effectively explain risks, & protect from risks. Also no effective way to ID who speaking with and to verify protection of sensitive information, or explanation of reason for this and safety of site, for this level of information & what is going on. Case # : XXXX
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recently file an complaint with the XXXX credit agencies and it has been more than 60 days and I haven't received an answer about the situation. It's in regards to my rights has been violated under the fair credit act to protect my privacy and confidentiality under 15 U.S.C. 1681, 15 U.S.C. 1681 sec 602 a States I have the rights to privacy. I have reach out to you on 2 different situations concerning this matter and still haven't received the results that I should receive. This matter just let 's me know that my rights isn't been respected and I will do whatever it takes to get it resolved. I have sent you the information about my case and recently XXXX has sent over information saying that I should send the information to the credit agencies about the removal of a bankruptcy being remove from my credit report.I would greatly appreciate if you would help me resolve this matter.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (TX)

On XX/XX/2024, I logged into my Credit Karma account. They were advertising certain credit cards that my approval odds for obtaining a line of credit were outstanding. They even placed a star by one of the accounts to make me believe that it was even more highly recommended. Based on their lie, I applied for a recommended card through their portal, and I was immediately denied credit.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

My debit card was physically stolen and someone spent nearly {$700.00} at a bar. Im not even XXXX so I cant XXXX and have provided proof and nothing has been fixed. They denied both of my claims and said they cant open any more. And apparently the main reason is because the first phone worker I spoke to ( who could barely understand me ) put down the wrong info saying that I gave someone the card, which I most certainly did not. The card was missing from XX/XX/year> - XX/XX/year> and a total of {$670.00} was stolen. This is my reference number for the Chase Bank Claims : Reference # XXXX
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: COLUMBIA BANKING SYSTEM, INC. (WA)

I received a statement in the mail that said I opened a checking account with XXXX and they provided a debit card. A second piece of mail for the pin to the debit card and a third piece of mail that said I didn't have sufficient funds for a transfer. I called and told them I did NOT open an account. 

How is it possible that a bank can open a new account without running a credit report or calling me???
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (MO)

Received notification that a checking account with Chime was opened on XX/XX/year> without my authorization. 
Called and confirmed they had my name and ssn. Requested the account closed immediately which they advised they have done. 
My complaint is that the account was allowed to be opened in the first place without any sort of verification of identity by a banking establishment. I feel like this is in violation of federal regulations and I would like for Chime to improve their practices moving forward.
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

See attachments! 
It is illegal to report transaction history, it is illegal to use unfair me to collect any debt!

Violation of privacy of 1974 violation of 31 USC 5103
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (UT)

XX/XX/XXXX XXXX XXXX, my Chime bank account was hacked by XXXX people, XXXX and XXXX XXXX, with the email XXXX. My phone number and password were changed without my consent, and by the time I was again able to access my account, it had been drained of the XXXX that was remaining intended to pay bills and the final portion of my rent. I'm on social security for my XXXX, and would never compromise my living situation by giving that money to anyone. I contacted Chime to file a dispute, and within XXXX hours, I was told that no error was made. I filed a rebuttal, and was again told no error was made. I filed a third dispute, providing screenshots of the conversation with the person that took my money, where they ADMITTED they'd taken the money without my permission, admitted they never scam people unless they were trying to help them, and was AGAIN told no error was made. This situation has caused an excessive amount of stress, and left me unable to pay bills.
Consumer complaint received 2024-01-26
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. (GA)

XXXX XXXX XXXX XXXX placed a {$6400.00} collection on my credit report for a debt related to an apartment in XXXX. I disputed this with Transunion, XXXX and XXXX requesting a verification of the debt that was not received and all three bureaus stated the investigation proved the debt was mine. On XX/XX/XXXX I contacted the debtor via phone requesting documentation that I indeed owed monies to them and was told my file could not be located but that the computer showed a balance. I then contacted the collection company whom stated that they do not have documentation outside of an invoice from the company but would not provide me with the documentation. I also requested a payment plan to try and resolve but was told I would not receive the payment plan in writing, as they did not provide any such documentation. I then contacted the debtor and requested that collection activities cease immediately due to no proof of debt/proof of payment plan. Neither has cooperated. 

15 U.S. Code 1692g - Validation of debts States that 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. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.