davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: EMCC Holdings, LLC (AZ)

Subject : Complaint against XXXX XXXX for Deceptive Practices and Equiant Financial Services for Unfair Collection Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX for their deceptive practices during a timeshare presentation and subsequent failure to fulfill the promised services. Additionally, I wish to bring to your attention the unfair collection practices by Equiant Financial Services, which is related to XXXXXXXX XXXX 

On or about XX/XX/2023, my partner, XXXX, and I attended a timeshare presentation with XXXXXXXX XXXX Despite expressing our lack of interest, a sales representative persisted and introduced a senior representative. They presented an offer to acquire the full timeshare package for {$8000.00}, which included ownership, XXXX points, and access to offerings valued at {$120000.00} or more. Believing it to be a remarkable deal, we made a down payment, with the assurance of an owners meeting to explain usage and benefits. 

However, on approximately XX/XX/2023, during an owners update meeting, we discovered that none of the promises made during the presentation were accurate. We were informed that to receive what was initially promised, we would need to pay an additional {$60000.00}, and that none of the prior assurances were valid. Confronting the representative, they admitted to engaging in bait and switch tactics and refused to address the situation. 

Following this encounter, we lodged a formal complaint with XXXX XXXX, expecting a resolution. Unfortunately, they failed to provide any meaningful response or remedy to our concerns. 

We attempted further communication via phone calls, emails, and mailed letters, all of which remained unanswered. Additionally, upon reviewing my credit report on XX/XX/2023, I discovered a collection entry from Equiant Financial Services. When I contacted Equiant Financial Services at XXXX, I learned that it was related to XXXX XXXX. The representative transferred me to XXXX XXXX, where another representative claimed that XXXX had again denied receiving the recording. 

It is evident that both XXXXXXXX XXXX and Equiant Financial Services have engaged in unfair and deceptive practices, causing significant distress and financial harm. I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into both entities for their deceptive practices and unfair collection tactics. 

Enclosed with this letter are relevant documents, including emails, letters, records of phone conversations, and credit report details. 

I trust that the Consumer Financial Protection Bureau will take swift action to protect consumers from such unethical practices and hold XXXX XXXX and Equiant Financial Services accountable for their actions. 

Thank you for your attention to this matter, and I look forward to a just resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

I am writing to follow up my previous dispute with certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2024-05-01
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: Experian Information Solutions Inc. (TX)

I'm requesting a deletion for the following charged off account listed below. XXXX XXXX XXXX XXXX XXXX After checking my most recent report the updated information stated the account was purchased by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please remove this account from my credit report. According to IRS an unpaid charge off is income and according to FCRA income can not be reported on a credit report.
Consumer complaint received 2024-05-01
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. (FL)

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

This account has violated my rights ; Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Seattle Service Bureau, Inc (CO)

In XXXX, XXXX, I made a purchase in the amount of {$1700.00} from XXXX. In XXXX I received my products. In XXXX, I was contacted by XXXX 'Chargebacks ' department who informed me the payment was not made for my XXXX items, in the total of {$1700.00}. I was asked to provide bank statements, which I provided in XXXX, XXXX, and again in XXXX, XXXX. After initially sending in my bank statements via email, I was the target of harassing language and was hung up on by XXXX of the XXXX Chargebacks agents. I took my bank statements into my neighborhood XXXX and provided them to a management team member who called Chargebacks on my behalf and told them my bank statements legitimately showed I paid for my items. Later, a different agent contacted me and I was asked to initiate a three-way call with my bank, XXXX XXXX XXXX, which I did and at which point my bank confirmed the amount in question was charged to my account and the funds did transfer from my account to XXXX ( XXXX XXXX  ). At the end of this three-way call, the XXXX Chargebacks agent informed me that from what he determined, I was not at fault and the XXXX legal team would have to contact my bank directly since the problem was not mine. ( XXXX bank is who XXXX banks with ) Regardless of the agent 's statement to me, my 'debt ' was sent to a collection agency, National Service Bureau , Inc. ( NSBI ). During our initial phone conversation, the NSBI agent, XXXX XXXX, raised his voice, yelled at me that he was sending my account to collections due to my lack of cooperation, and hung up on me. I called back and was forced to apologize just so he would tell me why I was sent to collections. He told me it was my fault XXXX XXXX had not received their funds and it was my responsibility to prove the debt was paid. This was regardless of the fact that I had provided XXXX months of bank statements. I provided NSBI another copy of my bank statements showing the amount had been charged to my checking account as well as a letter from XXXX XXXX XXXX confirming the charge/transaction was completed on my end. Since XXXX, I have made multiple attempts to contact NSBI, with no response. I continue to receive letters in the mail stating the debt has been sent to collections. I do NOT owe this debt. I have paid for my items and request this harassment and erroneous debt collection stops.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Unknown hard enquiry found on my Transunion and XXXX report which I do not recognize. I called Transunion to report the discrepancy and they suggested I file a complaint here.
Consumer complaint received 2024-05-01
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. (PA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am writing to bring to your attention a critical matter concerning the inaccurate reporting of late payments on my credit accounts. This letter serves as an official notice of your non-compliance or negligence with the Fair Credit Reporting Act ( FCRA ) and outlines the corrective actions required to rectify this issue promptly. I've addressed this in prior letters to no avail. The reported late payment information does not accurately and completely reflect my payment history.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX at approximately XXXX hours I requested to withdraw {$200.00} from an ATM in {$100.00} bills. The machine dispensed {$40.00} in the form of two {$20.00} bills, so I was not given {$160.00} of the money withdrawn. However, {$200.00} was taken out of my checking account. 
ATM machine ID XXXX I have filed a claim with Bank of America and have not heard anything back from customer service. They have a status check link online but it only says claim received. 
Money is short right now and I feel it is ridiculous to have to wait so long. I withdrew the money for a reason.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

This issue deals with a recent large drop in my Experian report that I didn't think made sense, but any attempt to reach out to them to get my questions answered were responded with non-answers and phrases like " credit scores are calculated using data in your credit reports ''. 

On XXXX, XXXX I had a credit score of XXXX. I missed a student loan payments, mostly because of the student loan forgiveness stuff that was going on. Regardless of the reason on XX/XX/XXXX, it dropped to XXXX, then XXXX on XX/XX/XXXX, then at it's lowest XXXX XX/XX/XXXX. My student loan company called me, I paid the debt in full that month. That one missed payment in XXXX dropped my score XXXX points in 40 days. I had been at a very good or exceptional score for 5 years, one missed payment dropped my credit score 34 % [ the math XXXX ( XXXX ) ]. That doesn't seem fair. I paid off everything and my score only increased XXXX points to XXXX and its stayed there since. 

Experian shows how different " ingredients '' are used to determine a credit score. I took my current ratings ( excellent, very good, fair ) for each category and used the lowest score for each rank, and ran a weighted average ( see the attached email ), using the numbers they provided, I got a score of XXXX, so either the information they provide. I just want some transparency in how the scores are calculated, and Experian refuses to explain the discrepancy between their numbers and my math.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

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. 

The letters are stated with items and issues. 

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 2024-06-06
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. (FL)

I want these wrong accounts on my credit file checked and fixed. According to the Fair Credit Report Act, I should get {$1000.00} for each error. FCRA 605B says to report wrong accounts on credit files.
Consumer complaint received 2023-08-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

XXXX XXXX reached out to me via email informing me that he works for Citizen bank mortgage and would offer competitive rate. After several back and forth regarding the mortgage rates, I decided to go with XXXX XXXX ( Citizen Bank ) as my mortgage lender since they were offering me 3.875 % for 7 years and after that variable interest rate ( per market rates at that time ) ie 7 year ARM at XXXX points. I had similar offers from other lenders. However, I decided to go forward with XXXX as he promised a quicker closing time. The initial closing was planned for XXXX XX/XX/2022. Prior to that I received closing documents from Citizen bank which mentioned the interest rate of 3.875 % for 7 year ARM ; however costing me XXXX points which were worth XXXX USD. I brought it to XXXX 's notice and he said that I should not worry as it was a mistake. He will make sure that these points are taken off prior to closing. I had driven to XXXX NY from XXXX MA ( my residence at that time ) the day prior to closing to make the final walk through the house. However, I was informed by my lawyer that the bank cancelled the closing ( scheduled for XXXX XX/XX/2022 ) as they did not want to take off the XXXX points. 
After multiple attempts the bank finally gave me new closing date of XXXX XX/XX/2022. Since the cancellation of the closing, XXXX stopped answering my calls. I, after getting in contact with his supervisor, was able to get in touch with him and he again said that he will try to take off the points. 
As my lease in XXXX was coming to end me, my wife, my then XXXX daughter, my parents and my dog drove from XXXX MA to XXXX NY on XXXX XX/XX/2022. We had to rent out XXXX for XXXX and XXXX XX/XX/2022. I did not receive closing numbers till in the office of the lawyer around XXXX XXXX at the time of closing. The XXXX points worth XXXX usd was still on my mortgage and I did not have time to go through numbers before to refute. As me and all my above family desperately needed a place to stay ( and XXXX was expensive-receipt attached ), I felt compelled to sign the papers. 
Now that I have settled in and I feel that XXXX and Citizen bank made a false promise to get my business. I feel that I deserve back the XXXX USD I paid for those XXXX points which initially they had promised they will not apply on my loan. In addition, I would like Citizen bank to reimburse my XXXX charges ( XXXXXXXX XXXX ) which were incurred due to cancellation of closing the XXXX time.
Consumer complaint received 2024-06-07
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. (PA)

According to FCRA 605B, I believe we need to remove any incorrect accounts from my credit report. Can you please review the documents? Some of the accounts listed contain errors in the reported amounts and dates.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to bring to your attention a critical matter concerning the inaccurate reporting of late payments on my credit accounts. This letter serves as an official notice of your non-compliance or negligence with the Fair Credit Reporting Act ( FCRA ) and outlines the corrective actions required to rectify this issue promptly. I've addressed this in prior letters to no avail. The reported late payment information does not accurately and completely reflect my payment history.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2023-12-09
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. (KS)

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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/year>, I purchased items from XXXX ( online ) using my Capital One card ending in XXXX. These items were initially lost in the mail ( the US postal system ). I asked XXXX for help, but they provided no assistance. As a result of not receiving the items for over a week past the delivery date, I filed a dispute with Capital One, and they initially reversed the charge ( {$200.00} ). 

I later contacted the US postal system for assistance. They were able to find the lost items which I received on XX/XX/year>. I then contacted Capital One Bank and informed them that I wanted to cancel the dispute ( total {$200.00} ) because I received the lost items. Capital One Bank charged back my account for the full amount of {$200.00} on XX/XX/year>. 

Several items ( of clothing were bought from the merchant ). Upon receipt of the package, I realized that some did not fit, so I returned some of the items totaling {$100.00} on XX/XX/year>. This was returned via the US postal system. The items were received by the merchant in the original condition within the specified time frame, however, they have still failed to issue me a refund. Relevant screenshots have been attached showing that the refund is still " processing '' and has long passed the date that it should have been returned to my account. 

I have contacted XXXX for assistance, but unfortunately, they have not responded to me. I have also contacted Capital One to dispute this specific amount of {$100.00} which the merchant has failed to return, however, Capital One is failing to assist claiming that I am disputing the same charge twice. I explained that this is not the case, because I am currently disputing a portion of the original amount, since I returned items from that original purchase which has been charged to my account, so, I am still entitled to a refund from the merchant. 

I am requesting an investigation by the CFPB into this matter. All relevant documentation has been uploaded. 

Capital One Card Number : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

Navient has twice changed my automatic payment without any notice. On XX/XX/XXXX instead of deducting the XXXX which was the previous deduction amount, they deducted XXXX. I had been enrolled in a program to get my loan out of default and when it was transferred to navient the deductions remained the same for a few months. They stated hey emailed me notices which I never received. Then this month on XX/XX/XXXX the deducted XXXX instead of the XXXX that was being deducted. I was enrolled in an income driven repayment plan and it had expired. I received no notice, even though they stated they sent me emails in XXXX and XXXX. I asked them to confirm my email multiple times and I asked to speak to someone to address the issue because I was not receiving an email. They stated they did not have a way to resolve the issue and just simply I should be receiving the emails. I checked all mail boxes and had not one email from them.