davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Aldous & Associates, PLLC (TX)

I am writing to formally request that you cease and desist all communication and activities related to me through any form of media or third-party entities. As of this date, there exists no valid contractual agreement between your company and myself. 

I would like to bring to your attention that any attempt to report false information about me to credit agencies, including threats to post negative remarks on my credit report, is unwarranted and constitutes a violation of my rights. I have not provided my social security number to any party associated with your company, and any such unauthorized disclosure would be deemed as a serious case of identity theft. 

I insist that you immediately cease all attempts to contact me and refrain from any further actions that may harm my reputation or credit standing. Failure to comply with this request will leave me with no choice but to pursue legal action to protect my rights and interests. 

Please acknowledge receipt of this letter and confirm in writing that you will comply with my demands as outlined herein.
Consumer complaint received 2022-12-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (AZ)

I called Flagstar bank informing them that they were modifying my escrow in violation of 1024.17 ( c ) ( 1 ) ( ii ). None of my escrow debts have increased and yet they are forecasting that I will be below my {$350.00} minimum cushion and therefore I must pay an additional {$310.00} to stay at or above the 1/6th estimate of my escrow account. I called them and attempted to inform them that the my Escrow should have {$1400.00} annually as my insurance is paid straight from my checking and they maintained that they pay it - yet could not provide me with accurate insurance information.

The representative then told me It's my fault and I needed to rectify the situation and then would not listen to my explanation of the fix. And instead kept reading that they could not allow my account to go BELOW 1/6th of the estimated annual payment.
Consumer complaint received 2023-07-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My previous complaint about Bank of America systematically forced applicants to change the fact of the purpose of the mortgage application so that they could charge higher fees. Bank of America was aware that I was represented by an attorney, but they have refused to contact my attorney despite the fact that I originally stated that everything must go through my attorney. Bank Of America has not sent any communication or response to me and my attorney but simply closed out my complaint on CFPB to satisfy the CFPB 's requirements.
Consumer complaint received 2024-02-03
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. (TX)

I noticed on my credit report there are 2 late payments with XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible in accordance with the Fair Credit Reporting Act and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (ID)

I made this month {$640.00} in payments to this loan which should have more than paid the interest and they added nearly {$500.00} to the interest so now even with the payments my interest which was XXXX is now nearly {$1000.00} This is not the interest rate they claim to be charging even before this as they were claiming 5 % and not this but they add the payments to what I owe instead of reducing them. I should have at least {$200.00} on the principal but they do not even show the {$200.00} payment
Consumer complaint received 2023-03-06
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX {$780.00} XX/XX/XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

This company knowingly and willfully reported old, innacurate and false information that caused substancial harm in the form of lost employment. I was not allowed to dispute the information or the accuracy of the report before the offer letter for employment was rescinded. Further, I have not received the required legal notifications such as a preadverse action or adverse action notice and I have requested it several times. I have submitted proof of the false information more than 5 times and have tried contacting the company numerous times. They disconnect phone calls and don't respond to questions that are emailed regarding getting a new report with the incorrect information removed. This company has a vast history of false and innacurate reporting and in my research they have lost numerous court proceedings regarding the reporting of innacurate or false information including at least one class action lawsuit, yet they do not appear to have refined their business processes despite the continuous harm being caused to thousands of Americans. I believe this company has acted in such bad faith, even after legal repute, to so many consumers, they have proved they can not be trusted to reliably and responsibly report information and as such, they should NOT be allowed to gather, review, report or otherwise access anyone 's personal information or provide any information to any company in any capacity.
Consumer complaint received 2024-08-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NJ)

I called Navient on XX/XX/XXXX to request an appeal application for a denial regarding my XXXX XXXX XXXX XXXX. The representative that answered the phone had no information or knowledge of this program and could not even provide me with a phone number or email for this program. I was instructed to go back to my denial letter and use the information there. 

On XXXX I called the number listed in my denial letter, XXXX Extension : XXXX. When calling this number there is no option to enter an extension. The line rings and always says there is one person ahead of you and a 3 minute wait. I wait and after the 3 minutes it says no one is available to take your call. I called back several times and finally requested a call back. The line sounds like heavy static and poor quality. 

These additional road blocks and difficulty to receive proper information are frustrating and stressful.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America messed up my credit card payments. Here are the timeline : XXXX  I have a statement balance of XXXX in XX/XX/XXXX. At the beginning of XXXX, out of nowhere, boa initiated two identical payments of XXXX from my checking account at XXXX XXXX XXXX. I called on XXXX and the representative initiated a return of payment on my of the two identical payments, and told me that the money would be returned to my checking account in a week XXXX. Not seeing the money, I called again on XXXX or XX/XX/XXXX and was told that the money would be there in two more days. 
XXXX. Still not seeing the money, I called again around XX/XX/XXXX, and was told that due to this being a transfer to a different bank for more than XXXX, it require extra approval which might take up to 60 days XXXX. On XX/XX/XXXX, I got a message from boa collection department saying that the other payment at the beginning of the month was also returned, and I'm thus past due. 

As you could apparent see, none of these makes sense to me, because I've paid my balance, and actually overpaid it due to some unknown reason on boa side, and I've yet to see any of the overpaid money back on my account My requests are : XXXX. For boa to sort out the second return payment issue, and mark my credit card bill as fully paid XXXX. For boa to return one of the two identical payments to me XXXX. For boa to compensate me for the interest loss on XXXX dollars, at the current fed rate of 5 % per year, for the duration between XX/XX/XXXX to the date when I get my extra payment back
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the
standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (FL)

This collection was already resolved previously and a new company decided to try and buy the debt and reopen it, which is illegal and needs to be removed all together. 

This is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had no connection with the dish, and wait time for a phone call was XXXX minutes with no answer. I then called XX/XX/XXXX to pay the debt despite not having any service which XXXX knew well I was having major issues with my dish but was not going to allow anyone inside my unit due to covid. So I did not schedule a technical call as they said they would have to enter the premise, I told them to please cancel as I had no access to the product and services. I kept getting billed for 4 months after. Mind you I signed a contract in XX/XX/XXXX for 24 months, so they were billing me after the contract was no longer. The equipment has been disconnected for months and waiting return. I was informed me they then sent return item in XXXX, which it never arrived, so more lies on the companies part. Now they want {$400.00} plus missed item fees that can be more than {$150.00}. I should be responsible for nothing for a service that had " no signal codes '' since XXXX and a contract that expired at the end of XXXX. They need to stop collection activities for an account that one should have been closed, a service that number 2 couldn't be accessed due to technical problems and because of Covid unrepairable without putting my health at risk. Thank you
Consumer complaint received 2024-02-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (VA)

I called Sallie Mae on XX/XX/2024 to discuss the fact that my student loan payments were starting in XXXX and they would be {$690.00} a month. I told them I couldn't afford that and I needed some help. They told me I didn't qualify for the XXXX repayment options they have and I can't talk to collections about paying/payment plans unless I miss my payments and go in delinquency. I am trying to get ahead of this and they are unwilling to help. They won't even let me put all my loans together so I have XXXX separate payments coming out each month. 

I have tried handfuls of company to help me refinance ( XXXX, XXXX, XXXX XXXX, etc. ) and none are willing to help without a cosigner. What if I don't have access to a cosigner??? This is all incredibly frustrating and nobody is willing to help me whatsoever.
Consumer complaint received 2024-06-06
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. (UT)

Experian, I need to ensure MAXIMUM POSSIBLE ACCURACY on my credit reports. There are still inaccuracies on my credit report with this tradeline. Please download my dispute letter.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

I am trying to apply for a home equity loan. The lender XXXX was trying to pull a credit report to verify my credit. Equifax has refused to provide credit report to my lender stating that they believe it is for fraudulent purposes. 
I have contacted Equifax many times and they will not release the report. I have send them my social security and ID multiple times but they still will not release my credit file.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MA)

Dear Synchrony Bank Attn : Three Major credit bureaus I am writing to formally dispute the recent reduction in the credit limit of my Amazon account ( ending in XXXX ), from {$10000.00} to {$6500.00}. This action has been taken based on alleged delinquencies or derogatory marks on a real estate secured loan, as stated in your correspondence among other factors. I must assert that this is a clear error, and I request an immediate investigation and reinstatement of my original credit limit. 

For approximately XXXX years, I have maintained this account with consistent, automatic scheduled payments. The claim of any recent derogatory status on my real estate secured loan, as cited in your letter, is incorrect and not reflected in my credit history. To substantiate my position, I have enclosed the following documents : A current copy of my yearly credit report obtained from XXXX that your company referenced, clearly shows no delinquent or derogatory marks on any of my real estate secured loans. 

Bank statements and canceled checks from XXXX XXXX XXXX, demonstrating consistent and timely payments for the period mentioned in your letter. 

Additionally, I would like to highlight that I have XXXX real estate loans, both of which are current, with no issues of delinquency. Enclosed are the documents about both loans, affirming their good standing. 

Given the evidence provided, I respectfully request the following : A thorough review of the decision to reduce my credit limit on the Amazon account ending in XXXX. 
An immediate correction of any inaccuracies in your records, especially regarding my real estate loans. 
A reinstatement of my original credit limit of {$10000.00} on the Amazon account, as the reduction appears to be based on incorrect information. 

This unwarranted reduction in my credit limit has adversely affected my credit score and caused significant inconvenience. I trust that Synchrony Bank values accuracy and customer satisfaction and will act swiftly to resolve this matter. 

I appreciate your prompt attention to this issue and look forward to a resolution that reflects the accurate status of my financial commitments. 

I also humbly request that the CFPB publish this description on consumerfinance.gov so that others can learn from my experience. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CT)

Commenity bankhas been contacted repeatedly for more than 1 year to resolve the fraudulent accounts. CB has failed to provide any material facts, or supporting documents that meet legal criteria of a contract. The information reported to the credit bureaus by CB is inaccurate, invalid, and unnverified, as it is fraud. I demand the 2 account be deleted immediatly and permanently from my credit report.
Consumer complaint received 2023-04-18
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. (GA)

This complaint is my follow-up prior to my previous complaint last XX/XX/XXXX. My previous complaint contains these disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$840.00} XXXX XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance XXXX {$5400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-30
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. (DC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX RESOURCES I Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX I Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, CREDCO/NEWREZ LLC Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-09-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I requested that you stop contacting me in all possible ways and portfolio recovery kept contacting me, then afterwards i put in a complaint and they sent back that i need to authorize the complaint after i sent full account numbers and the name of who i am. I am authorizing this complaint and i want to follow through and they will he receiving paperwork from attorney soon.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CT)

MCM has been contacted repeatedly for more than 1 year to resolve the fraudulent accounts. MCM has failed to provide any material facts, or supporting documents that meet legal criteria of a contract. The information reported to the credit bureaus by MCM is inaccurate, invalid, and unnverified, as it is fraud. I demand the 2 account be deleted immediatly and permanently from my credit report.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (AR)

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX but under XXXX shows that account # XXXX ) I am Attaching identity and proof of address.