davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
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. (MO)

XXXX Equifax and XXXX i have contacted them by mail and phone for my right as a consumer for them to report the following company that is reporting on my credit. 

the following account an date is listed below - XXXX XXXX XXXX -opened XX/XX/2019 amount XXXX 15 USC1681 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 whom it relates. '' XXXX XXXX  and any thrid party financial institution and the Consumer reporting agencies XXXX Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX ( XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " creidt acceptance and credit reporting agency Neverinformed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumerreporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records ofconvictions 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 1681s2 ( 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 designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining 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
Consumer complaint received 2024-01-19
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. (FL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I am filing a complaint because equifax has completely ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts. under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified ''. That I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

I had a Citi Advantage Platinum Select World Elite Mastercard. I closed the account early last fall. I cancelled a vacation and XXXX provided a refund. I didn't realize the refund was going to this closed account. I logged into my closed account to see that I had XXXX refunds from XXXX XXXX, XX/XX/XXXX, & XXXX. When I realized this had happened I contacted Citibank and they assured me that they would transfer the money to the checking account from which I had paid my credit card bills. They said this would take 3-5 business days. I did not receive the money so called back on Monday XX/XX/XXXX. I spoke with someone who said the refund had been approved but because of the holiday on the XXXX, I would receive the money on XX/XX/XXXX. I did not receive the money on XX/XX/XXXX so I called again on XX/XX/XXXX. At that time, I was told that the refund had not been approved so they would need 3-5 business days to approve it and then 3-5 business days to transfer the money if the refund was approved. I asked to speak to a supervisor and explained to her what had happened. She was professional but couldn't help. I asked to speak to her supervisor -- she said her supervisor would call me back within 24-48 hours. This did not happen. I just logged into my account again and saw that I now also have a refund from XXXX to this card. I had requested that XXXX send the refund by check. I just called XXXX and they said that now that the refund has been processed, there is nothing they can do. Currently, I am owed {$8300.00} by Citibank. They have had the majority of these funds since XX/XX/XXXX. I really need access to this money and they have not done any of the things they said they would do. I would greatly appreciate assistance. Thank-you.
Consumer complaint received 2017-04-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (NV)

My only income is XXXX XXXX ( XXXX ). I bank with Navy Federal. On 5 separate occasions they have taken from my XXXX money to pay for my overdue credit card account. No other money is deposited in my account except for XXXX. This month they took money that I needed to pay the rent, and I could be evicted in the next few days. I have repeatedly told Navy Federal that all the money in my account is from my XXXX XXXX but they are tone deaf to my pleas. I thought it was illegal to take XXXX money for unrelated credit card accounts. Please help me.
Consumer complaint received 2018-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (UNITED STATES MINOR OUTLYING ISLANDS)

We bought a condo on XX/XX/2016 through a Conventional loan 5 % down with PMI for XXXX total value and loan amount {$130000.00}. and were making payment since we took the loan to get rid of PMI. We talked to our Servicer ( Round Point Mortgage ) and their customer service told us if we are below XXXX  we can get rid of pmi. 

Once we reach below this number I contacted customer service to get rid of PMI and I was directed to their website and fill the form and submit it. I did that and few weeks later I heard back from them that they would need to do the appraisal inorder to determine the current value of the property which would cost {$600.00} something and I have to bear that cost. I refused because it didn't make any sense. And put more money down and brought my loan to value to 75 % which is {$100000.00} and submitted the request again and still got the same response from their department saying they would still need to appraisal. 

Even though I met all the conditions - Never late payment. LTV under 75 %. They still want the appraisal to be done and charge me {$600.00} for no reason. If I read my closing disclosures I can see that I should be cancelled based on LTV if my account is current which actually is. 

I feel round point is not acting according to law by imposing these extra restrictions to get rid of the PMI/
Consumer complaint received 2017-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates is trying to collect a {$1700.00} debt thats invalid and is trying to collect this account which the statue of limitations in California is expired at well. According to California Code of Civil Procedure 337 ( 1 ), the statute of limitations for a written contract is four years. Under 339 ( 1 ), the limit for an oral contract is two years.On my XXXX, XXXX and XXXX Credit report this invalid account reported its delinquency on XXXX XXXX. I do not owe this debt nor is there a contract with my signature stating that this is valid. A bill or other forms are not valid.
Consumer complaint received 2024-01-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (PA)

On XXXX XXXX, 2024 I reported to Western Union that my personal email address had been used to create an account that I did not authorize or create. I received a case number and and email from Western Union showing the account under my personal email address was deactivated. I also reported my mom 's personal email to them because the email I received showed her name on it. I was told there was no account under her email, just mine. I thought this would be the end of it. 

On XXXX XXXX, I received 8 emails from Western Union to my same personal email address. They showed the account was reactivated, the profile changed, and a money transfer had been completed. I called Western Union again and had them deactivate the account linked to my personal email address for a second time, but not before someone had used it to wire {$3400.00} out of my mom 's checking account. Western Union is now claiming that on XXXX XXXX, they deactivated an account linked to my mom 's email address rather then mine. I have email to my address showing that they deactivated the account I reported. Either way, they claim they are not able to refund the stolen funds. 

Though my mom 's bank has agreed to refund her the loss, I am making a complaint against Western Union for complete and total incompetence and failure to act on a fraud claim. My mom and I are not Western Union customers nor do we plan to be. I stated as much during my first call on XXXX XXXX, and that any activity pertaining to our email addresses and names should be shut down. They failed to act on that. If Western Union can't provide better protection to consumers, especially when they had a warning, they should lose their license to transact business.
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HoldCo LLC (TX)

Commencing on or around XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USD to the fraudulent investment firm ( XXXX ).
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NY)

My loan service provider, Nelnet is violating the terms of the settlement agreement of the XXXX  XXXX XXXXXXXX case. According to the settlement, I should be in forbearance while my borrower defense case is pending or processing discharge. Nelnet has me in repayment. I have been making contact with Nelnet and Federal Student Aid since XX/XX/2023 advising them of the issue and asking for them to put me in forbearance at least three times over telephone. Nelnet assured me that I would be put into forbearance and they would be making the change. This change hasnt happened yet, Nelnet has refused to provide anything in writing, and when I asked for telephone transcripts, they refuse to provide that to me. I am asking that Nelnet comply with the terms of the settlement agreement. 
Additionally, Nelnet sent a letter dated XX/XX/2023 with partial discharge however, no movement has been made on my account. FSA tells me that all of my student loans with the XXXX XXXX XXXX are to be discharged however because they were consolidated it will take a little bit longer, Nelnet is not providing any information on next steps or what I should be doing, but they are demanding payment with the first payment due in under XXXX days from today
Consumer complaint received 2023-04-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DC)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-16
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)

as of XX/XX/ i have notice fraud accounts and inquiries on my credit report account name : XXXX XXXX account # XXXX account type : credit card date XXXX credit limit : XXXX high credit limit : XXXX $ last date XXXX incomplete account number this is grounds for removal of fraud account " fair cares act ''
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2017-03-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

In XX/XX/2017, I terminated the services of XXXX and switched to XXXX. Knowing how companies are, I thought it would be in my best interest to stop payment on any future funds they decided to take. I went to Citizens Bank on XXXX/XXXX/17, in person, and paid the {$35.00} to stop payments to them. I was told I was all set. On XXXX/XXXX/17, Citizens allowed them to withdraw {$600.00} from my account. I called Citizens on XXXX/XXXX/17, and I was told the money would be put back by the following morning. On XXXX/XXXX/17, I was still overdrawn because of that charge. I called Citizens Bank again, and I was told they had to file paperwork which would result in waiting another 10 days for the money to be returned. They did offer their apologies for the inconvenience. However, when I had to tell my landlord that I could n't pay my rent for another 10 days I informed him that Citizens Bank extended their apologies. Surprisingly, that did n't fly. Now, to add insult to injury, they 've charged me a {$35.00} overdraft fee. I paid the stop payment fee well before this {$600.00} charge was presented. They XXXX, not me. They did n't fix their error in a timely manner, and they charged me for their error.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

My account was closed with capital one on XX/XX/22 Someone deposited a check in my account I tried to dispute it because it wasnt mine and they closed my account because I wasnt secure with my data. I asked them to mail the check they said it would take 10 business days. It is now XXXX still no money I have called and left several voicemails still no call back. At this point I would like the money transfer to the XXXX account that is already in their system
Consumer complaint received 2023-07-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-01-19
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: GOLDMAN SACHS BANK USA (FL)

XXXX XXXX XXXX XXXX {$1600.00} XXXX {$1600.00} XX/XX/year> - {$2200.00} XXXX {$2800.00} XXXX {$2800.00} XX/XX/year> - {$2800.00} XX/XX/year> - {$2200.00} There were no disclosures provided ( agency, lead based paint, radon, mold, i.e. ) as required by XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX also classifies the unit as an illegal rental unit. There can be no consent of the tenant that would make the contract legal IF the contract was illegal from the beginning, which it was/is per XXXX XXXX XXXX XXXX XXXX XXXX Attached are copies of the city code, Supreme Court Ruling and proof of lack of permit/inspection as required by city code and law. I have addressed the former complaint with Goldman Sachs and provided legal support in additional disputes, but they are still being ignored. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, a Florida Supreme Court case, the court held, [ t ] his, then, is the undoubted rule, that, when a contract is expressly prohibited by law, no court of justice will entertain an action upon it, or upon any asserted rights growing out of it. And the reason is apparent ; for to permit this would be for the law to aid in its own undoing. It seems that if there is ever a true public interest it is in housing and the conditions that we allow people to live in. We have housing laws imposed for many good reasons including health and safety. So the question seems to be if your landlord entered into a lease with you, knowing that the rental property did not meet housing code, is there really even a binding contract at all? If there is not, and the contract, in essence, is illegal, should this not prevent a court from applying XXXX  XXXX ( statute that authorizes eviction ) awarding damages to a landlord who was suing for breach against a tenant. The Supreme Court held in XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, that [ XXXX ] o court of justice can, in its nature, be made the handmaid of iniquity. Courts are instituted to carry into effect the laws of the country. How can they become auxiliary to the consummation of violations of law? There can be no civil right where there can be no legal remedy, and there can be no legal remedy for that which is itself illegal.
Consumer complaint received 2017-03-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (TX)

Received a call from a phone # XXXX stating that I owe {$280.00} and the doctor had been trying to collect this since XX/XX/2015. The caller had my name, birth date, doctors name and address. I called my doctor and they had me call their billing department and they stated that I had a zero balance. The " collection '' agency " Transworld Systems '' also gave me this number to call them tomorrow so I could pay this so called debt ( XXXX ) to prevent my credit from being effected.
Consumer complaint received 2024-01-19
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (VA)

The Synchrony Bank Lowes credit card is going to start charging {$1.00} for a paper statement if your balance is over {$2.00} each month. This should be illegal. A credit card company should not be allowed to force anyone into paperless statements. All the other companies who charge for paper statements do not charge extra for this, they give you a credit on your bill if you agree to paperless billing. This gives the customer a choice to go paperless or not. I should still have a right to get a paper statement and not be charged for it.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX {$410.00} ; XXXX  XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$150.00} ; MEDICAL XXXX Balance Owed : {$380.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX