davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (TX)

I have sent multiple emails, uploaded the same document twice and there is no communication from the company that they are even looking at it. Its ridiculous that I tried calling this time and I got a 468 minute wait time. I put my number in a queue but theres no sign of them calling. Its been the 468 minutes already! LONGER! I just want information about repayment!
Consumer complaint received 2023-08-31
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. (ME)

I sent letters off on XX/XX/2023 through USPS. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America claims to have resolved this issued because of the {$10000.00} I have lost, they have refunded me a total of {$1500.00}. That is only 15 % of the total amount I lost and that is their solution of a resolution and they then closed the claim. This bank has done nothing to help ( me ) it's customer other than denying the facts. They claimed that I have made large purchases like this repeatably in the past ( untrue ) and that there were security measures in place that I approved of. I didn't legally approve of them because I was XXXX XXXX XXXX per my police report that I filed and therefore it was not legally contract with me that made these purchases. Identity theft which is a form of fraud ( In police Report ). Also, if security measures we're in place, large transactions like this would not be approved at XXXX in the morning. Yet jus like what big banks always do, rather than protect their customers first, they always make sure they never lose money, even if it's ethically wrong. 

On the night of XXXX XXXX  I was wrongful defrauded, and drugged by I believe strippers in XXXX XXXX. They took a total of at least {$10000.00} using my drugged state to send themselves XXXXXXXX XXXX  debit card, and XXXX XXXX payments cleaning out my entire bank account. XXXX, they were all sketchy payments to names I have never sent money to before nor had prior activity for especially the amounts that were being sent. I went to Bank of America to file a claim and they said it was a robbery only not fraud and only the police can do something about it. I was going to file a police report but after doing research, this XXXX happens all the time, you maybe hear from a detective in 10 days and then nothing happens they always get away with it. I filed a claim for fraud with Bank of America and they denied it. I looked up the definition of fraud and it states : wrongful or criminal deception intended to result in financial or personal gain. Wow, sounds very much like what happened to me. In my head, I thought, what is the point of having a bank if they don't even protect you with things like this? there isn't. And Bank of America can even replace {$10000.00} to help a wronged customer? Like they don't have the money. Anyways, I'm grateful I'm alive, it could have been much worse but I am disappointed in the way the Bank of America Associates treated me, like I was the big XXXXXXXX XXXX  and why should I help kind of attitude. The worst customer service I have received and treated by a bank. And they didn't provide a service they claim to provide to the customer. I also filed a previous complaint with CFPB and Bank of America replied back they are still working on it, yet the document below clearly show 's that they already made a decision on one of the two claims related to the matter. Another lie from Bank of America. See the documentation for yourself below along with the police report.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (SC)

On XXXX, I phoned Truist Fraud Protection regarding several charges I did not recognize. The CS rep told me that the charges were " pending, '' and therefore Truist could not do anything until they posted to my account. At this time, around {$110.00} in charges had accrued. The CS agent also said if it were fradulent charges, they would likely drop off my account as the " system '' would flag them as fraudulent. He said to call back several days after they had posted, and they would address it if needed. I called back later in the week and, at this point, now had {$600.00} in charges that had been posted to my account. I filed a dispute of the charges and was subsequently denied as these charges originated from a mobile device using a token. I can assure you we didn't make these charges and am unaware how the XXXX XXXX was hacked. I feel Truist is at fault for not shutting my card down immediately and failing to notify me that these were XXXX XXXX transactions if they had this information. I knew we had the debit card in our possession and it wasn't stolen. I just would like my {$600.00} back in my account but at this point Truist has been unable to help me and although a loyal customer I am not feeling very valued as a customer.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I sent letters off on XX/XX/2023 through USPS. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-08-31
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. (PA)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XX/XX/XXXXXXXX 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 2023-08-31
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-05-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

In my ongoing efforts to resolve discrepancies within my financial records, I have recently encountered significant obstacles in obtaining crucial information from LVNV, a debt collection agency purportedly responsible for debts attributed to my name. Despite repeated requests for documentation to validate their claims and establish the legality of their debt collection activities in my state, LVNV has failed to provide the necessary evidence, raising serious concerns about their practices and the validity of their assertions. 

Central to my inquiries is the request for a signed contract between myself and LVNV, outlining the terms and conditions under which any alleged debt would have been incurred and subsequently transferred to their agency for collection. However, despite multiple attempts to obtain this essential document, LVNV has consistently failed to furnish any such agreement, leaving their assertions regarding the debt in question unsubstantiated and lacking in credibility.

Moreover, I have also sought proof of LVNV 's legal authority to collect debts within my state, as it is incumbent upon debt collection agencies to adhere to state-specific regulations and licensing requirements. To my dismay, LVNV has yet to provide any documentation demonstrating their compliance with the laws and regulations governing debt collection activities in my jurisdiction. This failure to validate their legal standing further undermines the legitimacy of their collection efforts and raises serious doubts about their adherence to regulatory standards. 

The inability of LVNV to provide the requested documentation not only impedes my ability to assess the validity of their claims but also calls into question the integrity of their debt collection practices. Without verifiable evidence to support their assertions and establish their legal authority, LVNV 's actions appear arbitrary and potentially in violation of consumer protection laws.

In light of these concerns, I am compelled to escalate this matter and seek redress through appropriate channels. I will continue to pursue the documentation necessary to validate LVNV 's claims and ensure compliance with relevant legal and regulatory requirements. Additionally, I will explore all available avenues to challenge the legitimacy of any debts attributed to me by LVNV until such time as they provide the requisite evidence to substantiate their claims. 

It is my sincere hope that LVNV will recognize the seriousness of these allegations and cooperate fully in providing the requested documentation. Transparency and accountability are paramount in matters of debt collection, and I am committed to upholding these principles in pursuit of a fair and equitable resolution to this dispute.
Consumer complaint received 2023-09-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

The company said they closed the account in 2017, but I'm still paying on the loan as we agreed on by the bank. So my credit report shows I'm really bad credit and all my other credit scores are all perfect. This has caused me not to be able to get financing on a loan for XXXX XXXX for my home. Which would have saved me lots of money as I'm on a fixed income.
Consumer complaint received 2023-08-31
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$63000.00} XXXX XXXX XXXX Balance : {$370000.00} XXXX XXXX  XXXX Balance {$0.00}.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX and XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2024-03-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

The company claims I owe them XXXX for XXXX months of XXXX XXXX. But I have never used XXXX mobile. If it is XXXX mobile I dont understand why this should be a collection on my credit report and I would not be paying for fraudulent debt.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-22
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. (TX)

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-12-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (UT)

Company first started contacting me on Thursday with 3 no caller id numbers and 4 registered phone numbers ( 7 calls in one day ).

Friday I had 2 no caller id numbers and 2 from the same registered number ( totaling 4 calls that day ) Saturday I had two missed calls from the same registered phone number. 
Sunday by XXXX I have received one call from the same number. 
This means they have called me 14 times in the last XXXX XXXX days. 
Registered number calls come in from is ( XXXX ) XXXX
Consumer complaint received 2023-08-31
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: NATIONS DIRECT MORTGAGE, LLC (CA)

1. Filed Loss Mitigation Application and Hardship letter and details XX/XX/XXXX XXXX 
2. Filed XX/XX/ XXXX XXXX  ; they requested updated information filed XX/XX/XXXX XXXX XXXX Requested updated bank statements, sent to three locations and to a bank officer. 
3. Sent repeated emails for three months and no response; spoke with loss mitigation multiple times with duplication of the same issues. 
4. Spoke with XXXX XXXX, Director of Services; sent information directly to him, and have called him multiple times and no response. 
5. Called Foreclosure Prevention Case Escalation Unit ; no response. 
6. Emailed Loss Mitigation and Customer Service multiple times ; no responses. 
7. I am a XXXX XXXX XXXX XXXX Veteran who can not work and suffer from XXXX and XXXX XXXX This is creating added stress and causing agitating of my health issues 8. XX/XX/XXXX; spoke with Loss Mitigation and they gave me a list of new documents to resign with current dates. Complied with all requested information and filed XX/XX/XXXX. No response that the email was received. 
9. I keep receiving Loss Mitigation Applications every month with no explanation leaving me to believe that they are not getting my information
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: Ability Recovery Services, LLC (IL)

XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Ability Recovery Services, XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX [ Their Address ] [ City, XXXX, Zip ] Re : Dispute of Debts To Whom It May Concern, I, XXXX XXXX XXXX, am writing to dispute two specific debts currently listed on my credit report. The first, reported by Ability Recovery Service with a last report date of XX/XX/year>, concerns an open balance of {$510.00} related to XXXX of XXXX XXXX XXXX. The second, reported by XXXX XXXX XXXX with a last report date of XX/XX/year>, concerns an open balance of {$880.00} related to XXXX XXXX XXXX XXXX XXXX 
As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 U.S.C. 1692e and 15 U.S.C. 1692g, I am disputing these debts and request validation. These statutes mandate accurate and honest communication about the debt and require you to provide a detailed validation notice. 
Furthermore, there seems to be a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2, as my consent was not provided for accessing or reporting my credit information. This is particularly concerning regarding the debt from Ability Recovery Service, where there is no clear permissible purpose under the FCRA for accessing my credit report. 
I also cite 15 U.S.C. 1692d and 1692f, which prohibit harassment, abuse, and the use of unfair or unconscionable means in debt collection. Given the remarks on my credit report about the XXXX XXXX XXXX debt being disputed and meeting FCRA requirements, it is imperative that these matters are handled with strict adherence to these laws. 
I request a prompt review of these debts and provision of evidence validating them. Should you fail to validate these debts, I expect their immediate removal from my credit reports and a written acknowledgment of this action. Non-compliance will leave me no option but to pursue further legal action. 
Thank you for your prompt attention to this matter. I await a timely and compliant response. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (MI)

I was told I was approved for a XXXX loan and I had to pay fees to the XXXXXXXX XXXX. I was continously charged a fee but never received any loan nor my money 's back.
Consumer complaint received 2024-03-29
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. (CA)

Hello I recently look to my credit report and i am a victim of identity theft, i found on my credit report the fraudulent account, that i want to dispute. The fraudulent account ruined all my credit score. 
XXXX XXXX  : opened XX/XX/year> XXXX XXXX  : Account number XXXX XXXX XXXX  : Fraudulent Charges {$1100.00}