davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX XXXX Balance : {$7600.00}.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Iam a XXXX XXXX XXXX man. I have been working XXXX & filing tax returns since then. Why does my report not show any employment from XXXX thru XXXX when i started working for XXXX XXXX I worked at XXXX  from XXXX XXXX. My report is missing data from XXXX .It also does not show my mortgage from XXXX while living at XXXX XXXX XXXX, XXXX, pa. XXXX. XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Consumer Telecom & Utilities Exchange, Inc. (NY)

I wish to formally contest any unsubstantiated or inaccurately documented information in my credit report, according to the FCRA and the recognized XXXX XXXX data field reporting standards. The allegations of delinquency and derogatoriness require factual verification as mandated by federal and state law, preventing any reporting that may contravene legal requirements. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - 1990 Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 2023-05-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION ()

I am writing to express my frustration and disappointment regarding the lack of refund for a transaction made through the XXXX app. The transaction ID in question is XXXX, and the amount involved was XXXX XXXX This payment was made as an emergency admission fee and was supposed to be refunded, as promised by XXXX customer support. 

Despite numerous attempts to get in touch with XXXX through various channels, including the app store, XXXX, and customer support email, I have yet to receive a response or any indication that my issue is being addressed. I have provided all necessary information and evidence related to the transaction, but there has been no follow-up or communication from XXXX. 

I am extremely disappointed and frustrated by the lack of action taken by XXXX to address this issue, particularly given the urgency and importance of the payment involved. As a loyal XXXX customer, I expect a timely and satisfactory resolution to this matter. 

I urge you to take immediate action to refund the transaction in question and to ensure that similar issues do not arise in the future. I look forward to hearing from you soon and receiving a prompt resolution to this matter.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (MA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' FIRSTMARK SERVICES is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' FIRSTMARK SERVICES is a financial institution and the Consumer reporting agencies XXXX 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 XXXX, XXXX, FIRSTMARK SERVICES 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. '' FIRSTMARK SERVICES never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' 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. XXXX 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 services.

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (WA)

In accordance with the Fair Credit Reporting act 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  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
Consumer complaint received 2024-02-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc. (TX)

I received notice from Aqua Finance in Early XXXX they would be taking over servicing of my existing loan from XXXX that originated XX/XX/XXXX. The Aqua servicing start date was notated as XX/XX/XXXX. 
The loan was interest deferred until XX/XX/XXXX ( XXXX  Months ). I was making regular payments ( {$1000.00} ) prior to the notice of transfer but ceased once informed. The previous company had issued statements on the XXXX of each month. When I had not received a statement by XX/XX/XXXX I contacted the Aqua Finance and spoke with XXXX. XXXX informed me there had not been and would not be any statements issued for this account until the next payment due on XX/XX/XXXX ( after the interest deferral had expired ). I informed him I must be issued a statement noting the amount of the loan remaining, the new account number, and payment directions. He assured me I would be sent one. 
As of today ( XXXX ) having still not received one I reached out again, and this time spoke to XXXX. XXXX said he had no record of a previous conversation with XXXX. He also told me there had been statements issued on XX/XX/XXXX and XX/XX/XXXX. XXXX is incorrect. 
He directed me to their website which is really intended for payments, I informed him I was not interested in paying via their website or service. When I found where statements should be available there were none. ( Screenshot of this page included ) I believe this company is making an attempt to allow me to try and forget about this loan so I am due the interest I do not want to pay. Since they have not provided me with a statement of account since they took over servicing, I believe they owe me additional deferment time as they are not presenting me the information for me to be able to accurately make my payments via my bank as I choose. 
Without a statement of account I can not confirm their billing cycles, the amount they have as the remaining balance, and where payments should be submitted. 
XXXX notified me he would be forwarding my complaint to resolutions, and someone would contact me back, however, since the information he has is not correct I am concerned I will not have a positive result. 
The original amount was {$15000.00} ; making {$1000.00} payments I was on track to pay the loan off in XXXX months, XXXX  months ahead of the expiration of the interest deferment. I now must make larger payments to avoid this due to Aqua Finances lack of proper procedure and disingenuousness, which is unfair to me. 
My last payment made to XXXX was XX/XX/XXXX, with the next having been scheduled for XX/XX/XXXX, it was cancelled as it would have occurred after the Aqua Servicing start date of XX/XX/XXXX. 
I believe Aqua Finance owes me XXXX  months of deferred interest from whenever they are able to provide me with a statement of account that arrives in my mailbox.
Consumer complaint received 2024-02-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC (FL)

XXXX Loan with Rocket Mtg in XXXX. is a FHA Loan. Every year they raise my mortgage XXXX dollars a month. The mortgage started at XXXX and now its at {$2500.00}. 

They refuse to give me credit for the fact that my house is worth almost 2 times what I owe and get rid of the MIP. 

The taxes for the property only increased about XXXX dollars, yet they are increasing my housing mortgage payments from XXXX to XXXX a month. The insurance is paid in XXXX not XXXX. They are pocketing all this money and refuse to assist with anything and bill late payments up the gazoo if you are late. 

This is not fair. We work hard to obtain our property and these banks are making it more and more difficult to keep a roof over our head. The bank should remove the MIP to make my mtg payment maneageable as I am XXXX and soon to be retiring and will not be able to continue wit hall these increases where the financial institution takes advantage of the Citizen to force them into foreclosure or to sell the home. This is terrible.
Consumer complaint received 2023-04-19
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX  XXXX Balance : {$5000.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (TN)

Opened a credit with avant credit card service and had a billing cycle ending on the date XX/XX/XXXX, with reporting to credit burua on XX/XX/XXXX, I had made a payment of {$42.00} with confirmation of XXXX submitted on the date XX/XX/XXXX. 

However on the date of XX/XX/XXXX in was the day they reported the payment to credit burau that should a XXXX balance. they added and fee charge of XXXX reported the amount showing this was a balance. 

Under the federal billing act the company has to allow 21 days in billing cycle to allow for me to pay the billing, in which this did not happened, sending the information all CRA 's and negative report. 

I have spoken with XXXX on the date of XX/XX/XXXX about the matter to ask and demand this be updated correctly to credit bureaus and she is replies there nothing we can do. 

This is Fraudelent billing and my credit has taken a XXXX point dive downward. Making ineligible at my banking institution today.
Consumer complaint received 2024-04-09
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: EQUIFAX, INC. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX  days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Card Acquisitions Group (OH)

Foster and Monroe LLC has committed several violations under the fdcpa and fcra laws firs by reporting the account to an address I dont reside which you will see on the exhibit secondly by making false representations about the account allegedly made inaccurate assertions by stating that the email in this complaint was the same email that the original creditor which is false as you will see on my exhibit and thirdly failing to identify themselves as debt collectors and which I have evidence to prove my allegations which I will upload on this complaint I spoke with a Cfpb representative who advised me to contact the XXXX Ohio legal aid for help about this matter. I intend to take legal action to make this irresponsible debt collector company. Thank you.
Consumer complaint received 2024-02-07
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (OR)

We moved and set up XXXX internet / cable at our new house. No issues or complaints/ collections came from charter. 

My credit just dropped. When I looked into it IC system had dinged my credit. 
They never reached out to me. I had no idea who they were or what charge was for. 
I called them, they explained XXXX XXXX wanted {$170.00} for unreturned equipment. This is very strange because XXXX. I returned equipment, XXXX. XXXX never requested money from me and I have a current account with them so they have all of my information it would be easy to reach me. 
This is what was listed for reason for credit ding " The collection agency is I C SYSTEM. The original creditor was XXXX XXXX COMMUNICATIONS. '' I paid the amount because I didn't want my credit to tank further ( down XXXX pointes over a {$170.00} charge ). We are in the process of applying for a construction loan so it is a huge deal for us we lost our rate. 

IC Systems confirmed on the phone that they had sent the bill to an address I no longer lived at and addressed bill to XXXX XXXX ( I have been legally XXXX XXXX - married name - since XXXX ). The charge in question happened in XX/XX/XXXX. 

We no longer qualified for the loan we needed. I paid the charge I am not sure I should have because I never heard from Charter. IC Systems never let me know that they were trying to collect from me. IC Systems said they would flag the transaction but my credit is still down XXXX points.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep frustration and disappointment regarding the unresolved issue of fraudulent items on my account. Despite my initial attempts to rectify this matter, I find it necessary to address it once again. 

Since then, I have diligently followed up on multiple occasions, providing additional evidence and emphasizing the urgency of the situation. Despite my efforts and the assurances I have received, the fraudulent items persist, causing me significant stress and financial hardship. 

The failure to address this issue in a timely manner reflects poorly on your company 's integrity and commitment to customer satisfaction. I have cooperated fully and provided all necessary information, yet the problem remains unresolved, eroding my trust in your organization. 

I demand immediate and decisive action to rectify this situation. I insist that the fraudulent charges be promptly removed from my account, and any associated fees or penalties resulting from this oversight be waived without delay. Furthermore, I expect a formal apology for the inconvenience, frustration, and financial harm caused by this negligence. With this, I am asking for your assistance to remove these fraud items in my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} ; ; XXXX  XXXX XXXX Balance : {$450.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-10-05
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (TX)

On XX/XX/2023, MRSBPO emailed me about an alleged debt in the amount of {$780.00}. I emailed the company back requesting verification and documents under XXXX XXXX. I ask them not to contact me again by email, just by mail. On XX/XX/2023, MRSBPO emailed me again without any verification or any documents I requested triggering a violation of the FDCPA. On XX/XX/XXXX MRSBPO contacted me by phone and I requested them not to contact me again by phone triggering another violation. I also told them not to share my information with any other company. On XX/XX/2023, I received another email about the alleged debt.