davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-06
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)

In accordance to Fair Credit Reporting Act, this creditor, XXXX XXXX XXXX XXXX has violated my rights under 15USC1681-SECTION 602 which states that I have the right to privacy.

Under 15USC1681-604A SECTION 2, it states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC1666B it also states a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

For these reasons, I am requesting the late payments be removed from my credit report across all 3 bureaus.
Consumer complaint received 2023-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

I am writing to formally file a complaint against RBFC Bank regarding the mishandling of my personal account ( Account Number : XXXX ). The circumstances surrounding this complaint involve unauthorized stop payments, associated fees, the loss of critical services, and the bank 's failure to address the issue promptly and adequately. 

I. BACKGROUND : On XX/XX/2023, I contacted RBFC Bank 's Asset Protection to report fraudulent activity on my personal account. I was informed by the fraud department that a stop payment was supposed to be executed solely for the fraudulent transaction in question. 

Contrary to the information provided by the fraud department, on XX/XX/2023, I discovered that RBFC Bank had initiated stop payments for all transactions linked to my personal account, not just the fraudulent one. Furthermore, the bank charged me fees for these unauthorized stop payments, of which I was neither informed nor had provided consent. 

II. DAMAGES INCURRED : As a direct consequence of RBFC Bank 's actions, I am now unable to write checks to utility companies, pay fees associated with other bills, and make my mortgage payment without incurring additional fees and restrictions. I now have to use secure certified funds for payments which makes matters worse. 

On XX/XX/2023, a customer service representative acknowledged the error and apologized and stated it should have only been stop payment toward the fraudulent purchase I reported and not all transactions entering and leaving account. They also turned off my debit card which caused sever conveinience as not only i had to wait for another debit card, I had to contact vendors i owed financial obligations to to explain, cancel card as payment and assign another card. All while I had no other card to assign while awaiting for the new card. I did not request a new card. Now they have me two personal accounts open. No new card for my original account, due to ADA disabilities its confusing to keep up with. The bank is unresponsive f providing documentation to acknowledge the error. I wish to seek out another bank for services. The representative mentioned that there should have been only a notice in my account highlighting the fraudulent activity and associated vendors. Additionally, the bank issued another card without my request and opened another account, which has caused restrictions and issues with multiple vendors, including XXXX. This isn't including all fess they charge for overdraft when you are acting as fudiciary of my account and should not be charging these. I am no longer authorized to use checking account or card information for payment as well.
Consumer complaint received 2023-11-03
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 


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 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 


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 2024-04-18
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. (NJ)

My information was disclosed to a third party without my permissible purpose! 

As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, XXXX XXXX, may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Consumer complaint received 2024-03-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Momnt Technologies, Inc. (NM)

On XXXX we entered into a contract with Renewal by XXXX local New Mexico installer ( XXXX XXXX ) for replacement patio doors in the amount of {$47000.00} ( subsequently revised to {$37000.00} ), with financing provided by Momnt ( XXXX XXXX XXXX XXXX XXXX, XXXX. In XXXX, 2024 we became aware that the installer did not hold a valid contractors license, had numerous lawsuits against it and had ceased operations. We immediately notified Momnt and requested cancellation of the promissory note and return of {$4000.00} advance payments on the note. Momnt has refused.

We believe Momnts practices were predatory and as they failed to monitor its business relationship with the installer and knew or should have known that the installer was not authorized to enter into this financing arrangement with us.We have received no products or services and have been notified that we are obligated for the full amount of {$47000.00}.
Consumer complaint received 2024-05-15
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Banks and other providers are able to tell you your transfer is free, has a low upfront fee or is 0 % commission. In reality, they hide the real cost in inflated exchange rates. Thats when your provider adds a markup to the mid-market rate youd see on XXXX, giving you a worse deal. Those hidden fees are costing us all a fortune. In 2024, were expected to lose over XXXX XXXX in inflated exchange rates. Please make these providers stop this dishonest practice, and hold banks and other providers accountable.
Consumer complaint received 2023-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (OH)

My loan was sold to the current servicer SN Servicing on XX/XX/XXXX. Before the loan was sold, I had entered into a COVID forbearance with the prior servicer XXXX XXXX. I called XXXX XXXX and informed them that I had XXXX. The representative explained to me that I was eligible, and the phone call was all that was needed to enroll in the program. XXXX XXXX representative also said that the program is good for one year however, I have to call in every three months to see if I still needed the coverage, and at that point I could extend for another three months. I agreed, I was now enrolled in the program from XXXX thru XXXX. 

On XXXX XXXX SN Servicing purchased my loan. I then began to get phone calls and letters from SN Servicing informing me that they had purchased my loan and that I was due for payments. I told XXXX the 1st representative that I made contact with that I was on a forbearance from my former servicer. I told him that it was a federal program and that my old investor was XXXX XXXX, and the old servicer was XXXX XXXX, and asked them to honor the forbearance. I asked if they had any kind of program ( s ) that could help but he said they had nothing and that he would get back to me, he never did. I then began to deal with XXXX, and she also stated that they did not have anything but, referred me to the local agencies and also said " Those COVID programs should be abolished ''. I was also informed that the new investor XXXX XXXX XXXX was not a government backed investor, so they did not have to abide by the previous agreement which was set in place by XXXX XXXX. 

I sent the agreement from XXXX XXXX to XXXX at SN Servicing on XXXX XXXX in hopes that they would honor the agreement but, I have not heard from SN Serving currently. At this point my home is up for foreclosure and I am at my whit 's end and do not know what to do since I have only been given a foreclosure notice and no other correspondence. 

So, at this juncture I am asking that they uphold the agreement that was in place with XXXX XXXX until XXXX ( if needed ). I have lXXXX XXXX so I am still recovering at present. I would also like the foreclosure to be stopped immediately since this undue stress is detrimental to my recovery. I am working hard to get well and hopefully this stressor can be alleviated so that can have a full recovery and begin to make payments again.
Consumer complaint received 2024-04-18
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. (AL)

To : XXXX XXXX XXXX, agents, representatives, & employees I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g and 15 USC 1681 ( e ) B. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT.

VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND EQUIFAX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. 
This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
The original creditor is in noncompliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. This notice makes you are and you are an accomplice.

I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 
Sincerely, XXXX XXXX I have requested a XXXX form showing cancellation of debt that I have not received. This company also shared my personal information with a third party repossession company without my consent which is illegal according to 15 USC 1681a-2. According to NMLS Consumer Access, this company is not licensed to collect debt in my state or state of residence.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

I was waiting on a debit card for about Eight months ago From my Chime account I was sent via email from Chime and through phone. I was contacted by people claiming to be chime agents to help me with my debit card process I received a email from Chime stating the day I will receive my new debit card Unfortunately I didn't realize they were scamming my bank account with a app called anydesk and while I was working i never noticed my account was completely withdrawn to nothing and I never received any notifications from Chime about my account activity getting withdrawn in one day so fast until the next night out from work realizing I have no money for my bills or to eat I had to call Chime and i made a dispute with Chime cause the XXXXXXXX XXXX XXXX XXXX. which stated card holders will not be responsible for unauthorized charges i also gave the Dispute agent at Chime the police report and number also The FTC report and number. & attached the evidence of the email and phone numbers they used and sent to me and the transactions of the total of my account which was withdrawn so Chime can start a thorough investigation like they told me. Chime sent me a email the next day with no thorough investigation stating after investigation with partners no errors had been made on your account you will not be refunded any refunds. I also requested the documents used for the investigation and they just sent me a screenshot of the bank statements I emailed to Chime for the investigation. help best regards
Consumer complaint received 2018-07-07
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. (AZ)

I have been in contact with equifax trying to get the inquiry XXXX from XX/XX/XXXX, off of my credit report. I DID NOT EVER AUTHORIZE permission for the said company to pull my credit. I won't this to be removed as ensured by federal law. Also at this time I'm also seeing a new inquiry listed as XXXX inquiry date XX/XX/XXXX from business type Miscellaneous Reptg. Agenciesthis was not on my report two weeks ago and is damaging my report. Why all of a sudden is this XX/XX/XXXX inquiry effecting me? This goes against federal law FCRA. There is no contact information provided for this frivolous inquiry. And I never ever received a letter for this as well. 
XXXX XXXX XXXX  has removed this inquiry from my XXXX report and I demand it to also be removed from Equifax immediately per FCRA. I also want validity and verification of the other mentioned inquiry and I want it removed. I Do not want to be forced to bring a small claims suit for restitution on this matter but will.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

On XX/XX/XXXX  I filed Bankruptcy. I have notified TransUnion but they continue to report collection accounts that are included in this bankruptcy. I submitted a dispute XX/XX/XXXX  and also uploaded the bankruptcy court documents for them to verify. Yet they refuse to follow federal law on bankruptcy automatic stay and failing to update the balance to report the bankruptcy. They also stop you from trying to dispute it again since they only take the " Verified Information '' from the creditor. To sidestep the federal protection and blatant disregard for Bankruptcy court system in an illegal attempt to collect on debts that are included in Bankruptcy.
Consumer complaint received 2021-01-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (OH)

This is a fraudulent debt, the company refuses to remove it off of all credit reports. Ive had a credit debt agency investigate and paid lots of money, submitted all legal documents and its still not removed. This company is violating Federal laws.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (SC)

Navy Federal contacted on XX/XX/XXXX in regard to a Debit card fraud claim. On XX/XX/XXXX, less than a week later, the claim was determined that no errors had occurred/ denied. 

On XX/XX/XXXX, I promptly requested to appeal that decision as in my opinion my the proper amount of attention had not been given to the claim.

To date, I have reached out to Navy Federal on two occasions since the appeal, only to receive formal notification that my claim will be handled in the the order in which it was received. I have not been able to receive any specific around the case- notes attached to the file or nir a reasonable timeframe I can expect a determination. 

I am requesting : - a copy of all evidence used to deny the claim initially - a detailed determination of the appeal - concessions for the inconvenience that has been caused by breach of contract in the credit unions inability to properly secure my funds, financial hardship incurred as a result of that breach and all cost recompensed with interest.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MO)

I have sent several letters and filed several complaints about two XXXX  XXXX accounts XXXX ) XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX that Experian is reporting inaccurately on my credit report. I requested several times that they do a reinvestigation and asked that the results are sent to me in the mail and its been several months I have not received anything regarding my reinvestigation in the mail. I am attaching a copy of my letter as well as a copy of my drivers license, social security card and my utility bill for proof of residence.
Consumer complaint received 2024-05-27
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: EQUIFAX, INC. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 2018-07-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

On XX/XX/2018 a dispute letter was received by Rushmore Loan Management Services in regards to the reporting on my credit reports. I had ask for evidence of there authorization under 15 USC 1692 ( e ) and 15 1692 ( f ) also authorization of law for there collection information also evidence of there authorization to do business or operate in the state of Florida also proof of the  debit that they say I owe with my signature and lastly proof of a complete history including any charges added for collection activity that arrived to the balance that I owe. I received A response on XX/XX/2018. Under the Fair Credit Act, you must respond by 30 calendar days.I then responded to there response that they receive on XX/XX/2018 and got a response onXX/XX/2018, which they stated they have 30 business day to respond which is incorrect by the Fair Credit Act. They must follow and abide all rules on the Fair Credit Act and must remove the debit because they did not respond in a timely manner.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one has made Inaccurate Information on my report, Per FCRA all information must me correctly as this is fraud and someone opened an account. I have tried to assessed this issued and nothing has been done. My lawyer will reach out and file the necessary suits for violations.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file.