davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 
PRIVACY ACT 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( XXXX ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: REGIONS FINANCIAL CORPORATION (FL)

Excerpts from the letter that I sent to the corporation 's CEO on XX/XX/XXXX : Ive had a Regions credit card for several years. In XXXX I received an email ( see attached ) that simply states my rewards balance and that the rewards are good for at least 48 months. This is the first correspondence I have received from Regions in at least two years, maybe since my card application. 

Several weeks ago my wife and I opened a Regions checking account, I tried to fund it with my card. It was declined, I didn't think much about it because I haven't used the card in a very long time. Last Friday, XX/XX/XXXX, we visited our local Regions bank in XXXX XXXX XXXX, Florida to finish actions on our checking account that I wasn't able to do online. While with the representative, XXXX, I asked about my credit card and my point balance. He told me that he would check on it and get back to me. After not hearing anything by Thursday, XX/XX/XXXX, I called XXXX. He had to check with the Credit Card Department and call me back, which he did. He informed me that my card had been cancelled in XXXX and that my rewards were no longer valid. 

I never received any notification of intent to close my credit card account. I was never given an opportunity to redeem my rewards before the account was closed. This action seems deviously intended to take my credit card rewards points without alerting me. 

The corporation never responded to my letter. I then reached out to my Congressman who advised coming to the CFPB. In a nutshell, they clearly advised me at the beginning of this year of my rewards balance and its sanctity for several more years, than subsequently took it away without any notice or explanation.
Consumer complaint received 2024-03-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (WA)

My income driven repayment application ( IDR ) was submitted through XXXX in XXXX of XXXX. A few months later, it appeared to still not be processed so I called MOHELA in XXXX of XXXX to see what could be done and was put on deferment while they attempted to resolve the issue. In XX/XX/XXXX my payments resumed but were not adjusted for income driven repayment. I called MOHELA again ( XX/XX/XXXX ) and was told it would be fixed this time. They placed me on deferment again. I called on XX/XX/XXXX and was once again offered deferment while they reprocess my XXXX application. I asked why it has not been processed and what information MOHELA was missing or what action was being taken to fix the issue. They said not to worry, it was just a mistake on their end. I asked for written documentation showing what had been discussed on this call and the reason they believed my application had not been processed. They said they would try but the message might not come through so to call back in a few days if it was not received. Days later, I have not received any of this requested information. I did however receive a message through the MOHELA system that my repayment terms had been updated on XX/XX/XXXX to put me in the LEVEL plan. This is the same plan they have had me in since payments resumed post-XXXX  and is NOT an income driven repayment plan. I can not afford the {$1700.00} + a month payment they are requesting and there is no reason that I shouldn't be able to be placed under income driven repayment.
Consumer complaint received 2024-03-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My partner was checking my credit report because we are trying to get a mortgage loan. 
on my credit report it showed a loan for XXXX that was not mine. 
I called bank of America on XX/XX/year> XXXX Talked to XXXX from texas employee ID # XXXX, I told XXXX about this loan that was mistakenly put in my name and she transferred me to the fraud department. 

I then talked to XXXX employee ID # XXXX. 
He informed me that there was a loan in my name. and asked if i would like a copy of the promissory note. I said yes and he sent me a digital copy. this note has my name nowhere on the document. This home that was purchased was also in XXXX XXXX which I told XXXX that I do not own this house and I live on the other side of the country. He agreed that this couldn't be me and also that it was suspicious. he create a fraud case for me. 
I gave XXXX my first and last name and contact information XXXX was able to give me the information on the loan and who it came from. 
XXXX XXXX who died and was given over to XXXX XXXX in Rode Island. 
he create a fraud case for me. Fraud # XXXX. 
I gave them my Social Security Number to prove it wasn't me and also my XXXX XXXX to send me information I was then informed to wait for a call 24-48 hours from creating this case. I received no call. 
I was given a phone number to call back. XXXX. 

XXXX I called this number again on to see if there was an update and the rep couldn't find my fraud case number. I updated them again on the loan information. from above and now I was told it could be longer for the case to be finished. 

XXXX Called again Gave them po box again Phone Number again SSN again First and Last Name again They informed me that it will take some time and somebody will contact me. 

XXXX received the physical copy of the promissory note. 

This company is not doing this investigation in a timely manner, they are not contacting me at all regarding this investigation. 
please help me fix this problem I am try to get a home loan and this issue is delaying the progress. 

Could you please investigate this. I need written verification that this is fraud, and that it will be removed from all three credit reporting agencies immediately. this is preventing me from purchasing a new home. This is not OK.
Consumer complaint received 2023-12-14
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)

My information was combined with a person of similar name. I originally called TransUnion in early XXXX identifying the issue and sent requested information, on XX/XX/XXXX, and was told the account dispute would be escalated. Over the last 3 months instead of fixing the issue they have instead slowly replaced my information with the original information leaving me with a sunk credit score and incorrect information. Every time I call to try and figure out what is going on I am guided to restart the dispute claim and another minor detail on the credit report is edited to match my own.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed my credit reports and found that there are inaccuracies in the reporting of late payments. Specifically, I observed that you have reported late payments for the following date : XXXXXXXX  under the account name XXXX XXXX XXXX  with the account number XXXX I request that you promptly update these late payments to reflect their accurate status as " PAID AS AGREED. '' It is crucial that this information is rectified as soon as possible, as it is adversely affecting my ability to pursue the purchase of a new home. 

Your immediate attention to this matter is greatly appreciated. Please confirm once the necessary amendments have been made. 

Thank you for your prompt action in resolving this issue.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (IL)

Unauthorized Personal Information Disclosure : The disclosure of my personal information to credit reporting bureaus without my explicit consent may violate the FCRA, the Privacy Act of 1974, CFR Title 16, Part 313, and the UCC 's consent mandates.

Discharged Debts Still in Collections : The continued collection efforts on discharged debts represent a breach of the FDCPA, UCC Section 9-607, underscoring the need for accuracy in debt collection practices.

Misrepresentation by Debt Collectors : Misrepresentation regarding debt collector identity and debt nature directly violates the FDCPA, UCC Section 1-202, requiring transparent and accurate debt collection practices.

Lack of Clear Opt-Out Notice : Failure to receive a clear opt-out notice for the use of my personal information breaches the FCRA, CFR Title 16, Part 313, and the UCC 's consumer information protection requirements.

Failure to appropriately credit my account with dividend payments made off treasury coupon nor certificates of indebtedness due following a charge-off, which constitutes an error under the Electronic Fund Transfer Act ( EFTA ) , 15 U.S.C. 1693-1693r, and its implementing Regulation E, 12 CFR Part 1005. This notice is to inform you that the anticipated adjustment through certificates of indebtedness has not been processed correctly, adversely affecting my account balance and my rights under the EFTA.
Consumer complaint received 2019-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/19 I deposited my paycheck of {$1200.00} into my Bank of America checking account. As always, they held my check and gave me {$200.00} of it. This morning on XXXX my account was negative {$200.00} and they froze my check for absolutely no reason and now I have XXXX money to survive.
Consumer complaint received 2024-03-27
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 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 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 2023-12-14
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. (CT)

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. 

Account Name : XXXX  Account XXXX Account Name XXXX XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 2024-07-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Berlin-Wheeler, Inc. (Kansas) (CA)

in XX/XX/XXXX we moved, we had XXXX XXXX come and pick up all of their equipment. We ha XXXX XXXX XXXX. XXXX came out and took down everything and collected it all. Since he was from the XXXX XXXX dept and not internet he called them to inform that dept he had the XXXX equipment. as XXXX He supplied us with a receipt which I have sent to XXXX XXXX every month since XXXX of XXXX when they started harassing us. in XXXX XXXX XXXXXXXX they sold the account to XXXX XXXX even tho there is nothing due.
Consumer complaint received 2023-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent disputes on XXXX XXXX and today XX/XX/XXXX to XXXXXXXX XXXX and transunion. They have no fixed any of the errors on my report. There are multiple errors with each account and need to be deleted. Most of the creditors have no even entered a notice of dispute. They havent touched the accounts. I want an actual investigation into accounts.
Consumer complaint received 2023-06-06
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. (AR)

When I investigated my credit report, I realized that some of the information are erroneous. Equifax is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please correct the unverifiable accounts below : DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$5100.00} ; DEPT OF ED / XXXX XXX Opened XXXX XXXX XXXX Balance {$4500.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXXXXXX XXXX  Balance {$2200.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX XXXX Balance {$4900.00}.
Consumer complaint received 2024-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (SC)

Pursuant to the Fair Debt Collection Practices Act ( 15 USC 1692g ), I am exercising my right to dispute the validity of the debt.

1. 12 CFR 1006.34 ( b ) ( 5 ) - This regulation requires debt collectors to provide consumers with accurate information regarding the debt, including the amount owed and the identity of the original creditor. I request that you provide clear and accurate information regarding the debt in question. 
2. 12 CFR 1006.34 ( c ) ( 4 ) ( I ) - This regulation prohibits deceptive or misleading representations by debt collectors. I request that you refrain from any deceptive or misleading practices in your attempts to collect this debt.

3. 12 CFR 1006.34 ( d ) - This regulation mandates that debt collectors provide consumers with written notification of their rights under the Fair Debt Collection Practices Act. If you believe I received proper written notification of at least 5 days, then I am requesting that you please provide me with the certified receipt with my name and signature making me aware of this debt by written notification as required by law before it appears on my credit report. 
4. 15 USC 1681-S 2 ( 7 ) ( A ) - This section of the Fair Credit Reporting Act requires that debt collectors provide accurate and complete information to credit reporting agencies. I request that you ensure any information you report to credit bureaus is accurate and complete. 
I expect a response to this dispute within 30 days as required by law. During this time, I request that you cease and desist all collection activities until the validity of the debt has been verified and provided to me in writing. I am revoking all rights of communication via email, text, or call.
Consumer complaint received 2023-08-14
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. (GA)

This is my 13th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-27
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. (PA)

Keeping up with timely payments has been a priority for me on this account, preventing any instances of overdue payments. I'm perplexed by the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, necessary corrections should be implemented.
Consumer complaint received 2023-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Trying to buy a car and house. There are numerous negative accounts on my credit that is damaging my application in which according to 15 US Code 1681 nothing on my credit should be damaging to me personally.
Consumer complaint received 2024-03-27
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. (FL)

IN ACCORDANCE WHITH THE FAIR CREDIT REPORTING ACT XXXX XXXX, ACCOUNT # XXXX, HAS VIOLATE MY RIGTHS. 

15 U.S.C 1681 SECTION 602 A SECTION 2 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 2024-07-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (GA)

I originally filed a dispute stating that I did not receive any notification from the debt collector, and requested a receipt with my signature showing that I was notified of this debt by the debt collector. After the company 's response, and further research, I was made aware by the original company for the debt XXXX XXXX that the debt was for unreturned equipment, and a service fee. At this time, the equipment has been returned to XXXX XXXX, as well as the service fee of {$300.00} has been paid in full to XXXX XXXX. I do not owe the debt collector requesting payment, and I request that the negative item be removed from all 3 credit reporting agencies immediately. I have linked the letter of good standing with XXXX XXXX.
Consumer complaint received 2023-12-14
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. (FL)

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. 

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 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.