davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (AZ)

On or about XXXX i called in and requested the company review my current loan to value and eliminate PMI from my loan. I have made over XXXX in XXXX to the home and the value has gone up greatly. I was told they would review it and get back to me. I received a letter asking for the request to be in writing. They asked that I include the XXXX that have been made, cost of XXXX, and the dates ( although any improvement is obviously since i purchased the property ) and a check for {$190.00} for the XXXX. I wrote a letter that same day providing the work done, cost, and the date of the remodel. All work was done by a licensed XXXX. I followed up on the letter by phone and they asked me to resubmit the work details to include specific dates for each item ( start/ end date ) in a specific format that is a spreadsheet or they will not consider the request. Again the request must be in writing, certified letter, online or fax not allowed. I spoke with them again and tried to escalate and was put on death hold. I contacted them to day and they have again refused to visit my request. 

This is not only costing me money from them every month, but it is delaying a new roof and solar panels I have planned. The company i plan on using to finance the panels and roof will not go behind a loan with PMI. This is costing me about XXXX a month. I have worked with this company prior and have never had an issue. They are stating the " investor '' sets the requirements for what they need to see in order to initiate a PMI removal. I tried to explain that their company policy does not supersede Federal Law, but I dont think they care. I am familiar with the law and they have not sent out any of the required PMI disclosures either. I also note that a number of the other disclosures were missing information. I have not received any notice that my request was approved or denied in the required time frame as well.
Consumer complaint received 2023-10-16
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: CarMax, Inc. (CA)

As a consumer, I did not conduct any of those transactions I did not authorize any of those I demand immediately that those accounts be removed or each account that is reflecting on to my report, I will restart requesting {$1000.00} for each inaccuracy that has been reported onto my consumer report. According to 15 U.S. Code 1681n - Civil liability for willful noncompliance, it states, Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

Inaccurately reporting my private information is against the law under you and this company needs permissible purpose. Attached is proof of the information being inaccurate. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (PA)

On XX/XX/2023 Direct Express let XXXX take XXXX from my account for a year and half while i had no XXXX XXXX to use the XXXX account. i was homeless and on XXXX. i called to find out where the money was going and was asked to provide proof to the bank that i had no way of using the service i was being charged for. i explained imXX/XX/XXXXhomeless and dont even have a place to plug a video console in. I asked XXXX through a call and email to immediatly stop taking the money from my account. they continued to do so for XXXX months in XXXX of 2023 i furnished proof of the emails to the bank showing that XXXX stated they would stop despite still taking money. Direct express uses a joke of a dispute process for thier customers to go through because they profit off sending out new cards. XXXX recently took XXXX from my account unauthorized. I immediatley called on a recorded line so they say. They specifically asked if i wanted my card cancelled i said no and they cancelled it anyway. i was not able to be refunded the money then. they asked if i wanted time to get my last XXXX out then they would cancel it i said yes for sure and they cancelled it anyway. i was told i would be charged XXXX for a new card i was charged XXXX total. i furnished copy of a police report id and an affidavit as they had asked for spoke to numerous supervisors. this happend on the XXXX of the month and i still do not have my money back. how is money federally insured by and through federal benefits and this company gets away with letting people steal from XXXX individuals so they profit.. i would like to know how many new cards they send out a month due to their own purposeful negligent " mistakes ''. THEY then had my card declined while trying to get gas on the XXXX with money in there. that is now conveniently on a hold and my account is XXXX  i have to wait for that is well. why do i have to suffer because of their purposeful negligence? When does it end. where is money?
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion, There is incorrect personal information on my latest credit report that needs to be corrected immediately as its damaging my ability to obtain credit. 

Please see attached : - drivers license - social security card - address - complaint letter
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

A check from me dated XX/XX/XXXX was sent to XXXX by the Bill Pay function of Bank America checking. That physical check was stolen out of XXXX 's mailbox. This check was endorsed clearly incorrectly, yet it was cashed by a check cashing company and then honored by Bank of America. 

I have made numerous, well-documented, attempts to have Bank of America XXXX this matter. They say their people have worked on it. Their last communication to me about this was " As of XX/XX/XXXX, the XXXX XXXX XXXXXXXX XXXX responded that their research is still pending. Any additional updates on the recovery of the payment will communicated here in your Bill Pay correspondence. We appreciate your patience in this matter. " I called Bank of America today, XX/XX/XXXX to make further efforts to resolve this. They say that because the XXXX  XXXX XXXX XXXX has not gotten back with them, there is nothing further that they can do. They did not offer to check on the status of the claim with XXXX  XXXX XXXX XXXX. ( I asked them to but they say this is now pending. ) It is my contention that Bank of America failed to detect clearly fraudulent endorsement. ( The name is not even completely spelled out ). It has been 11 months now since the check was written. My phone calls keep getting passed from person to person at Bank of America and no one takes any initiative to see what the hold up is in getting this matter resolved.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 
XXXX XXXXBalance : {$17000.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX*Balance : {$0.00}
Consumer complaint received 2023-10-16
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: SLM CORPORATION (AL)

I have inquiring showing for XX/XX/2023 that i do not recognize it im currently incarcerated and been incarcarated for 5 years i should not have a inquiry on my credit this is fraudualent
Consumer complaint received 2023-10-16
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. (MA)

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I reviewed my Consumer Reports and noticed that I had an account that was being reported as belonging to me that is not mine. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. THIS IS NOT MY ACCOUNT account : XXXX XXXX : Account Number XXXX Please investigate and provide Proof with statements showing that this account is mine. If proof can't be provided I demand this account be removed from my credit report. Thank you
Consumer complaint received 2023-10-16
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. (MA)

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Consumer complaint received 2023-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX, I found out that there are 2 debt collections and credit card accounts under my credit report which are not mine. So I contacted all XXXX credit bureaus ( XXXX, XXXX and XXXX ) and also all the credit card company and debt collections. The thief used my identity opened accounts : XXXX. XXXX XXXX XXXX : {$610.00}, date opened on XX/XX/XXXX. XXXX. XXXX XXXX XXXX : {$500.00}, date opened on XX/XX/XXXX. XXXX. XXXX 's : {$1300.00}, date opened on XX/XX/XXXX. XXXX. XXXXXXXX XXXX XXXXXXXX : {$610.00}, date opened on XX/XX/XXXX. XXXX. XXXXXXXX XXXX XXXX {$1300.00}, date opened on XX/XX/XXXX. XXXX. XXXXXXXX XXXX : XXXX, date opened on XX/XX/XXXX
Consumer complaint received 2023-01-30
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. (NV)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MA)

On XX/XX/2023 I submitted a payment to Nelnet of {$500.00}, with the selection that the payment be applied to all the loans on file with them proportionally. ( See attachment for confirmation email, note the XXXX ID : ALL ). Instead of doing this Nelnet applied my payment to only XXXX loan Group ID : AA. This means my other loans have accrued interest they should not have. I called and talked to a representative on XX/XX/XXXX who said they could not change it but would put a note in my file requesting a higher up to take a look and change it appropriately. A follow up call on XX/XX/XXXX was told by another representative that that note was still there and no action had been taken. My loan payment has been misapplied causing excess interest and higher payments to accrue. 

In addition to this Nelnet also changed the due date for XXXX of my loans ( XXXX ID : XXXX ) from the XXXX of the month to the XXXX of the month, misaligning it with my other loans. This was done with no notification to me and not at my request. The loans have always been due on the same day as each other for the life of the loans. I requested this XXXX loan to be changed back to the XXXX of the month to match what it and the other loans has always been and this has been ignored. There was no communication from Nelnet that this was going to change and they have not changed it back.
Consumer complaint received 2023-02-25
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. (PA)

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  XXXX # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXXXXXX 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
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the credit reporting act this creditor has violated my rights. Under 15Usc1681 sec 602 states I have the rights to privacy, 15usc1681 sec 604a sec 2 a consumer reporting agency can not furnish an account without my written instructions. under 15usc1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX : XXXX 30 days late XXXX date : unknown used card once 30 days late XXXX XXXX XXXX : XX/XX/XXXX 30 days late
Consumer complaint received 2023-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Albert Corporation (AZ)

I sent money from my checking account via an app called Albert on XXXX, it failed on XXXX  side and it was apparently voided. Albert said theyre looking into it and it shouldnt take more than 3 business days. Its now the third business and Ive heard nothing from Albert, I called XXXX  and the nice lady sent me an email to send to Albert
Consumer complaint received 2023-10-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Automated Collection Services, Inc. (WY)

Collection Company : XXXX Dates : XX/XX/XXXX - Present In XXXX I went to the hospital and my mom had submitted my insurance. From then I never heard anything from the hospital trying to contact me about the bill, nor did they tell me they had sent me to collections. The only way I found out I had been sent to collections is when I tried to buy a car and the dealership ran my credit and told me I had a collection company trying to collect a debt in my name. If I hadn't try to buy the car I would have never known. 

So, I called the collection company and set up a conference call with my uncle where we agreed on a payment plan of {$58.00} until my total EST amount of ( {$1200.00} ) was paid. I have since learned that I have actually been paying more interest than principle on the debt. They have been allowing me to pay $ XXXX while charging me {$97.00} ( 7 % ) /month. 

I have since called the hospital and paid a settlement fee of {$390.00} on an existing bill to stop the interest on my account in collections and instead pay {$1200.00} to the hospital. 

The problem I'm having was that when I contacted my bank to get my account statements, they tracked my first payment to XX/XX/XXXX. By doing the calculation of {$58.00} x 27 ( months ) = {$1500.00} I should have already paid off my debt. My bill is now estimated at {$1600.00} dollars with the collection company. It has gone up and I've paid over the amount owed. 

IM GOING TO PAY OFF MY {$24000.00} car before I pay off a {$1200.00} debt if they continue to do this to me. 

The hospital told me these people are '' nasty '' and the hardest to work with. I have been getting taken advantage of and really need help with them lying and saying there was no interest and not notifying me of being sent to collections.
Consumer complaint received 2023-06-17
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: Experian Information Solutions Inc. (AL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2019-05-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (NC)

On XX/XX/19 I sent a letter to Receivable Performance ( tracking XXXX XXXX XXXX XXXX XXXX ) requesting validation of the debt they are reporting on my credit profile. As of today, I have not received the documents. and they are still reporting to the credit bureaus. This is a violation of the fdpca.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

On the date I initially reached out to this agency via certified mail, I informed them of my identity theft victim status. However, as of todays date, this agency continues to include information in my credit report that stems from this identity theft incident. According to Section 605B, titled " Block of Information Resulting From Identity Theft, '' consumer reporting agencies are obligated to alert the sources of this information, such as financial institutions, about the potential origin of the information being identity theft, and to inform them that an identity theft report has been filed. I have provided this agency with FTC report numbers XXXX, XXXX, XXXX, XXXX along with a formally requested block. Following such notification, Section 623 ( a ) ( 6 ) requires the sources of information to cease reporting any data in a consumers file that the consumer has identified as resulting from identity theft. This cessation must occur no later than 4 business days after the agency receives : ( 1 ) adequate proof of the consumer 's identity ; ( 2 ) a copy of the identity theft report ; ( 3 ) the consumer 's identification of the disputed information; and ( 4 ) a declaration by the consumer that the information is unrelated to any transactions made by them. 
I have satisfied all these stipulations, and evidence supporting this claim will accompany this complaint. Despite fulfilling these requirements, this agency has not adhered to the requirement set forth by the FCRA 15 U.S. Code 1681c2 to block the reporting of the information I identified as arising from identity theft within the specified 4 business days following your receipt of the necessary documentation. This failure constitutes a violation of the law and makes this agency civilly liable for willful non-compliance, including any actual damages I have suffered as a result of this failure, in accordance with 15 U.S. Code 1681n.
Consumer complaint received 2023-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

VERIFY THE INFORMATION OF THESE ACCOUNTS THAT ARE INCORRECT AND REMOVE THEM FROM MY REPORT, THESE INQUIRIES ARE NOT MINE ALSO. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-12
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. (IL)

Please find letter dated XX/XX/XXXX, from XXXX XXXX for the amount of {$260.00}, Please find my dispute letter sent to them by certified mail and dated XXXX.which they never responded, the debt was never verified.I then disputed this debt with Equifax, please find  attached letter sent by certified letter dated XX/XX/XXXX, outlining the reasons that this debt was never verfield. Please see Complaint number XXXX for XXXX.