davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
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. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc. (MI)

Through XXXX XXXX XXXX - their XXXX XXXX sent me a bill for service in XX/XX/XXXX. I paid that bill upon receipt. They sent me a bill in XXXX saying it was outstanding, I called to confirmed I paid and they said yes my account just wasn't updated. This happened again in XX/XX/XXXX with a similar call and then in the beginning of XXXX XXXX I called again to inquire why my account wasnt being updated and they said they would fix it. 2 weeks later I received a text from a collection group Nationwide Credit & Collection and they were taking over my account. I called the XXXX XXXX billing group again and said they would correct the issue, a week has passed and they sent me a new bill.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-23
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (MO)

I'VE MADE MANY ATTESTIONS TO GET IN TOUCH WITH NEW YORK AND COMPANY ON A PURCHASE I HAVEN'T RECEIVED. I've called them multiple times and even sent them emails, but they haven't responded. I've also returned an item, but my credit card hasn't been credited for the return. NEVER DOES ANYONE ANSWER THEIR PHONE. I never received the item for which they are billing me.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I received a text message with a screenshot of my personal account bank statement from my business partner asking about my personal account funds and then I came to realized that my business partner had access to my personal account for almost over 8 months without any of my authorization. 
In XX/XX/XXXX when my business partner joined the business we went to the bank and gave him access to our business account, but somehow he was was able to switch user online into my personal account and had access to all my personal finances through his personal devices. This is unacceptable and a huge privacy problem and right now my business partnership is at risk due access to unauthorized information that my partner had access to. 
Institution : Truist Bank XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (FL)

army and air force military STAR card, a US government credit card, refuses to accurately and timely report my proper on time payments to the credit bureaus, especially XXXX. this is a violation of the law and FCRA. I have made massive payments on my military STAR card through army and air force exchange service and you are screwing my credit report and score because of your neglect and incompetence, and keeping my score so artificially low I cant obtain an apartment or a credit card or a mortgage. STOP THIS IMMEDIATELY ( NOT THIRTY DAYS FROM NOW ) and immediately report my proper amounts payments and balances to all three credit bureaus especially XXXX. AAFES STAR CARD hasn't reported my on time payments and lower balance to XXXX credit bureau since XXXX.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened CFPB case XXXX, however I noticed that there has been no response and they allowed one charge from XXXX  to go through despite the fact that I had locked the card. They further used this as opportunity to again charge very high interest rate contrary to the relief they proposed.
Consumer complaint received 2024-01-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (TX)

I have auto pay scheduled beginning in XXXX. XXXX I get a note stating payment was due and the auto pay was not scheduled. I believe this is an attempt by CPS to extract late payments from consumers. They could not provide me with proof as to why the auto pays were removed. I have proof they were scheduled.
Consumer complaint received 2024-04-19
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. (NC)

As a federally protected consumer under the Fair Credit Reporting Act, I am reporting numerous violations of the law by XXXX XXXX  XXXX  and all three major credit bureaus ( XXXX, XXXX, and Transunion ). Not only has my nonpublic information been unlawfully reported by XXXX to each bureau against my written instruction, but the information reported includes numerous inaccuracies that require correction. The Privacy Act of 1974 and 15 USC 1681 ( a ) ( 4 ) both require that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Furthermore, according to 15 USC 1681b, any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have not given any instruction to the bureaus to report my nonpublic information. On the contrary, I have exercised my continuing right to opt out of any sharing of my nonpublic information per 16 CFR 313.7 that states a consumer may exercise the right to opt out at any time by mailing an opt out notice to the creditor ( see attached letter sent to XXXX on XX/XX/XXXX of XXXX ). XXXX did not honor my notice when they reported past due payments and an account closure for my XXXX XXXX XXXX. According to 15 USC 1681a ( 2 ) ( A ) ( i ) consumer reports can not lawfully contain information regarding the transactions between the consumer and the person making the report. 15 USC 1681c prohibits the reporting of any adverse items of information ; as such, derogatory reports like late payments, delinquencies, and account closures are in direct violation of the law. Furthermore, all three bureaus list my account as 120 days past due when, according to 15 USC 1666b ( a ), a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Both 15 USC 1681 ( a ) and 15 USC 1681e require consumer reporting agencies to ensure the accuracy of the information they report, and there are numerous discrepancies and inaccuracies between the three bureaus reporting on this account. XXXX reports an account balance of {$16000.00} in XX/XX/XXXX while Transunion reports {$12000.00}. XXXX also reports scheduled payments of {$170.00} for XX/XX/XXXX and {$470.00} for XX/XX/XXXX while Transunion reports {$140.00} and {$340.00}, respectively. XXXX and XXXX show the date of first delinquency as XX/XX/XXXX while Transunion shows XX/XX/XXXX. Transunion reports a past due amount of {$0.00} for XX/XX/XXXX, while XXXX reports {$1700.00}. XXXX shows the account was closed in XX/XX/XXXX, while Transunion and XXXX both report it closing in XX/XX/XXXX. None of the bureaus report this card as Charged Off, and it has been charged off since XX/XX/XXXX.
Consumer complaint received 2024-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Army and Air Force Exchange Service (FL)

I recieved a letter from us department of the treasury, stating that XXXX was taken out of my social security payment to pay a Army and Air Force Exchange debt from XXXX. 
This is being collected by a company called XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, U.S.A. 
This was a complete surprise, There were no notifications of judgements or any other notifications. Additionally, this collection is far past the statute of limitations, and AAFES was part of a bankruptcy discharge in XXXX.
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

My information was sold and bought illegally because I was a victim of the XXXX data breach I want these items deleted from my credit reports effective immediately I'm attaching proof to XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing please help me delete these illegal accounts from my credit reports
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX has ruined my credit, please help me. 
My original mortgage company sold our mortgage to XXXXXXXX XXXX which was the beginning of this nightmare. I kept making my payments timely via auto debt, they kept returning them, I have all the banking documents to prove it, then they reported me to all the credit bureaus, kept trying to charge me fraudulent late fees, when all along returning my payments that I kept making in a timely manner. They kept sending me letters at home harassing me telling me that I didn't have sufficient home insurance, telling me purchase insurance from them or they would drop me for insufficient home insurance, threatening to take me to collection. it's been 1 thing another, told me I have to pay late fees although my checks were sent in timely manner but returned by them. They tried to pull my mortgage payment from my bank from some random account which my bank denied, they tried to charge me with late payment for that too. After spending endless amount of time with their incompetent customer service department they told me to pay all the late fees to stop them from further reporting me to credit bureaus, then they'll refund me all the late fees. Please help me as they are refusing take back the derogatory credit reporting, holding me liable to delinquencies. 
Never before in my life have not paid my mortgage payment on time in 30 years of my credit history, I have always paid XXXX XXXX  well over the amount due monthly for my mortgage payment until this terrible nightmare began. Please help me
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I have sent multiple affidavits to let this company know, I don't owe them anything and that we have no contract together.

Per the FCRA as a Federally protected consumer. I am now opting out of any and all authorizations, I the consumer may have given written unwritten, verbal and non-verbal. 15 USC 6802 -6805. Effective immediately and indefinitely.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (WA)

Citibank said process of returning funds to the issuing bank only takes 2 weeks but its been couple months they havent returned the funds that I deposited to them they refused to release it to me, and they said theyll return that to the issuer but until now theyre holding my money which is the {$1700.00}. The last email they sent me they said they dont have update, I responded to their email but they havent responded. Its very frustrating theyve been lying to me and not resolving the issue. this happened since XX/XX/2023 and until now they havent returned my money. Ive been contacting the issuer if they receive the funds but still no.
Consumer complaint received 2024-01-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (NV)

Date of car pay off : XX/XX/XXXX. Name of auto : XXXX XXXX XXXX Name of lender : American Honda financial center. Amount Paid : {$31000.00} Based on dmv website, after pay off the loan, the lien holder must notify that dmv about the lien holder financial satisfaction so that the dmv will process the title on our names and they need to do it on their website connected to dmv because Nevada is electronically filing. Once dmv received the update info, the dmv will automatically send the title to us. But until now ( XXXX XXXX ) they never update the dmv about the full payment and they dont want to give us a lien released letter and a letter tells that they are no longer interested ( with full description and vin no of the car, and with their name and signature of a lien holder ). They said that they are waiting for a title before they can release it. The thing is how the dmv will process it if they did not notify the dmv that the loan is paid off. They are not updating the dmv for the pay off and dont want to issue a lien released letter with notarized.
Consumer complaint received 2024-04-19
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Consumer complaint received 2024-01-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (FL)

XXXX XXXX a VA loan buyer wanted to assume the loan and made earnest payment -numerous calls to freedom mortgage from XX/XX/19 to XX/XX/XXXX requesting information, how to fill out packets, how to start the assumption process, how to fill out paperwork, I asked for check lists and examples, company continued to not answer and only sent a single page request form. weeks into the process the company said the the information on the one page was not good enough and we had to start over -late XXXX ( roughly XXXX ) I had three way call with buyer and mortgage company, set a date of XX/XX/XXXX for him to meet with a loan processor -XXXX  XXXX a assumption packet was allegedly mailed to buyer, no tracking number provided -XXXX XXXX- company says that window to apply for loan has closed, we convinced them to mail another packet -XXXX XXXX second packet was allegedly delivered, no tracking number, packet was never delivered -XXXX XXXX I called company to escalate, no one would escalate call to managers, assumptions team would not talk to me, loss mitigation team was able to take call but did not have any informatino -XXXX  XXXX I talked to assumption team, they said on the XXXX and XXXX of XXXX an email with e sign docs was sent to buyer. This contradicts information about a mailed packet. they confirmed email. I spoke with my agent and she said the buyer has received no emails or mail from freedom mortgage.
Consumer complaint received 2024-01-22
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (NC)

I submitted two payments to Freedom Mortgage on XX/XX/XXXX. I originally submitted a payment for {$1100.00}, but cancelled it once I realized it was for the incorrect amount. I submitted a new request for {$1800.00}, which was the correct amount for my monthly payment ( see attached e-mail confirmation from Freedom Mortgage ). Freedom Mortgage also verified that. ( see attached documentation ) On XX/XX/XXXX, I noticed the mortgage payment had not been deducted from my bank account. I immediately called Freedom Mortgage and made the XXXX payment over the phone, which I thought was paid on XX/XX/XXXX when I received the e-mail confirmation that it had been submitted. I had no reason to think it had not been processed as normal. Freedom Mortgage has admitted that the payment I submitted on XX/XX/XXXX was not processed for whatever reason. I made the payment on XX/XX/XXXX and it's out my control that it wasn't processed. Freedom Mortgage is failing to take ownership that it's their responsibility to ensure payments get processed when a customer submits them on their website. They are refusing to update the credit bureaus due to a glitch on their end with processing my payment.
Consumer complaint received 2024-04-19
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. (CA)

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts 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  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

They have been prejudice towards me judging me off of data collected from other credit, reporting agencies, 15 USC 6802, 15 USC 6803, 15 USC 6804 and 6805. Title 15 subsection title 1611 faults, misleading denial of my own credit violation of my consumer rights