davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: COLUMBIA BANKING SYSTEM, INC. (WA)

XXXX XXXX, annual free of {$75.00} billed on HELOC account ( at {$0.00} balance ) was billed in paper mail. This annual fee had not been applied in the years prior on the account. No other notification of this fee was sent via email, phone, or text. No change to online account balance was made, the account continued to be listed as {$0.00}. There was no method to this fee online under the " XXXX XXXX '' category, because this did not show up as a bill or a balance on the account. 
XXXX XXXXpresent, have continued to pay all monthly principle and interest payment for HELOC loan. I have paid greater than the required minimum each month, yet this excess of funds was not applied to the XXXX $ annual fee balance. 
XX/XX/XXXX, contacted Umpqua to request removal of negative credit reporting through their credit disputes email. Spoke to local branch manager who agrees this should be rectified on account. 
XX/XX/XXXX, Umpqua stated they were unable to honor this request.
Consumer complaint received 2023-05-17
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please see the following response from XXXX XXXX XXXX This invalid and incorrect reporting is against my rights under the Fair Credit Act and I am disputing the error with all 3 Bureaus : Transunion, XXXX XXXX XXXX 
This needs to me removed immediately! This should not have EVER been on my credit report. See companys response below. 
To Whom It May Concern : We would have no additional information as we are not the current owner and have not contacted XXXX XXXX since the date of sale. Thank you. XXXX XXXX XXXX XXXX XXXX 
Furthermore it is past the 7 years to report any information from this company.
Consumer complaint received 2024-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENNYMAC LOAN SERVICES, LLC. (IA)

I reached out to my Mortgage provider ( XXXX XXXX ) and requested information on how to remove XXXX  from my loan. They informed me that i needed to reach XXXX  % of my loan to value ratio, or i could have my property reassessed and meet an XXXX  % Current value with XXXX. 

I paid for a reassessment {$XXXX}. They hired a person to complete the assessment and it came in {$XXXX} hirer than XXXX %. I paid {$XXXX} to meet the XXXX % requirement. after meeting this threshold i was informed that my improvement were not sufficient. I was informed by an agent on the phone that my improvements, which include a massive back patio, landscaping, and electrical work should qualify without a doubt. 

I requested a list from the lender of what is all considered " Approved '' improvements but have not received a response. I believe that the lender is intentionally denying my claim without sufficient explanation to force me to continue paying XXXX
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Eltman Law, P.C. (TX)

Eltham Law Pc ( XXXX XXXX ) filed judgement against me on a debt with XXXX third party debt that I did not sign a note with them. She attempted to garnish my bank account which is not allowed in Texas. My bank called me and took care of it. At the time I did not know the law sof I got an attorney name XXXX XXXX XXXX he advised me to negotiate and I did paying {$100.00} a month for 3 years on time. Then on XX/XX/XXXX - XX/XX/XXXX they did not cash my checks. No call no letter no nothing. I tried to call no answer. I sent letters no reply. They breached the contract that was entered XX/XX/XXXX. I want my money back and judgement removed.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-17
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: NATIONS DIRECT MORTGAGE, LLC (FL)

My complaint is to inform you of the grave violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 that have been committed by XXXX. These violations have caused substantial harm to my privacy and have infringed upon my consumer rights. I am seeking a remedy as prescribed by 15 USC 1681n to address the damages incurred. 

The specific violations are as follows : 1. Violations of 15 USC 6802-6805 and the Privacy Act of 1974 : Unauthorized Sharing of Personal Information It has come to my attention that XXXX has unlawfully shared my personal information from Nations Direct Mortgage without my consent or any legal basis, thereby violating my rights under 15 USC 6802-6805 and the Privacy Act of 1974. This unauthorized sharing of my personal information has resulted in a breach of my privacy, causing distress and concern. I strongly urge XXXX to immediately cease any further sharing of my personal information and take appropriate measures to prevent such unauthorized disclosures in the future. 

2. Violation of 15 USC 1681A ( 2 ) ( 1 ) : Improper Disclosure of Experiences and Transactions In addition to the aforementioned violations, I have discovered that XXXX has improperly disclosed my experiences and transactions from Nations Direct Mortgage in XX/XX/XXXX. This disclosure of sensitive personal information without my consent is a clear violation of 15 USC 1681A ( 2 ) ( 1 ). I demand that Nations Direct Mortgage and XXXX take immediate action to rectify this violation and ensures that my experiences and transactions are not further disclosed without lawful justification. Attached below is a screen shot of the violation as well as proof that all three consumer reporting agencies are reporting the same account differently which is an additional violation under 15 USC 1681.
Consumer complaint received 2018-04-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2021-03-04
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 have been a very loyal consumer of XXXXXXXX XXXX for many years, and I need your assistance. I have this account with XXXX XXXX ( please see the Letter which I attached ) that I always paid on time. 

There was a period of time ( XXXX XXXX ) in my life that was very difficult to handle due to a XXXX  emergency ( XXXX ). I always tried my best to get every payment to you on time but there was 1 time that my payment was received 30 days late. Before that hard time and ever since I have regained control, I have made every effort to be a loyal paying customer, even paying early at times to ensure that your company suffered no loss. 

Well, that hard work has paid off and I now have years of good standing credit with your company, with the exception of this late payment. This payment is extremely damaging me in a lot of ways, mainly it is damaging my chances of credit availability.
Consumer complaint received 2018-12-11
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. (IL)

My first issue is that I have an account that I have contacted both the company and credit bureaus that is reporting closed on all my credit files back in XX/XX/2015. This account was paid off in full by my insurance company. Although they are reporting inaccurate information that shows this account has a balance and has been charged the credit bureaus and company is stating that it was charged off years later and although it has been charged off the balance is currently rising and shouldnt be. Although I have disputed this with the credit bureaus I dont believe that they take the necessary and required steps to fully investigate by law. Lastly the company will not honor my request to receive the steps taken in the investigation.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

This dispute started in XX/XX/XXXX when Discover failed to reply to multiple letters and supporting correspondence. I am not obligated to pay any disputed amount by law, so I did not. This account is now current and has been for almost four years. The dispute of {$2300.00} is resolved, and the balance is credited for that amount. All payments are being made on time. 

I agreed to the settlement during the call with your representative on or about XX/XX/XXXX. Initially, I was told the call was being recorded by Discover. During that call, as part of settling the account, my credit report and Discover history would also be updated to show the correct/current information. After years of on-time payments being reported accurately, as of today, Discover continues to show the account past due from XX/XX/XXXX through XX/XX/XXXX. 

This is incorrect. The aging should be amended now that the dispute is settled, and this delinquency history should be deleted or amended. As a result, I am requested a copy of the transcript or actual recording of the phone call with Discover as evidence of what the Discover representative promised in order to encourage me to agree with the settlement terms. If you feel the representative would not mis-represent the terms, then the recording or transcript would also indicate such. 

I am therefore requesting that any previous months delinquencies or late payments be removed, corrected, or suppressed from all three Credit Reporting agencies where they continue to appear, negatively influencing my overall report. Please reply directly to me as to how Discover will finally resolve this matter after five years.
Consumer complaint received 2021-03-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I hold 6 private student loans with Navient. I had previously set up monthly automatic payments to cover each of these loans for {$290.00} monthly. The last payment made was on XX/XX/2020. I did not receive notice of any account changes from Navient by mail or email regarding my loads or monthly payments. 
I received a notice of monies due in XXXX of {$84.00} termed a " past due notice '' via email. I paid this ( although I was unsure what it was for and should have looked into it. ). This, I learned today was not applied to any " past due '' balance but applied to my total load debt with Navient. Therefore maintaining delinquency of my account. 
I received an additional call today informing me I was delinquent on my payment with Navient because 4 of my 6 loans had " fallen off '' of the repayment plan. I investigated my bank statements and no deduction has been taken since XX/XX/2020. 
In addition, I was informed today that a few of my private loans had been placed in forbearance I did not request nor authorize this. 
I have great concern that Navient is not following the terms outlined in the truth in lending act nor the terms they have set with, at the very least, this borrower to ensure communication is concise and easy to understand. I believe situations like these only benefit the lender, who is then able to collect late fees and extended interest fees. 
I attempted to ask very specific questions of the Navient representative today who could not provide me with information to understand how my account is being managed without my consent to these changes. I enrolled in a new payment plan and the recording specifically states that the payment plan will not be altered unless i request. I have high doubts this will occur as Navient has a proven track record of confusing and misleading borrowers for their gain.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2022-12-08
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. (CA)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AZ)

Chase bank closed my account on XX/XX/year>. My direct deposit payroll check still got deposited somehow even though they closed my account. My payroll deposit said the deposit never got kicked back or sent back. Chase refuses to tell the truth as they have stated a check will get sent to me and also stated no check ever got sent out. Keeps giving me the runaround.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

A Wells Fargo ATM stole my cash, and the bank still hasn't reimbursed me. On XX/XX/24 I attempted to deposit {$950.00} into my checking account via a Wells Fargo ATM located next to the Wells Fargo Branch inside the XXXX XXXX at XXXX XXXX XXXXXXXX XXXX in XXXX, XXXX. I inserted my ATM card and my {$950.00} ( XXXX {$100.00} dollar bills, XXXX {$50.00} dollar bill ) into the ATM. An error code popped up on the ATM screen stating that my transaction could not be processed. I expected the ATM to return my cash, but instead it kept my money. There are multiple store cameras aimed at the ATM that can verify my deposit. I immediately went to the branch teller window and spoke with the teller and then the branch XXXX. The branch XXXX stated that since this Wells Fargo branch was located inside a XXXX XXXX they didn't have a key to open the ATM and retrieve my money. The branch XXXX said that I would have to call the number on the back of my ATM card for help. I've contacted Wells Fargo customer service multiple times, but the bank still hasn't reimbursed me. I filed a claim inquiry with Wells Fargo. The claim number is XXXX. The claim remains unresolved. Wells Fargo has stolen my money.
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (IN)

The Credit Bureaus are under State and Federal law to respond to the consumer about disputed submissions in 30 days. As a consumer, I have the right to protect my reputation and my personal information. My disputes have been ignored. It has been 78 days since XX/XX/2023, that none of the disputed items have not been removed from my credit file.
Consumer complaint received 2023-08-11
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. (MI)

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 2023-09-29
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.