davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (WV)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (VA)

To whom it may concern, Bluebird has blocked/ closed my account due to valid disputes I filed. Although, Bluebird did not process my disputes. All Vendors with the exception of one, XXXX, has returned funds back to my account. I am in need of your assistance.due to there being a misunderstanding in communication between Bluebird and I. 

Please assist me in 1 ) Reopening my account as I have not violated my user agreement by filing valid disputes. 
2 ) Unblock my balance of {$170.00} on my account. As well as my ability to view my transaction history. 
3 ) Retrieve $ XXXX XXXX XXXX XXXX XXXX they state XXXX will only allow the financial institutions/ Bluebird to return funds to customers once a dispute has been opened.

Please investigate and assist me in addressing these errors. 
Thank you for your time and attention to this matter. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2022, I incurred XXXX charges for {$490.00} from XXXX XXXX. On XX/XX/2022, I disputed the XXXX charges and BOA initiated a provisional credit. On XX/XX/2022, the vendor ( XXXX XXXX ) initiated a credit. On XX/XX/2022, BOA reversed their provisional credit. Everything was then perfectly cleared. On XX/XX/2022, BOA XXXX XXXX XXXX charged my card again for {$480.00} X XXXX without provocation or discussion. Attempted to contact BOA. XXXX XXXX will not respond. In fact, they are rarely open and take a very long time to respond to callers. Representatives transfer you around when they dont want to deal with you.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX, around XXXX, my debit card made 9 unauthorized fraudulent transactions in excess of {$720.00} dollars. I immediately acted, locking my card via the Wells Fargo portal and then called per their instructions found online. They indicated the claim was processed and within 10 days everything would be handled and a temporary credit would be issued. I waited patiently ... came back with XXXX dollars credit on charges I never disputed. I called 5 separate times for resolution. I needed help, so I went to the local bank I have been a loyal consumer for since 1998. The banker called 3 separate occasions, which took several hours each appt I had to set up. Eventually the bank manager stepped in. Fast forward to XX/XX/XXXX. No resolution, no follow up, nothing, just continue to wait 10 days sir. I had heard that over 3 times now. The manager was able to uncover the issue, which was that XXXX XXXX refused to refund the money to the bank, which means, me, the consumer was to take the loss. The entire reason I set up my account with XXXX, now Wells Fargo was because they ensured me my money was federally insured up to 150k for issues such as this. 

Please help me come to a resolve with this issue I am facing. As a result of these charges I am potentially at risk of defaulting on my personal financial obligations for issues outside of my control, but clearly stated on their website that I'm covered for by being a consumer with their establishment.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

This is a formal complaint against Equifax. Equifax has been reporting discrepancies on my credit report. 
I sent Equifax a certified mail letter to dispute this item with the tracking number XXXX delivered on XX/XX/XXXXXXXX  at XXXX Equifax has not picked up their mail yet since it was delivered. 

The XXXX XXXX is a common law concept that is the default rule governing mailing and communication contract. Once an offer has left the offerors hands, the offer can not be changed materially, even if circumstances change. The contract is considered accepted as soon as the acceptance is dropped in the mail. 

The XXXX XXXX is clear that the contract starts once the communication contract its dropped in the mail. Since Equifax has not picked up their mail, I refused equifax to do any investigation regarding this account except to Delete the account IMMEDIATELY. SHOULD EQUIFAX PUT THIS ACCOUNT INTO DISPUTE AFTER RECEIVING MY COMPLAINT I WILL FILE A CLAIM WITH DISTRICT COURT. 

I must remind Equifax that the FCRA LAW states information reporting has to be 100 % verifiable and 100 % accurate. Its their duty to ensure that all information reports to be consistent and most importantly accurate and Equifax failed to do so. 

This account number XXXX is a revolving credit and a revolving credit account and a revolving account gets reported 180 days past the due date as a charged off. However, this account history is not reported accurate. 

1. Equifax is reporting payment history in XX/XX/XXXXXXXX  past due 30 days, 60 days in XX/XX/XXXXXXXX  and stopped reporting in XX/XX/XXXX. Nowhere mentioned of the last payment or charged off. 
2. Equifax report is blank 3. Equifax is reporting monthly payments blank 4. Equifax is reporting high credit balance blank 5. Equifax is reporting past due blank. 
6. Equifax is reporting the date of payment blank 7. Equifax is reporting last date of active blank Violation 15USC1681 ( a ) Although Equifax its aware about this violation but is still reporting false misleading information on my consumer report. 
The law is very clear as to the Civil liability and remedy available to me for negligent noncompliance ( Section 617 ) Equifax hereby put on notice that they are in violation of several US CODES which I can be seeking {$1000.00} per each violation. 

Reminder of DIXON-ROLLINS Vs Experian Information Solutions . Inc. ( 2010 ) and Miller vs Equifax Information Services LLC ( 2013 ). These consumer won their case against the bureau. 

FAILURE I WILL FAIL A CLAIM WITH ALL THE EVIDENCE I HAVE. 

ENCLOSED YOU WILL FIND DISPUTE LETTER, XXXX REPORT, USPS TRACKING INFORMATION.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute fraudulent accounts that were opened in my name with XXXX XXXX without my knowledge or authorization. I am an identity theft victim and did not open or approve these accounts myself. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ), I have the legal right to dispute any inaccurate, incomplete, or unverifiable information resulting from identity theft on my credit reports. I am requesting that the CFPB take the following actions : XXXX ) Investigate this matter and ensure the immediate removal of any XXXX XXXX  accounts, collections, late payments, or other negative information from my credit reports with all three major credit bureaus ( XXXX, XXXX, TransUnion ). 

XXXX ) Require XXXX XXXX  to absolve me of any obligation for payments, fees, charges or debts related to the fraudulent accounts. 

XXXX ) Ensure correction of any inaccurate information arising from identity theft across all credit reporting agencies as mandated by the FCRA. 

The FCBA states that upon notification of potential identity theft, creditors must cease collection efforts and resolve the dispute within 30 days. The FCRA gives me the right to dispute errors on my report and requires credit bureaus to investigate any items I dispute within 30 days. 

I have enclosed copies of the identity theft report I filed with the Federal Trade Commission and my local police department. This documentation verifies that I am a true victim of identity theft. 

Please promptly investigate and take the requested actions. I am an innocent victim and should not be penalized for fraudulent accounts opened through no fault of my own. Let me know if any other information is required to resolve this matter. 

Thank you for your attention to this serious identity theft issue. I look forward to receiving an update from you within 30 days on the outcome of your investigation and actions taken.
Consumer complaint received 2023-09-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc. (MA)

MY MORTAGE COMPANY CHANGED MY INTEREST RATE FROM 6.75 % to 18 %! 
MY MONTHLY PAYMENT WENT FROM {$3800.00} TO {$8900.00} MORE THAN DOUBLING MY PAYMENT. 
They say it was in the contract that I signed at closing but if it was, it was some very fine print. 
I was lied to from the beginning. At the closing, I needed more money than I thought I would and I was worried about it but the lawyer said " don't worry, now you don't have to make a payment for 2 months ''. 2 days later I got a letter in the mail saying my first payment was due in less than 3 weeks. That payment was late but not more than 30 days. 
In the 12 months I have had this loan, They have changed servicers 4 times. Every time, they give me little to no notice. Each servicer handles the payments differently. One only takes payments online while the next takes them over the phone. The next will only take 1 lump sum when the last one would let me make more than one payment during the month to get it paid in smaller chunks. I never know the rules and sometimes I don't know who I am paying. 
At one point I had made my payment over the phone with the servicer and paid what they said had to be paid and the next month I was told that the last months payment was being held up because I hadn't paid the late fee associated with that last month so it looked like the payment was 2 months late when it wasn't. Then the next month on the phone the servicer ( a different person, same company ) told me that late fees are all saved until the end of the loan. 
THE KICKER : Last week ( XX/XX/2023 ) I was told that my payment went up because I got my interest rate changed to 18 % BUT... if I can pay XXXX 's payment by the XXXX they will bring my interest rate back down to where it was. It seems like extortion to me and I don't like it. I don't understand how this can be legal. I don't want them to foreclose on me but brining my interest rate up so high is ridiculous. If I was having a hard time paying it before how can they expect me to pay it now. I feel like it's just a way for them to lead me into foreclosure because I have a good amount of equity. 
The last time I spoke to my servicer and they told me about the increase I told them that on the website it says " click here if you need help paying '' so could I ask for a forbearance or something like that and he said you can ask but they are going to say no right away! Why do they have the button if they aren't going to help you? So I said I will try to refinance and he said the 5 % prepayment penalty and the bad reports to the credit bureau are going to make that impossible. I'm XXXX
Consumer complaint received 2023-09-27
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)

in accordance with the fair credit reporting act.The list of account below violated my federally protected consumers to privacy and confidentiality 15 USC1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C.1681 section 604 A. states that also as aa consumer reporting agency can not furnish an account without mt written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states that : no consumers reporting agency may make any consumers report containing any of the following items of information any otehr advanced items of information, othre than records of conviction 's of crime of which antedates the report by more than 7 years. 15 U.S.C1681s- ( A ) ( 1 ) A person shall not furnish any information relating to consumers to any consumers reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IN)

On XX/XX/XXXX2023 I called Mohela and asked to speak to a supervisor ( XXXX I believe ) and she confirmed my SAVE Income Driven Repayment Plan for loan sequence # 22 of {$750.00} for a household income of approximately {$65000.00} a year was incorrect. She also confirmed I am not due to recertify until XX/XX/XXXX. I NEVER self report income and always send income information through the IRS link. She put in a request to have my IDR plan reviewed. The next day under Documents Received it showed IDR processing with a date of XX/XX/XXXX. 

On XX/XX/XXXXXXXX  I received a notification loan sequence # 22 was placed in an Administrative Forbearance. Under Documents Received it still showed the IDR plan processing with a date of XX/XX/XXXX. I called Mohela on XX/XX/XXXXXXXX  and asked to speak to a supervisor ( XXXX I believe ) who advised that my loan was placed in Administrative Forbearance because more time is needed to process the IDR request. She also confirmed my payment amount is incorrect and I am not the only person with this issue. I expressed my concern that I would not qualify for PSLF for any month I am in Administrative Forbearance. I was told it could be corrected to qualify for months in Administrative Forbearance but am skeptical. I inquired about requesting to remove the Administrative Forbearance but she advised the XXXX bill most likely would be the {$750.00}. I decided to wait to request the removal of the Administrative Forbearance to see if my IDR plan would process. 

On XX/XX/XXXXXXXX  I logged into Mohela to see that my IDR plan was canceled. I DID NOT request this to be canceled! I did not even request to apply for the SAVE IDR plan. I am confused why when I recertified most recently the payment was approximately {$50.00} a month for loan sequence # 22 and then in XXXX it jumps to more than the standard repayment amount. I am frustrated because I will not qualify for PSLF for the month of XXXX and potentially additional months until this is resolved. I SHOULD NOT be penalized for mistakes Mohela has made! I have been on top of my loans ever since they went into repayment in approximately XXXX. I am at a loss at what I can do to get this resolved since I thought the IDR review would correct it eventually but now it is canceled. 

I am currently in the last 10 months of 120 payments for PSLF. I have 7 of those months completed but need to certify my employment. I planned to certify my employment following the 10th month which would be XX/XX/XXXX. Mohela 's errors are jeopardizing this.
Consumer complaint received 2024-04-04
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-03-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation (DC)

I Am Not Liable For This Debt With BRIDGECREST And Do Not Have A Contract With ( BRIDGECREST ). 
They Did Not Provide Me With The Original Application As Requested.
Consumer complaint received 2023-10-01
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. (IL)

My pocket book was stolen a while back and whomever stole my wallet had access to all of my personal information. My social security card, debit cards etc. I recently checked my credit report because I begin to receive offer letters to resolve lines of credit I never obtained. Please remove these fraudulent accounts from my credit report. The Federal trade commission is aware of these acts. I have a report from them.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: COOPERATIVA DE AHORRO Y CREDITO HATILLO (PR)

Someone hacked the credit card I have with this institution. When I made the claim, it took more than 90 days to investigate. And now I am under investigation on my credit report because during the period in which the fraud was being investigated, the institution reported that I did not make the corresponding payments. When I didn't have to do them for research. In addition, they did not pay the interest that the fraud generated.
Consumer complaint received 2023-06-21
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. (GA)

I am writing to formally request that Equifax conducts a thorough investigation into the recently updated and modified information as of XXXX XXXX  on my credit report as per the letter notice received from Equifax in the mail. I have noticed additional details such as Status Date, Balance Date, and Verified Item that require investigation. I insist that Equifax takes immediate action to remove any incorrect, inaccurate, and unauthorized accounts from my credit report. In order to proceed with this investigation, I kindly ask that Equifax provides me with a contract agreement containing my full signature and matching my full social security number, as it would serve as evidence of my supposed account with XXXXXXXX XXXX  and authorize XXXX XXXX XXXX to collect a debt from me. Equifax has yet to demonstrate how this account was validated or verified. Considering the violations of 15 U.S.C. 1681g, Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 6 ), 15 U.S.C. 1692g, and FDCPA Section 809 ( a ), I demand the immediate removal of this Collection from my credit report. It is crucial to emphasize that I have contacted XXXXXXXX XXXX multiple times to inform them that I have never entered into any contractual agreement with them, nor have I opened any insurance account. Unfortunately, XXXX XXXX has failed to provide any documentation or records supporting their claims. Despite my repeated attempts to rectify this situation, the issue remains unresolved. Should the need arise, I am fully prepared to seek legal assistance through the Office of Veteran Affairs to address this matter. As I am a XXXX XXXX XXXX XXXX. The inclusion of this incorrect Collection on my credit report has resulted in the denial of a loan and has caused significant harm to me. Consequently, I am prepared to take legal action against all parties involved, including Equifax, XXXX XXXX XXXX, and XXXXXXXX XXXX. It is important to emphasize that this situation is not only unlawful but also unjust, and I expect a swift resolution. In conclusion, I urge Equifax to conduct a thorough investigation and human review, rectify this issue promptly, and remove any erroneous accounts from my credit report. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-04-26
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. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.