davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (FL)

I am writing to bring to your attention a deeply concerning issue regarding the information that ACS ( ACS Education Services ) has been submitting to the credit bureaus. This erroneous information has had a profoundly negative impact on my credit report, jeopardizing my financial stability and preventing me from making significant purchases, such as a home. 

I have been a diligent borrower and have consistently made payments on my student loan account with XXXX. My loans are currently on hold and despite my efforts to uphold my financial responsibilities, it has come to my attention that ACS has been submitting incorrect information to the credit bureaus, which has been inaccurately reflected on my credit report. 

The consequences of this error have been severe. I have been in the process of trying to secure a mortgage for a home purchase, a goal that I have worked towards for years. However, due to the inaccurate credit information reported by ACS, my credit score has suffered significantly. As a result, I have faced rejection from multiple lending institutions, making it nearly impossible for me to achieve my dream of homeownership. 

I am deeply frustrated and concerned about the impact that ACS 's mistakes have had on my financial well-being. It is not only affecting my ability to purchase a home but also potentially hindering other aspects of my financial life, such as obtaining favorable interest rates and credit limits. 

I kindly request that ACS takes immediate action to rectify this situation. Specifically, I ask that you promptly investigate the erroneous information that has been submitted to the credit bureaus and ensure that the accurate and updated information is reported as soon as possible. Additionally, I urge you to communicate with the relevant credit bureaus to rectify the inaccuracies on my credit report and provide them with the correct data. 

Furthermore, I am seeking compensation for the emotional distress, time, and effort that I have had to invest in resolving this issue. It is only fair that I am reimbursed for the losses I have suffered as a result of ACS 's mistakes. 

I believe in resolving issues amicably, and I hope that we can work together to rectify this situation promptly. I have attached relevant documentation to support my claims and would appreciate a response within 30 days to outline the steps ACS will be taking to address this matter. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution that will restore the accuracy of my credit report and allow me to pursue my financial goals without unnecessary obstacles.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-02-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo is now attempting to charge me for insurance in spite of me submitting to them on XX/XX/XXXX that I have insurance. They have added an additional {$6000.00} advance charges to my mortgage for the insurance and for {$880.00} for taxes in XXXX. They paid the taxes for the year and I reimbursed them via money order. I have copy of the money order that was made payable to them. 
Additionally, they were untruthful to you all on another complaint filed by me earlier. The current value of the property is around XXXX according to XXXX XXXX XXXX XXXX office . The loan amount was originally at approximately XXXX. The value of the property at the time of the loan was less than it is now. I can provide proof of this. This was a bad loan and they repeatedly refused my request to modify the loan. The XXXX they used to justify the loan was fraudulent and the value of the property will probably never equal the loan amount.
Consumer complaint received 2021-03-17
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Benefit Mortgage (CA)

In XX/XX/2019 my XXXX year old mother was contacted by Benefit Mortgage in XXXX XXXX, CA about the benefits of a reverse mortgage. The broker visited her on many occasions, eventually presenting her with a 200 page " loan package. '' She was confused and because my father was no longer alive and I am living in DC, she did not have anyone advocating on her behalf. She signed the loan documents under the duress of the broker, a complaint she later voiced to me. In doing some digging on my own, I discovered that any citizen who applies for a reverse mortgage must complete a counseling session to educate the individual about what they are entering into. Once completed they receive a certificate signed by the counselor and then by the client. When I finally received a copy of the counseling certificate from Benefit Mortgage ( attached ) I noticed that there was only the counselor 's signature and no signature from my mother. This backs up her claim that she never received the counseling. The name of the broker is XXXX XXXX and his manager is XXXX XXXX, both of Benefit Mortgage in XXXX XXXX, CA.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Bread Financial Holdings, Inc. (MA)

Beginning on XX/XX/XXXX of the year XXXX till the current, My accounts at Cominity Bank- bjs ending in XXXX, case # XXXX. Along with an XXXX account with a case # XXXX. Both accounts have been in fraudulent use with multiple unauthorized transactions starting from and around accounts opening. I believe my cards were stolen and has been in use since, and all transactions on the accounts are unauthorized and are a result of fraudulent activities
Consumer complaint received 2023-09-05
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2022-12-05
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. (MI)

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 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 2022-10-19
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. (NV)

Hello Yes Im having trouble with the XXXX major credit bureaus. you guys are not conducting reasonable investigations on Fraud Accounts. 
XXXX XXXX XXXX XXXX XXXXXXXX Does not belong to me.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

ON XX/XX/2023 A CHARGE OF {$1500.00} WAS PLACED ON MY BANK OF AMERICA CREDIT CARD BY XXXX XXXXXXXX XXXX, {$150.00} WAS RETURNED BUT THE XXXX XXXX WAS NEVER GIVEN TO ME, THE PERSON IS XXXX XXXX HER PHONE NUMBER IS XXXX XXXX, HER ADDRESS IS XXXX XXXX XXXX XXXX XXXX GA XXXX, I HAVE TEXT XXXX XXXX 7 TIMES AND SHE HAS NOT RESPONDED, PREVIOSLY SHE TEXT ME THAT SHE KNEW OF THE MIISTAKE AND WOULD REFUND MY MONEY, NOW ITS 60 DAYS AND NO RETURN MONEY, HER XXXX  IS XXXX, I BELIEVE SHE HAS DONE THIS TO MANY UNSUSPECTING CUSTOMERS, CAN YOU HELP RESOLVE THIS ISSUE.
Consumer complaint received 2022-10-24
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. (TX)

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. 

XXXX XXXX XXXX has posted a auto loan dating 7 years back without my approval balance XXXX XX/XX/2015 date opened XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these companies have posted negative information on my credit report without my written instructions per FCRA please dispute this information with the furnishes as I have tried and failed on multiple occasions directly
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NV)

In XXXX of 2021, I purchased a medical device from XXXX for {$5500.00}. To pay for the device, I was contacted by a representative from CareCredit Mastercard. She told me that if I used their credit card, it would be interest free, because it was a needed medical device, if I agreed to make a payment that they would bill me for monthly and if I agreed to give them permission to take it from my bank account directly. She said after 2 years the charge for the device would be paid off interest free and I didn't need to do anything other then make sure there was enough money in the account to pay the monthly bill. 
I have been trying to resolve this since XXXX of this year as it was 2 years and they still keep deducting a payment from my bank account each month. I've had conversations with them the week of XX/XX/XXXX and XXXX. They also said after more then 2 years I still owed {$4700.00}! I did figure out how to stop them from going into my account. I called their hotline and he said that I still owed them {$4700.00}! How could this be I asked when I have been making the payments that their person said I would need to payoff the device. I've paid {$3700.00} for the past 2 and a half years. Why it doesn't total up to the {$5500.00} I don't know, they obviously made a mistake, as she said at that time that they would calculate the correct amount monthly. 
Now their representative tells me it was my responsibility to calculate the monthly payments. How can that be I asked, I'm a XXXX XXXX, not a loan accountant. I wouldn't know how to do that! I told them that I am not trying to get something for nothing, and I am not trying to pay less then what the device cost, however, I can not allow myself to be taken advantage of either, especially in our terrible economy. 
I told them I've made payments of {$3700.00} which means I still owe them {$1800.00}. I told them I can get this amount for them but they said they wanted another {$4700.00}. That would mean the device would cost {$10000.00}! How could that be. They told me if I don't pay it they will send a collection agency after me. I am worried sick over this, please help,
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX Acct XXXX -Threaten to sue -False name / contact info -Claim they are attorney or represented -Gave false information about me -Threaten to tell anyone about my debt -Continued contact after requesting in writing to stop contact - Have been told I owe more than I do. 
- Called my work after I told not to contact place of employment
Consumer complaint received 2017-05-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have received several phone calls fr om Portfolio Recovery Corp regarding  an old  XXXX   XXXX  bill. I informed this agency I would never pay that because the charges are for roaming outside of my calling area. these charges are inaccurate. the roaming should have been covered under my then phone plan. Upon receiving my first phone call from this agency i specifically requested they not contact me anymore. I specifically requested a cease and desist but yet they continue to call. Since I never granted express consent their constant calls are violations of the TCPA. Today I received a notice from them regarding the same. I am unsure why they continue to call and send notices after i have requested a cease and desist
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (AL)

I deposited a check in the amount of XXXX yesterday in the drive thru. I gave the teller the check and a deposit slip. I was given a deposit slip receipt. The XXXX was NOT put into my account and MY account was DEBITED XXXX. I was told the problem was a teller mistake and would be corrected by XXXX XXXX. My account has not been credited in any way. I have spoke with the branch manager who states there is nothing she can do except create a ticket. I feel the bank should at least credit my account for the withdrawal that I did not give permission for.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-11-25
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX .... Balance : ; {$260.00} ; XXXX XXXX XXXX XXXX .... Balance : {$30000.00}
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, 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. (OK)

This complaint is not being filed by a 3rd Party Credit Repair Company and this NOT a duplicate Complaint. 

I recently reviewed my credit report and noticed these accounts below have violated my rights In Accordance with the Fair Credit Reporting Act XXXX and according to 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
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

There is a credit inquiry for XXXX XXXX XXXX listed on my Equifax Credit report dated XX/XX/2023 that is not mine and Id like it removed. Ive already disputed this with Equifax and although they admit to significant data breach with their company, they refuse to remove the inquiry. Ive also reached out to XXXX and was advised Id need to dispute the issue directly with Equifax.
Consumer complaint received 2023-08-16
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. (TN)

In accordance with the Fair Credit Reporting Act. The accounts listed below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I contacted XXXX, XXXX and TransUnion to reinvestigate the following accounts : 1. XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00}, Partial Account Number : XXXX XXXX. XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00}, Partial Account Number : XXXX. 
However, they stated everything was complete and accurate but that is not true as the open date, date of the last activity and much more are incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isnt reporting correctly.

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 an 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. 
Also, XXXX, XXXX and TransUnion are not even in compliance with Metro2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-08-16
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. (CA)

On XX/XX/XXXX I reviewed a current credit report and noticed several student loaned reporting to me which I have not applied for. There are a total of 4 loans opened to me fraudulently and the dates are 2 on XX/XX/XXXX which is also when the fraud started and 2 on XX/XX/XXXX and is also the last date the fraud took placed. Since then I have contacted the creditor and have made them aware of my situation which they resulted in starting an investigation, and I have even taken it as far as filing a report with my local police department to help assist fighting this fraud.
Consumer complaint received 2023-09-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC (TX)

A debt validation Letter along with a copy of my credit report was sent on XXXX XX/XX/ to Acima Digital, which Acima received on XXXX XXXX XXXX The debt validation letter is attached. I received a response from Acima on XXXXXXXX XXXX XXXX, stating that the dispute was frivolous or irrelevant and the determination was that I did not provide sufficient information to investigate the disputed information. The additional information that they requested was sufficient information to identify the account. I have never done business with this company nor know who this company is. How can they legally just say that I owe this money, without providing me proof that I had a financial agreement, as well as they need more information that I do not have? They have my name and address along with the only information that I have pertaining to this account is a partial account number, that is printed on my credit report. How many people with my first and last name have an account and or lease number with the same numbers in it?
Consumer complaint received 2017-05-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC. (UT)

I installed  a SPAM blocker due to this company. They get past the blocked number and leave a message every time. Short message, This is from a debt collector please call this number. I call the number they say I do not have an account. They say my number is not in their system and they will notify the correct department to stop the calls. I have called them at least 10 times to stop the calls. I have a recording of one of the ca lls.   They identify themselves as AFNI collections, caller ID " Debt Collector ''. I think they are selling my number because after i called them i received more calls from others.   Do not answer or return their call!