davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've recently come across some negative charge off accounts on my credit report that I was unaware of, and I find it hard to believe that these accounts were posted without my knowledge. Thus, I'm reaching out, because I need your help in removing these four misleading and incorrect accounts promptly. 

Let me tell you that I never had any outstanding balances on these accounts. Moreso, I never authorized anyone to include these items in my credit report. These entries don't even reflect my current financial status or situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I trust that you can assist me in the removal of these incorrect items and have them corrected right away.
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (OR)

On numerous dates as recent as  XXXX / XXXX /   2017  and  XXXX / XXXX / 2017  I 've submitted DISPUTE letters to Nationstar Mortgage, LLC regarding the amount they charged during my sale of the home at the closing through  XXXX   XXXX   XXXX  ; in the amount of {$10000.00} for Escrow Advances.     I was forced to pay above amount on  XXXX   XXXX ,    2017  or be in  " Breach of Contract '' with the Buyer of our home .
Consumer complaint received 2024-04-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I am filing a complaint regarding a potential violation of the Equal Credit Opportunity Act ( ECOA ) Background : I submitted a loan application on XX/XX/2024. 
On Thu, XX/XX/2024 at XXXXXXXX XXXX, I received notification of financial approval for a loan amount of {$150000.00}. 
On Wed, XXXX XXXX XXXX  at XXXXXXXX XXXX I received unlawful conditions in order to obtain the loan if provide the boarders private information like bank statements and drivers license ECOA Violation : Delayed Notification : ECOA requires creditors to notify applicants of a decision within 30 days of receiving the application. However, I did not receive any communication regarding additional documentation requests until XX/XX/2024 after I had already been approved financially for the $ XXXX on XX/XX/2024. 

On XX/XX/2024, after informing the loan officer of the possible ECOA violation, I suffered adverse action as the loan was lowered to $ XXXX after it had exceeded the 30-day timeframe. 

Privacy Concerns and Unnecessary Information Request : The requested documentation on XX/XX/2024, included a request for the Boarders ' driver 's license : This information seems unnecessary and potentially violated the privacy of the boarders in light of the fact of not being a party to the loan, 12 months of bank statements for the boarder : This also appears excessive and irrelevant to my creditworthiness. 

I wrote a letter to the original loan officer Tue, XXXX XXXX, XXXX XXXX XXXX XXXX After this, adverse action was taken On XX/XX/2024 ( more than 30 days after financial approval on XX/XX/2024 ), The original amount was lowered to {$120000.00} with additional requirements to pay certain bills that had already been discussed to be paid with XXXX XXXX at the time of application on XX/XX/2024. This sudden change in terms after financial approval raises concerns about potential discriminatory practices. 
Request : I request the Consumer Financial Protection Bureau ( CFPB ) to investigate these potential ECOA violations by PenFed Credit Union. I also request that the originally approved loan amount of {$150000.00} be reinstated without requiring unnecessary documentation or additional conditions. I have attached all documentation to prove this claim. 


Loan application : XXXX Letter of Financial Approval XX/XX/2024. 
Illegal Conditional documentation request on XX/XX/2024 Adverse/Counteroffer received on XX/XX/2024 XXXX
Consumer complaint received 2022-10-20
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. (MA)

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. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have a 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 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (PA)

On XX/XX/XXXX I requested a refund from EdFinancial Services for my student loans payments made during XXXX ( A total of {$11000.00} ). It has been 6 weeks and I have yet to receive any information regarding where my refund is or any confirmation email that they have sent my request to the appropriate government agencies. I need to receive my refund before XX/XX/XXXX in order to apply for student loan forgiveness.
Consumer complaint received 2024-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (PA)

My mortgage is through Truist Bank. My property was reassessed and as a result, I received a back-dated tax bill for the 2 years prior that reflected my current property value. I sent this tax bill into Truist so that it could be paid through my Escrow account. On XXXX, Truist shows that the amount of {$3000.00} was taken out of my Escrow to pay these tax bills. However, my taxing authority has never received these checks. Either they were sent to the wrong address or were lost in the mail. I have been calling Truist for 5 weeks to have them re-issue these checks and sent to the correct address. They keep telling me to keep waiting for them to be received but they have not taken my request seriously. I have requested call backs from management. Despite all of this, Truist has taken no action on my account and these tax bills are now past due. I should not be responsible for late fees because of a lack of action from Truist. I need these checks re-issued for {$3000.00} and sent to the following address : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2022-10-20
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

In accordance with the fair credit reporting act XXXX and Capital one have violated my rights under 15USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-10
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

Subject : Credit Collection Dispute and Request for Debt Cancellation Dear Experian 's National Consumer Assistance Center, I hope this message finds you well. I am writing to address the matter of the alleged debt associated with my account and to assert my rights under the doctrine of estoppel by silence, as established in Engelhardt v. Gravens ( mo ) 281 SW 715, 719. 

Having considered the situation, I have not provided any evidence or acknowledgement that validates the existence of the alleged debt. In line with the principle of estoppel by silence, my lack of response does not imply consent or acknowledgment of the debt 's legitimacy. 

Based on the information available to me, I have reason to presume that no substantiated proof of the alleged debt has been presented, which leads me to conclude that the debt itself does not, in fact, exist. 

In light of the aforementioned circumstances and my rights under applicable consumer protection laws, I hereby formally request the cancellation of the alleged debt from your records. I kindly ask for written confirmation of the cancellation once the necessary procedures have been completed. 

I also wish to remind you of your obligations under the Fair Debt Collection Practices Act ( FDCPA ), which includes providing verification of the debt upon request. I have not received any documentation validating the alleged debt, and I expect full compliance with the FDCPA. 

Please consider this as my official dispute of the alleged debt. Until the requested validation is provided, I request that all collection activities pertaining to this debt be immediately halted. 

I trust that you will conduct a thorough review of this matter and act in accordance with the law. Any continuation of collection efforts without proper validation will be considered a violation of my rights as a consumer. 

Thank you for your attention to this dispute. I anticipate a prompt resolution and written confirmation of the debt 's cancellation. 

Sincerely, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX Original Balance {$510.00}
Consumer complaint received 2022-10-20
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: C2 Financial Corporation (NY)

my mother is elderly and has been entertaining a reverse mortgage. she has been working with a broker for many months. she decided to list her home to see if selling would be a better option since rates are astronomical for a reverse mortgage. the day the home was listed, the broker reached out to my mother to tell her that rates are sky rocketing and she must sign immediately or her payout will be reduced by XXXX XXXX ( which is obviously not accurate ). since that time ( last friday ), she has consistently pushed her to close the loan by tomorrow, which because of the pressure she agreed to do. 

I feel strongly that she is being lied to & taken advantage of by the mortgage broker, due to her age & lack of financial savvy.
Consumer complaint received 2023-08-10
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)

Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile and in accordance to the FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 USC 1681 602 A states I have the right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent
Consumer complaint received 2022-10-20
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX, XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CO)

In accordance with the Fair Credit Reporting Act Victoria 's Secret has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-18
Product: Credit 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: SYNCHRONY FINANCIAL (IL)

XXXX offer credit care credit card as a option for payment for services on XXXX XXXX, and XX/XX/2024 partial service was rendered unacceptable, credit care paid the full payment without my signature or credit card in my possession
Consumer complaint received 2022-10-20
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, 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
Consumer complaint received 2023-08-09
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: GOLDMAN SACHS BANK USA (OK)

I have been subjected to unethical practices by GreenSky that have left me deeply concerned about the financial industry 's ability to protect consumers. GreenSky, in violation of the Consumer Financial Protection Act of 2010 ( CFPA ), engaged in unfair practices that allowed unauthorized loans to be processed and serviced through their program. These loans were initiated without proper authorization from consumers, leading to unjust financial obligations and a breach of consumer trust. 

Details of My Experience : I began to notice unfamiliar charges on my billing statements and collection letters from GreenSky, accompanied by calls urging me to make payments on loans I had neither requested nor authorized. As someone who had never applied for a loan from GreenSky or even heard of the company prior to these notifications, I was baffled and concerned about the origins of these charges.

After conducting further research, I discovered that GreenSky had engaged in the unethical practice of processing and servicing unauthorized loans, allowing merchants to initiate loans on behalf of consumers without their consent. This practice resulted in at least XXXX complaints from consumers, myself included, who had experienced similar unauthorized loan applications. Investigation into these complaints revealed that the fault primarily lay with the merchants, amounting to at least XXXX instances. 

Impact and Consequences : The actions of GreenSky have had a profound impact on my financial stability and peace of mind. The unauthorized loans have created financial burdens that were never part of my financial planning, leading to unnecessary stress and anxiety. Additionally, the lack of proper merchant training and oversight, as well as the company 's failure to manage consumer complaints adequately, demonstrates a significant oversight on the part of GreenSky.

Expected Resolution : Given the extent of harm inflicted on myself and other consumers, I implore the Consumer Financial Protection Bureau ( CFPB ) to take swift and decisive action against GreenSky. I expect GreenSky to refund or cancel the unauthorized loan, as mandated by the consent order as a consequence of their unethical behavior. It is essential that GreenSky also implement robust procedures to prevent the recurrence of such fraudulent loans in the future.

Conclusion : I trust that the Consumer Financial Protection Bureau will take my complaint seriously and undertake appropriate measures to ensure that GreenSky is held accountable for its actions. The wellbeing of consumers is paramount, and it is imperative that actions are taken to rectify the financial and emotional damages caused by the company 's irresponsible and unfair practices. 

Thank you for your attention to this matter. I eagerly await a response and the resolution of this distressing situation.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (IL)

My physical card was stolen in XXXX of 2023 and maxed, I reported my card stolen and got a replacement card. The company then put the charges back on my card in XXXX of 2023 and is now charging me late fees and overage charges for this card that was used without my permission. I have gone around with them and they refuse to reverse the charges or the late fees for the fraudulent charges. They also aren't allowing access to statement files on their website.I am showing an image that says they did reverse these charges but they did in fact put them back later, I do not have access to statements to show this.
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-09-28
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)

I have reached out to all 3 major credit bureaus, asking them to verify some accounts and to do a full investigation on everything on my credit report. They all stated that everything was accurate, which was not true. I found some inaccurate items still reporting on my credit reports. There are may items reporting on different dates some items show that the accounts were open on different dates, so how can this be accurate. My credit report show be accurate across the board and should not have any discrepancies in dates and balances. This is not the case in my situation, and accordance with the Fair Credit Act, XXXX XXXX XXXX has violated my rights. 1. XXXX XXXX XXXX Account XXXX XXXXXXXX 2. XXXX XXXX XXXX Account XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : states that a consumer reporting agency cant furnish an account without my written instructions. XXXX XXXX XXXX is reporting inaccurate items on my credit report. 

I do not have a legal binding contract with XXXX XXXX XXXX, they are not the original debtors and I have not signed any paperwork with this company. I have requested this company to show my the original signed contract and they have not ; therefore I demand this account to be removed and deleted from my credit report immediately. I have made a complaint to the CFPB before and it looks like they responded saying a telephone number dispute was the reason my account was updated and not deleted. This is not what 5 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section state so by law this account should be deleted from my credit report. 

Also I have reached out to TransUnion numerous times and all they have done was send out a letter stating me to verify my address which I have sent in 3 certified letters with proof of resident. I've sent my state issued ID, bank statement, pay sub from my job, and credit card statement all by certified mail. So please delete this inaccurate account.
Consumer complaint received 2022-09-23
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. (NV)

In accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX and her team at Experian Special Services reporting agency ls violated my rights. 


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

15 U.S.C. 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-23
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. (PA)

Account : XXXX XXXX XXXX Acct # : XXXX Account came back verified & validated. Not sure how this investigation was done being this is a collection account and is showing a past due balance {$2400.00}. Collection accounts are past due by default. This is a direct violation of FCRA requisites & Metro 2 guidelines.