davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

I closed on a refinance on XX/XX/2020. The title company XXXX XXXX XXXX submitted payment for taxes in the amount of {$2300.00} and it has since been posted to the XXXX county tax assessor. The current lender NewRez ( ShellPoint ) also paid my taxes but when we contacted the county they advised that the lender 's payment was rejected and return via Batch number XXXX. Title and I have wasted many hours on the phone trying to get this resolved and my monies returned to me but we never hear back. My last call was on XX/XX/2020 with title and a New Rez Supervisor and they said they would personally call us back in 2-3 days and still nothing. It has now been over 2 months and with no resolution in sight.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

FALSE/INACCURATE INFORMATION I reviewed my credit report today and noticed there is some incomplete and inaccurate information being furnished by XXXX XXXX XXXX. On my consumer report, you are describing this account type as a loan when in fact, this alleged arrangement is acknowledged by the governing laws as a credit sale. There is not now, or have never, been a loan agreement in place. Under any premise were goods or money loaned to me, the alleged debtor. It is a direct violation of FCRA to knowingly furnish or report false and incomplete information. Please delete this item within the allowing timeframe pursuant FCRA. ACCOUNT XXXX XXXX Failure to comply with these demands will result in a formal civil and/or criminal complaint being initiated. Please mail an updated copy of my credit report to the above listed address upon removal of violating information.
Consumer complaint received 2023-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I'm blocked from my online access and app because I don't have a phone number in my name. The customer service representative changed my address without my permission and they refused to change it back all because I don't have a phone number in my name.
Consumer complaint received 2024-06-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Commencing on or around XX/XX/year>, I fell victim to a multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firm
Consumer complaint received 2023-05-31
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)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't 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 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The : following items need to be investigated and corrected for erroneous reporting in my file 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
Consumer complaint received 2023-05-31
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 XXXXXXXX XXXX  ACCT # 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 2022-12-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (CA)

XX/XX/2022 apparently I owe a debt to a place or company I never even heard of have no knowledge of never received any papers or anything saying I was in debt it just appeared in my credit score I'm strongly thinking it's identity theft honestly because I have no knowledge of ever hearing about Awa I don't even know what that is and {$480.00} I owe you what about what it doesn't give me no information it just says the name of the company and that I supposedly have {$480.00} of debt when I never even heard of that company
Consumer complaint received 2021-02-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (FL)

The person said they was from a law firm which I didn't know they had information about a civil case I have been waiting to go to court on since XX/XX/2020 they called me from a 1-855 number they ask me to confirm my last 4 numbers of my social security number which they gave to me. I asked where their law firm was located at they hung the phone up.
Consumer complaint received 2024-06-06
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: JPMORGAN CHASE & CO. (VA)

Charge was made for a XXXX hotel. I never stayed at a XXXX hotel. I disputed the charge with Chase, and they asked me to provide proof that I stayed at a different property. I provided photo proof. They then told me to provide proof that I left my wallet in my room. Of course that is impossible. They then told me to provide cctv proof that the person that swiped the card was not me. There is no contact info for XXXX - again impossible. They then asked me to get a member of hotel staff in another country to admit to the theft of my card. Again impossible. Case was closed and I was rebilled for the charge. 

The whole point of using a card is to be protected from unauthorized charges like this. I've never had a bank so flagrantly unhelpful and unsupportive as this. XXXX XXXX was disrespectful and frequently spoke over me. XXXX made me wonder why the heck I do any business with a company who treats their customers this way.
Consumer complaint received 2017-03-28
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (AZ)

I am a recent college grad struggling to keep my head over water in student loan debt. I am on an income based repayment plan for my federal loans however, these payment plans do not take into account the amount of money I pay each month to private student loan debt. I pay & gt ; $ XXXXmonth JUST for my private debt, plus an additional {$210.00} for my student loan debt. I am barely making ends meet and I am offered no other options and told I may not qualify for income based plans again each year when I have to recertify. The fact there are no other options to help me lower my cost besides forbearance and deferment ( and the interest will just continue to accrue and ill be even more XXXX ) is just absurd. ALL payments made to student loan debt should be accounted for each month. Yes on an income based plan im only paying 10 % of my income to federal debt, but in REALITY the majority of my income goes towards student loan debt payments ( including private debt ) each month. Also my interest rates on my federal loans are high ( most ranging ~6.8 % ), which is just setting me up for failure.
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (MD)

To XXXX XXXX Equifax The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like METRO 2. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Consumer complaint received 2024-05-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Freedom Mortgage Company (GA)

XX/XX/XXXX I was notified by mail that XXXX mortgage had sold my home loan to freedom mortgage. Since this had already happened once before since I bought the house back in XXXX, I didnt think much about it. A few weeks later I got a welcome package from Freedom mortgage. All documents will be provided. I was confused with the Paid In Full and security deed documents? The document stated my house interest rate would remain at XXXX, as you will see by the documents. Then XX/XX/XXXX I wanted to take advantage of getting home equity loan, I knew I had enough. The appraisal came in at XXXX, remaining mortgage was XXXX. I was told because of some late payments ( not missed payments ), I could only get the refinance at XXXX interest rate in addition to the other fees I was charged. I recently found a document Discount point disclosure form showing my starting rate of XXXX. Was this an error? See documentation.
Consumer complaint received 2018-03-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

Navient has not been a decent servicer. I opened the loan in XX/XX/XXXX and was told if I paid {$25.00} each month throughout school that would cover interest and I would then have to pay full payments following graduation. I did. However when I graduated my loan balance had gone up over {$3000.00}. My payments were over {$200.00} a month. I asked for options to lower payments or refinance and they told me I was not eligible. Since graduation in XX/XX/XXXX I have made consistent payments. When I reentered school for my XXXX XXXX I went back to still paying {$25.00} a month to cover the interest. However, they are contacting myself and co-signer stating I am skipping payments. Also my payments have gone up about {$10.00} a year since graduation. I call customer service and ask why and they state it just happens. Once again I have been told I can not refinance or lower payments in any way. My loan started at {$13000.00} and I still owe {$14000.00}. But they claim Im over half way paid off. They will not work with me and I can not afford for the payments to increase.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a formal complaint against TransUnion regarding their handling of my identity theft report and subsequent request to block fraudulent information on my credit report. Despite fulfilling all the required steps as mandated by Congress, TransUnion has failed to comply with my request, causing significant distress and inconvenience. 
Details of the Incident : On XX/XX/2024, I submitted a request to TransUnion to block information on my credit report resulting from identity theft. The Account is with XXXX XXXX XXXX account number ending in XXXX. This request included all four essential documents as required by law : Proper Identification : I provided copies of my driver 's license and utility bills to verify my identity.

Identity Theft Report : I included a copy of the FTC Identity Theft Report obtained from IdentityTheft.gov, which also serves as an affidavit.

Identification of Fraudulent Information : I clearly identified the accounts and addresses on my credit report that were the result of identity theft.

Consumer Statement : I provided a detailed statement describing the identity theft and the fraudulent activities affecting my credit report.

TransUnions Response : In response, I received a stall letter in the form of a postcard from TransUnion, stating that they could not accept some of the information I had submitted, including the FTC Identity Theft Report. This response is unacceptable and contrary to the legal requirements set forth under : 15 U.S. Code 1681c2 - Block of information resulting from identity theft.

15 U.S. Code 1681q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity theft.

Violations and Negligence : TransUnions refusal to accept my properly submitted documents and their failure to block the fraudulent information from my credit report constitutes non-compliance and negligence. Their actions ( or lack thereof ) are in direct violation of federal laws designed to protect consumers from the damaging effects of identity theft.

Request for CFPB Intervention : I am requesting the Consumer Financial Protection Bureau to intervene and address the following : Enforce Compliance : Ensure that TransUnion complies with the requirements of 15 U.S. Code 1681c2 by blocking the fraudulent information on my credit report.

Investigate Practices : Investigate TransUnion 's practices and handling of identity theft cases to prevent future occurrences of similar non-compliance and negligence.

Provide Resolution : Facilitate a swift resolution to this issue, ensuring my credit report is corrected and free from fraudulent information.

I have attached copies of all correspondence and documents submitted to TransUnion for your reference. Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2024-05-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/XXXX I signed promissory note ( loan number XXXX ) promising to pay to the offer of Navy Federal Credit Union XXXX XXXX XXXX {$17000.00} with the finance charge {$6200.00} total of payments {$24000.00} @ Annual percentage rate 10.34 %. 
On XXXX XXXX as a federally protected consumer I registered mailed ( XXXX XXXX numbers XXXX XXXX XXXX, and XXXX XXXX a Negotiable instrument to Navy Federal Credit Union in accordance with Title 31 USC 5118 et.al. to satisfy the promise to pay as agreed. It is the duty of BANKS/CREDITORS to honor this instrument for payment, to know, to abide by and operate under the law. 18 USC 8 applies. Commercial instruments are legal tender for payment of debt in accordance with 31 USC 5118 and other statues/ codes. See also, XXXX XXXX XXXX vs XXXX XXXX XXXX ( XXXX ) and Article XXXX of Uniform Commercial Code. 
Navy Federal Credit Union failed to respond. 
Again, on XX/XX/XXXX I obtained the services of a NOTARY PUBLIC to perform a notary protest process on Navy Federal Credit Union. See, XXXX XXXX # XXXX ; XXXX ; XXXX ; and XXXX. 
On XX/XX/XXXX Navy Federal Credit Union sent response ( XXXX ) in reply stating " The document you provided do not release you from your obligation to Navy Federal and you remain responsible for the repayment of your debt ( s ), '' and threatened to report any late payments, missed payments or other defaults on my account to the credit reporting agencies to be reflected in my credit report. 
Therefore, Navy Federal credit union refusal to honor the negotiable instrument by failing to process and credit my account after receiving said negotiable instrument as tender of payment renders said obligation Discharged. See, UCC 3-603 AND OCGA 11-3-603.Otherwise, failure to do so is " INTERFERENCE WITH COMMERCE ", a Felony under the RICO ACT, 18 USC 1951.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Debt that is more than XXXX years old was added to my credit repor t as a new collection account. It it on all 3 credit reporting agencies. XXXX, XXXX  and Experian. They published the information after the debt recovery company assured me it could/would not go on my report. This bogus collection account dropped my score 24 pts in one day. The credit reporting agencies are very lax when it comes to negative marks and don't properly investigate the debt and the time of the account. It will take more than 30 days to get this off and in the meantime my trustworthiness takes a fatal hit in these hard economic times!
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (NV)

LVNV Funding LLC/Resurgent Capital Services has reported a negative account on my credit reports with XXXX, XXXX, and XXXX. I do not have a contract with them. I am not responsible for this debt. I have disputed this account a couple of times, and LVNV/Resurgent Capital Services refuse to delete this inaccurate information from reporting on my credit.The original creditor is XXXX who sold this to LVNC/Resurgent Capital Services. Account # : XXXX for {$190.00}. They have not properly validated this debt with a signed contract and my signature. This is unfair debt collection practices. I have no contract with this company. Delete off of my credit.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MN)

I want XXXX and Equifax to immediately delete and remove all fraud alerts and blocks from my XXXX and Equifax credit report, so XXXX XXXX Bank can access and get a copy of my XXXX and Equifax credit report to offer me a credit card account and open up a new checking and savings account for me at XXXX XXXX Bank. So XXXX Bank can not access or get a copy of my XXXX or Equifax credit report due to a block being on my XXXX and Equifax credit report. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX
Consumer complaint received 2015-12-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was supposed to receive my closing documents from Bank of America to review at least 3 days prior to closing. I made numerous attempts to get these from the bank and my requests went unanswered. I contacted the closing company and found that their documents had been " approved '' by the bank, but I had no idea if they were accurate. The closing company sent mine to me so I could get the cashiers check for closing. No one from the bank ever reviewed the documents with me even after more requests. I did receive the documents the day after closing.