davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
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. (WA)

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.
Consumer complaint received 2019-11-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Service Finance Holdings, LLC (FL)

I applied for a loan with Service Finance, LLC on XX/XX/2019 I was told by the construction company that I was declined due to having no credit file and/or my XXXX  credit file being locked, unable to view and no credit score. The rep then proceeded to ask me my race, gender and other information. I feel that I was discriminated against by this lender and denied a loan as a result.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (WA)

XXXX XXXX XXXX our escrow account by making two XXXX real property tax payments to XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX  between XX/XX/2022 and XX/XX/2022. We have contacted the title company that paid the remaining property taxes in XX/XX/2022 when we closed on the property, and have contacted XXXX XXXX XXXX XXXX via phone email and XXXX mail XXXX communicate these errors, and they have still not corrected the payment errors. We have been dealing with this since XX/XX/2022. We sent a notice of error on XX/XX/XXXX via email and XXXX certified mail to both XXXX and Homepoint Financial mailing addresses. Homepoint Financial acknowledged the email Notice of Error on XX/XX/2022. The amounts in dispute are {$690.00} and $ XXXX payment errors have shorted our escrow and Homepoint has assessed an additional approx {$400.00} a month in mortgage payments because of THEIR PAYMENT ERRORS
Consumer complaint received 2023-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (OK)

In the month of XXXX, I sent 3 different emails and made one call to customer service to inquire as to why my loan payment had not been recalculated under the rules of the XXXX payment plan in effect beginning XX/XX/XXXX - specifically, the increase in the XXXX exclusion percentage from 150 % to 225 % - as is stated on the XXXX website. I have been in the REPAY payment plan since prior to the payment suspension, was automatically switched to the XXXX plan in XXXX, but the payment given to me by EdFinancial was not updated/recalculated and is the same as it was prior to the payment pause. 

I was informed by this representative that the XXXX rule change doesn't go into effect until XXXX of XXXX. I read the information from XXXX to the representative stating that it was in effect in for XXXX. She told me that was wrong. She checked with another person then told me again that was wrong and that my payment would not be recalculated under those rules until XX/XX/XXXX. I asked for a supervisor or someone else to talk to and was told there was no one else and even if there was, they would tell me the same thing. 

EdFinancial is not complying with the XXXX repayment program rules.
Consumer complaint received 2022-12-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I transferred money to my landlord ( XXXX XXXX ) {$800.00} from my XXXX Bank of America to her Bank of America account. 
They wrongly accused her of fraud and closed her account. I did not know that I was not supposed to transfer money to accounts not under my name because I had a XXXX account, It does not say that anywhere, because of this they closed her account and bofa told her that she can never open up a bank account again. 
It has been 2 months of calling both sides of bofa to recover the money and filing claims with no success at all. Bofa is denying my claims because the transfer went through and it was not fraud. The normal bofa will not talk to me because my account is not with them. XXXX showed me proof that bofa is holding the money and that it is in in their hands called hold safe This is my last resort of attempting to recover my {$800.00} and am already speaking to attorneys on this. 
Bofa is notorious for accusing their customers of fraud without accurate research. 
They just want to hold our money in their books and possibly steal it. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
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: CAINE & WEINER COMPANY, INC. (MO)

XX/XX/2023 Subject : Request for Deletion of Collection with Forward Follow Agreement Progressive I hope this letter finds you well. I am writing to formally request the deletion of my collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between Progressive and Cain & We As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within [ specify a reasonable timeframe ] to comply with the terms of the agreement. 

Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid 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: CITIBANK, N.A. (GA)

A fraudulent account was opened in my name in XXXX of XXXX. Citibank sent a pre-filled credit card to an address I moved out of and someone got the information from it, charging it over the max. The address was XXXX XXXX XXXX XXXX, which I moved out of in XXXX of XXXX. I did not find out about this account until XX/XX/XXXX ( I never received any statements about this card, only collections calls ) and immediately had it closed and disputed. My dispute was denied, forcing me to file an official police report and Identity theft report. I filed these reports in XX/XX/XXXX and re-disputed the fraudulent account, assuming it would be easy to see that I was a victim of identity theft. However, to my dismay, Citibank has been extraordinarily difficult to deal with. I constantly call their fraud department, several times per week, asking when this account will be taken off my name. Their fraud department is a complete disappointment. I was even told by one of the employees that the reason my dispute was denied is that XXXX am the ceo of the company of one of the charges on the card ''. I am, in fact, not a CEO of any company. I work fulltime in a medical lab. 
No one can get me connected to a supervisor or manager to speak with about this account. Every request to remove this fraudulent account has been ignored by Citibank. I need help.
Consumer complaint received 2017-09-20
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 (NY)

This compliant is second submission, last XXXX 2016, I received a phone call from someone claiming to be from card services who told me if I sent them a check for XXXX they would hold it in escrow for 3 months and if I made the minimum payment for the 3 months. I did not have this in my account and I told them this. This appeared as a charge on my Bank of America Visa statement, I was s told my interest charges would be taken off my account after the 3 months which did not happen. I contacted Bank of America several times regarding this issue. I was eventually told It was my responsibility for these charges because I agreed to them. I am a senior citizen who got scamed, I have Been to lawyers regarding this who then submitted all the paper work, which I assumed included that this complaint was against Bank of America. I have been making XXXX a month payments on this as this is all I can afford. I am extremely tried of this issue. I made a stupid mistake that I will apparently be paying for the rest of my life. All this has been submitted to you a long time ago. Now I a am told tennis has been closed because of my lack of response, to contact, which I never got. I am extremely aggravated by this whole situation. Please, please help. YOU HAVE ALL MY INFORMATION
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to file a formal complaint against XXXX XXXX XXXX, XXXX concerning their reporting of unverified, unauthorized, and inaccurate information on my credit report. While I appreciate XXXX 's cooperation in updating incorrect information such as names and addresses, I believe that XXXX is still in violation of the Fair Credit Reporting Act ( FCRA ) by reporting unverified and unauthorized information. 

My complaints against XXXX are as follows : Reporting Unverified Information : XXXX has reported information on my credit report that has not been verified by me, including accounts from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have not validated or given permission for XXXX to include this information on my report. The unauthorized inclusion of such information goes against the FCRA, which stipulates that consumer reporting agencies can only report information with the consent of the consumer. 

Violation of My Right to Control My Credit Report : My rights as a consumer include having control over the information on my credit report. By including unauthorized information, XXXX is infringing on my ability to maintain accurate and truthful credit information. 

I kindly request that XXXX addresses these issues by ensuring that they only report verified and authorized information in accordance with the law. I also request that XXXX removes the unauthorized and unverified information from my credit report immediately and remains vigilant in complying with the FCRA and related consumer protection laws. 

In support of my complaint, I cite the relevant legal provisions and a court case : FCRA Section 1681b ( f ) outlines the responsibilities of consumer reporting agencies regarding the use and reporting of consumer information. 

The case of XXXX v. Equifax Information Services LLC, 2017 WL 2832941 ( S.D. Fla. 2017 ), emphasizes the importance of accurate credit reporting and the responsibility of credit reporting agencies to ensure that information is both accurate and verifiable.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal Credit Union ( NFCU ) is accused of violating federal consumer privacy laws ( 15 U.S. Code sections 6801, 6802, and 1681B ) by transferring my private information to XXXX collections without my consent. I have formally requested to opt out of their system and validate the violation for my NFCU accounts : XXXX & XXXX. 

Based on the above violations, I request that you take immediate action to : Opt me out of Navy FCU your system and any third-party databases. 
Remove my personal information associated with NFCU accounts : XXXX & XXXX. 
Cease any further sharing or disclosure of my personal information without my explicit consent. 

Under 15 U.S. Code section 6801, financial institutions have a legal obligation to implement measures ensuring the privacy and protection of their customers ' nonpublic personal information. This includes maintaining the confidentiality and integrity of customer data. The transfer of my personal information to XXXX debt collections and other third parties without my explicit consent demonstrates a failure to fulfill this obligation. 

Additionally, 15 U.S. Code section 6802 prohibits financial institutions from disclosing nonpublic personal information about their customers to non-affiliated third parties without meeting certain conditions. One such condition is obtaining the customer 's affirmative consent for such disclosures. As a customer of NFCU, I have not provided my consent for the transfer of my personal information to XXXX debt collections or any other third parties. 

Furthermore, 15 U.S. Code section 1681B states that consumer reporting agencies, such as XXXX debt collections, may only furnish credit information to those with a permissible purpose. If NFCU shared my personal information with XXXX debt collections without a permissible purpose, it would constitute a violation of this federal law.
Consumer complaint received 2023-08-08
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ),
Consumer complaint received 2023-01-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Flandreau Santee Sioux Tribe (CA)

In XX/XX/XXXX I took out a XXXX payday loan from Rushmore Financial. It was one of 6. out of control, I quickly agreed to have XXXX XXXX recommended to me, begin working for me to settle these payday loans. They told me toi send out an offcial letter stating i dont want them to cotninue to take out weekly payments from my bank. XXXX and the rest of them all got these letters. I did recieve 3 different agreement settlements working with XXXX XXXX, XXXX was one of them. I still have the agreement, the email just to confirm a few years later when they first started harrassing me, and my bank records that was set up to hold these fund, that I finished paying my debt to XXXX in XX/XX/XXXX. 

The past week, my aunt, my cousin who lives in another state and my father have recieved calls from someone claiming to be with the Department of XXXX XXXX, and threatened me that he had no choice but to push this form for wages of my XXXX social securitty to be garnished if I didn't pay the XXXX for this Rushmore Financial debt. As soon as I heard those words, I told him I already paid and go ahead and do whatever cause I have proof. He called me 3 more times, then at night, and now this morning I got a call claiming his name was XXXX XXXX a mediator from XXXX XXXX of sumner working on trying to keep XXXX 's lawyers from prosecuting me to the fullest extent, he claimed they were ready to move forward for identity theft, and fleeing from the law..he even started the conversation by verifying the last 4 of my social security number so innitially I was unsure. XXXX XXXX IS a mediator. He references rushmore lawyers wanting nothing more than toi take me to court, and I stop him to say Dude, i paid that. What do you need from me in order to clear this up? He says he needs my original account number so he can verifiy with XXXX and then close case.., .the thing is..the original account number is my social security, and i reazlized he already knows the last four, ,needless to say harrassing family members whom personal information. was NOT given out to them myself, pretending to be an official with XXXX XXXX i live in, and threatening serious legal allegations for a XXXX dollar loan i paid off in XXXX.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (MD)

I have tired to place a security freeze with Sage Stream! I was unaware that this entity, has & shares information about me with other entities. I reached out to this company to No avail! Ive mailed them the documents from their site requested to implement the security freeze, on top of calling number ours times durning their schedules business hours without any success of reaching them. Theyre recording states theyll contact you back within 24 hours and that hasnt happened either. This company I feel is a fraudulently company has access to my personals information/ identity without my consent or prior knowledge and I dont give them permission to share any information they have of mines against my wishes. Furthermore the information i believe they have isnt accurate! This company needs to freeze and or delete whatever information they have of mines and let me know that is been done.
Consumer complaint received 2023-07-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-07
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. (NJ)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2024-01-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MS)

Resurgent Capital Service was sent two certified letters requesting debt validation pertaining to a debt letter from them which was physically mailed to my residency. The letter stated I owed LVNV Funding Debt Collection for an unpaid XXXX XXXX XXXX XXXX. I wrote back to Resurgent Capital Service, debt management agency for LVNV Funding asking both companies to validate the debt by mailing me a signed contract with my signature and their signature for conducting business with them as well as the ledger of invoices pertaining to the debt they are claiming from me. 

I have not received the signed contract with my signature nor any invoices.