davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (LA)

I have recently reviewed my credit report and I have noticed several late payments on FST Progress XXXX According to the Fair Credit Reporting Act 15 USC 1666b -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX  ( XXXX ) XXXX  during the covered period.
Consumer complaint received 2023-03-15
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, 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 XXXX, have 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 consent.
Consumer complaint received 2023-09-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Massachusetts Educational Financing Authority (IL)

I have been paying on a student loan for my son and co-signed by my husband. Somehow, my name was attached without my signature but I've been paying it anyway. I missed one payment 3 years ago and have never been late since. Today I received an alert from XXXX and XXXX that the lender marked my account as not being paid and that I'm unreachable. The last payment was XX/XX/XXXX and it appears as paid on the loan online account. Again, my name is no place on this loan and I probably shouldn't have been paying it, but I did because my husband 's name is on it. However, it does appears on my credit report, and monthly statements showing payments are sent to me and my son. 

The loan was taken out XXXX for my son who attended XXXX XXXX XXXX XXXX XXXX XXXX. The private lender is XXXX. 

There are other loans from this same lender where my name is also not attached to, but only this one appears on my credit report. 

I was making payments in good faith, only to be met with unfair and unscrupulous practices, such as reporting missing or late payments when that isn't the case.
Consumer complaint received 2023-09-14
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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 2023-09-14
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: Experian Information Solutions Inc. (TX)

I sent a dispute letter over 3 months ago regarding collection accounts. I will attach it to this complaint. Please note that the letter is dated and time stamped. Also is the attached bank statement for the XXXX XXXX  XXXX  which the collection agency XXXX XXXX purchased. They are reporting a different balance than what I owe. Keep in mind that the debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. Furthermore, I was never sent correspondence notifying me that this account was sold which is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. I demand that this account be removed from my credit report. Please see the attached letter and the bank statement showing the incorrect balance for the account XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to report inaccurate information on my credit report. The Fair Credit Reporting Act states that by law I can dispute and challenge any inaccurate information on my credit report.15 U.S.C . Sec 1681i ( a ) states that if you can not provide proof then the account must be deleted especially when it is inaccurate. I am requesting that this account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX deleted. I contacted the three major bureaus to investigate every piece of information on the account listed below and I still have not had an investigation launched.

In addition, in accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX and XXXX XXXX 1has violated my rights.

1.15 U.S.C 1681 section 602 A, states I have the right to privacy:15 U.S.C. 1681 Section 1681 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 2.15 U.S. Code 1692b - Acquisition of location information : Anydebtcollector communicating with any person other than theconsumerfor the purpose of acquiringlocation informationabout theconsumershall ( 2 ) notstatethat suchconsumerowes anydebt ; ( 5 ) not use any language or symbol on any envelope or in the contents of anycommunicationeffected by the mails or telegram that indicates that thedebtcollector is in thedebtcollection business or that thecommunicationrelates to the collection of adebt ; and15 U.S. Code 1692c - Communication in connection with debt collection : ( a ) Communication with the consumer generally without the prior consent of theconsumergiven directly to thedebtcollector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with aconsumerin connection with the collection of anydebt 3.15 U.S. Code 1692d - Harassment or abuseAdebtcollector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of adebt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.According to the FCRA the term, investigative consumer report means a consumer report of portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of liking with other with whom he is acquainted or who may have knowledge concerning any such items of information. According to the FCRA 15 USC 1681 everything has to be 100 % accurate. 

Once again, I demanding this account be deleted.
Consumer complaint received 2018-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

Throughout the couple of years that I have been paying back my student loans with my servicer, Navient, I have witnessed them consistently trying to mislead and deter consumers from making principal payments. There is an obvious effort to thwart early student loan paydowns by making it increasingly difficult and confusing to make principal payments. Initially when I started making payments to Navient, there was an option to apply additional funds to principal or to pay ahead. Then the wording changed so that " principal '' was no longer included, but instead you were given the option to " a ) apply excess funds towards you next payment ( s ) due ( helping to reduce the total cost over the life of your loan ) or b ) be billed for your full monthly payment. You will be required to make a full monthly payment with your next billing statement. '' I found this extremely confusing as to how my payment would be applied since principal and interest were not referenced at all. This is also misleading since option " a '' mentions that it will reduce the overall cost over the life of my loan. Whereas option " b '' ( the principal option ) does not say that it will reduce the total cost over the life of my loan. Then in the last month I am no longer given the option when paying my bill online to apply the excess to principal. I had to search in the Help Center of Navient 's website to discover that any excess funds that I pay will automatically advance my payment due date by the number of full payments that are covered by the extra funds. The only exception is if I am paying more than twice my monthly payment, then I can choose to be billed for my full monthly payment ( aka make a principal payment ). I also discovered in the help section, that the only way that I can make a principal payment that is less than twice my monthly bill, is if I mail in a check with a separate piece of paper detailing my instructions for how I want my payment applied. This feels like a concerted effort to confuse and discourage borrowers from paying loans off early, and to collect as much interest possible by drawing out the life of borrowers loans. I work in a loan department with a large bank, and even I find the information that navient provides about applying payments extremely confusing and misleading.
Consumer complaint received 2023-09-14
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. (NJ)

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 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 '', let 's 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 and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports 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 For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-06-13
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. (PA)

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 2023-06-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (FL)

Pursurant to 3-501. PRESENTMENT, 3-311. ACCORD AND SATISFACTION BY USE OF INSTRUMENT, XXXX. OBLIGATION OF ACCEPTOR ( b ). 
This Account has been paid in full and still pending submission of the satisfaction from Freedom Mortgage to file with XXXX deed records.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX  Account # 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 2022-11-19
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 Report Act, The list of accounts below has violated my Federally Protected consumer rights to Privacy and Confidentiality under 15 USC 1681 XXXX XXXXXXXX Account Numer XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX 15 U.S.C 1681 Section 602 States I have the right to Privacy 15U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without 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 or any other adverse item of information other than a record of convictions 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 any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate
Consumer complaint received 2018-05-02
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: General Financial, Inc. (MO)

I called the company on XX/XX/2018 to work out payment arrangements. After finding out the original creditor went out of business and merged with XXXX XXXX XXXX I call to work out a payment plan. After going through the verification process they told me my agent was a woman named XXXX. After speaking with XXXX I informed her that I could make a payment of {$50.00} and start to make monthly payments to satisfy the debt. She informed me that they could not make payment arrangements or partial payments and the debt needed to be satisfied in full or she would turn me over to her legal team and that it could have negative impact to my credit. She then stated that they would need to do an asset verification on me to see where they could transfer the debt to another one of my accounts that has nothing to do with this debt. At this time I got off the phone with the lady, due to the statements she was making.
Consumer complaint received 2023-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FISERV INC. (MI)

On XX/XX/XXXX, I was offered a work from home job with CardConnet as a XXXX XXXX XXXX XXXXXXXX position via text from a XXXX XXXX and asked if I wanted to proceed with an online interview. I just signed up for a couple job sites a day before so I had no reason to think it was a scam. The interview was through XXXX. He introduced himself as Hr Hiring Manager XXXX XXXX and explained the job and the role. I was told I was going to get sent a check for {$2400.00} so I could get an encrypted laptop and the programs required. On XX/XX/XXXX I deposited the check via mobile deposit into my bank, XXXX XXXX XXXX, and then was informed the vendor, XXXX XXXX, wanted to use XXXX as the form of payment to get the equipment needed. After the check became available in my account on XX/XX/XXXX, I transferred the funds from my XXXX bank to XXXX. After about 5 failed attempts with the XXXX payment, I was getting frustrated and told them I was over it and that I just wanted to send their money back. So, I was given the vendor, XXXX XXXX, bank information for a wire transfer, which I sent within the same day. I used my XXXX debit card to make the wire transfer. Today, XX/XX/XXXX, I received an email early morning saying the wire transfer from XXXX XXXX was completed. This afternoon, I received a call from my bank, XXXX, informing me that the check was fraudulent and now my bank account is negative {$2400.00}. They also informed me that a legit job would automatically supply me with what I need to start work and that I got scammed, and unfortunately they see a lot of it. I was told to reach out to XXXX and XXXX XXXX to see if they can cancel/refund the money. I did a dispute with XXXX, and XXXX said to contact the recipients bank, XXXX XXXX XXXX, since the transfer was completed on their end. I also did a fraud claim with XXXX XXXX. I finally got a hold of XXXX XXXX XXXXXXXX and told them the situation. They told me that unless I'm on the recipients account, there's nothing they can do about it and they apologized for what happened to me. They suggested I submit a fraud claim through my bank even though they called me. I ended up doing that and answering the questions to the best of my knowledge. I was hoping XXXX XXXX XXXX would accept the recipients information given to me to cancel/refund/flag the transaction but they didn't really seem too concern that somebody banking with them was scamming people.
Consumer complaint received 2018-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (PA)

Received a collection letter from Retrieval-Masters Credit Bureau , Inc. on XX/XX/2018 representing XXXX XXXX for {$300.00} stating is a past due amount. No charge date or purchase date listed as well as any other pertinent information. We don't owe this company anything. Also this is the first such implication of the " debt '' sent to us. Called XX/XX/XXXX at XXXX XXXX. First spoke with XXXX who said the dates she has " don't look right so I'll check. '' Put on hold then phone went dead. Called back and spoke with XXXX who was belligerent and condescending and then hung up. Called back and got XXXX who said he'd go on-line to investigate. Told me " we have no info and you need to call XXXX. '' I contested that and finally he said he would call to investigate and get back to me " in 24 maybe 48 hours. '' Has not returned call. I called XXXX   earlier today and am filing this complaint as instructed. Collection agency information is : Retrieval-Masters Creditors Bureau , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

The American Express platinum credit card charges and annual fee. You receive certain benefits as part of the fee. One of them is access to the XXXX XXXX at airports. Until XXXX, they never charged a fee for a guest. Now they do. However, there was no mention of a new fee when they charged me in XXXX for my annual fee. This is misleading, deceitful and had I known, I would not have tripped for this year. 
They will not refund my fees nor will they answer my discussions via chat, despite listing it as a customer contact channel.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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