davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My complaint is against Bank of America ( BOA ), I have a Home Equity Line of Credit with Bank of America. In XX/XX/XXXX, at the end of the forbearance period, I was informed by them that I needed to apply for a modification to exit the forbearance period. I was not informed of any other option. This was confirmed by BOA representative, XXXX, on XX/XX/XXXX. 
When I verbally requested the deferral option a BOA representative told me that I did not qualify for the deferral option. BOA has refused to grant me the deferral option I chose to exit the Covid forbearance period. I requested help from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), a HUD-certified housing counseling agency , and they assisted me in drafting a letter to BOA in which I pointed out that I had the right to choose the exit option to the forbearance period, see attached. I have never received a response from BOA to this letter, and in a verbal follow-up a BOA representative informed me that BOA only responds to correspondence from a lawyer.

I have subsequently been notified by BOA that I did not qualify for a modification because my credit score was too low. I was not informed of the requisite credit score for qualification. 
Did I not have the right to choose the deferral option for the forbearance exit or how was I supposed to qualify for that option? BOA did not ever tell me the criteria for the deferral option. 
In XX/XX/XXXX, I resumed making payments, I noticed those payments did not appear to be applied to my current balance ; a BOA representative informed me that my payments were being applied to the missed forbearance payments. 
I am filing this complaint as I believe BOA deliberately misinformed me of the possibilities for the forbearance exit and steered me towards a modification I could not qualify for.
Consumer complaint received 2022-11-07
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. (VA)

In accordance with the Fair Credit Reporting Act. The list lif accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX., XXXX XXXX XXXX, XXXXXXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer reporting 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In Accordance with Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX and 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 2 : It also states a consumer reporting Agency can not furnish an account without my written instructions. It also has another violation having late payments being reported on my account ... .15 USC 1681- ( 2 ) ( A ) ( I ). ( 2 ) EXLUSIONS ( A ) subject to section 1681s-3 of this title, Any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a Violation of the FCRA to report " Late Payments '' as that is a transaction. In 15 U.S.C. 1681a definition ( a ) the term " Consumer '' means an individual and ( b ) term " person '' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. I have been violated by the credit bureaus and this is hurt my credit and this causing me to be denied credit. And I want these accounts removed immediately!!!!
Consumer complaint received 2023-06-22
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX. 
[ XXXX, XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Assistance XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Cease and Desist Request for Sharing of Personal Information Dear XXXX, Equifax, and XXXX, I am writing to formally request that you cease and desist from sharing my personal information with third parties, as allowed under the Fair Credit Reporting Act ( FCRA ). I hereby exercise my right to opt-out of the sharing of my personal data for marketing and promotional purposes. 

Please take immediate action to ensure that my personal information, including but not limited to my name, address, social security number, and credit history, is not disclosed or shared with any third-party entities without my explicit consent. 

I understand that the FCRA grants you certain rights to share consumer information for specific purposes such as credit evaluation and underwriting. However, I am exercising my right to restrict the sharing of my personal data beyond these permissible purposes. 

I request that you confirm in writing that my personal information will be removed from any mailing lists, telemarketing databases, and other marketing channels, and that you will refrain from sharing or selling my information to any third parties for promotional or marketing purposes. 

I expect your full compliance with this request within 30 days of receiving this letter. Failure to honor this request will be considered a violation of my rights under the FCRA, and appropriate legal action may be pursued. 

I appreciate your attention to this matter and trust that you will promptly adhere to my request. Please provide written confirmation of your compliance at your earliest convenience. 

Thank you for your immediate attention to this important matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-23
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. (CA)

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (AL)

On XX/XX/XXXX, I contacted EdFinancial to request a refund for the payments that I made during the COVID Payment Forbearance, when payments were not required. I made payments from XX/XX/XXXX- XX/XX/XXXX before my loans were transferred to XXXX. The total payment amount I made during this time period was {$26000.00}. I received no email or paper correspondence confirming that my refund request was actually submitted. On XX/XX/XXXX, I reached out to EdFinancial again to confirm that the request was submitted. I received a email back from " XXXX '' with the following message : " Our records indicate that your request was submitted on XX/XX/XXXX. Please allow 7-10 business days for review, and 60-90 days for processing your refund. We will notify you if anything else is needed. '' After over 90 days had passed, I reached out to EdFinancial again on XX/XX/XXXX. I spoke to agent " XXXX '' on their virtual chat. I was provided no further information, other than my request was still " processing. '' She was not able to give me an estimated completion date. When I asked when I should follow up again to ensure my request does not get lost, I was told " there is no need to follow up again until the request has been processed. '' My loans are currently pending transfer to XXXX, and when I asked if this would cause a problem with the processing of the refund, the agent was not able to answer this question. 

My loan balance has not increased since requesting the refund. I have received no correspondence from EdFinancial on its progress and I was given no estimated date when I should see my loan balance increase, or when the refunds would be processed. I have no physical proof than my refund was ever submitted and I have very little faith that I will get any amount of my payments back, even though the federal government has stated that these payments can be refunded.
Consumer complaint received 2023-06-22
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. (GA)

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 15USC 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 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 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. 1681 s-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 metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-22
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. (CA)

Hi im asking for a One time courtesy for one late that hit my account as stated on the letter that i got XXXX the same month i was hit with late on my account and i was never late with any of my accounts.
Consumer complaint received 2024-11-18
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. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Plus Inc (CO)

Credit Plus ( a company that I keep receiving junk mail from ) keeps pulling hard credit inquiries on my account without my permission. I have disputed this several times with the reporting agencies to no avail. How do I stop this unethical and unauthorized hard credit pull from continuing to happen??? 

Credit Plus pulled hard inquiries on my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all without my knowledge or permission. 

This needs to be stopped!
Consumer complaint received 2024-03-23
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. (NC)

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 ) 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (PA)

I am being robbed by a merchant and their employees of {$3600.00}. Wells is profiting off of the interest accrued over the last year of me fighting the charge. They are refusing to reverse the fraudulent transaction. This is causing me financial harm and harm to my once perfect credit. Theyre essentially holding my credit score hostage and asking for $ XXXX ransom. Why should I be out {$3600.00} plus the interest and fees accrued while I fought this? Because I dont want to be a victim? That's XXXX.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

XXXX XXXX ( a company that I keep receiving junk mail from ) keeps pulling hard credit inquiries on my account without my permission. I have disputed this several times with the reporting agencies to no avail. How do I stop this unethical and unauthorized hard credit pull from continuing to happen??? 

XXXX XXXX pulled hard inquiries on my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all without my knowledge or permission. 

This needs to be stopped!
Consumer complaint received 2024-03-23
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. (TX)

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

Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My mother passed away on XX/XX/2022. I caught XXXX after. All of my incoming funds were going towards helping bury my mom and cover my expenses since I was not working. Capital One contacted me and set up an arrangement due to my circumstances to help me catch up. They then closed my account and reported it negatively to my credit. Their employees are lying and misleading consumers when they are at their lowest points. This is a hit when I am already struggling to get my credit back. I needed help not to be lied to. They called me pretending to help me when Im fact they had already closed my account. Very underhanded
Consumer complaint received 2018-12-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

The forced re-fi MORTGAGE initiated as XXXX, NOT XXXX as the investor. We are dealing with from the beginning CRIMES set forth by loan officer " XXXX XXXX '', who was let go from Citizens Bank and now is with XXXX XXXX XXXX. It's is at a criminal level which a Judge has no choice but to expunge on all authorities to control in devious fraudulent pool who has its own they sell of the MORTGAGE to knowing they will maintain as a different entity to maintain, closely monitor, and perform mastered coding all in their criminal educated bank fraud certificates in which will call themselves excused since they were a part of the re-development of the stock market crash, of the loan scam and therefore as stated mortgage was placed in a special pool with other illegal loans? Prior to foreclosure sale of said property The bank " who claims not to have been lien holder did in fact deny my buy out of debt owed. They didn't own it and they did not owe anything on it. The money was re-paid years prior with the illegal investment made on XXXX XXXX they have co-mingled in with other loans.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Healthcare Receivables Group, Inc. (NC)

On XX/XX/2018, HCRVGRP. ( Heath Care Receivable Group ) ( collection agency ) reported an inaccurate debt to all 3 credit  bureaus. ( I do not owe the debt reported ) They were made aware this information was not correct and sent a delete letter to all three bureaus. I was told it can take up to 90 days for the inaccurate reporting to delete. The Information was deleted from all 3 within 30 days. Great right um no. The problem is on XXXX XXXX  HCRVGRP rereported the false information to XXXX  again causing my Credit score to drop. XXXX points. They have information from the original creditor acknowledging the debt is not owed. I called and spoke with HCRVGRP on XX/XX/18 I was told the would resubmit delete later to XXXX  for the second time. Meanwhile, it can take up to 90 to fix the error once again. I'm currently in the home buying process and can not afford mistakes like this. This error put a major ding on my credit report and home buying process for the second time. Please help