davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-10
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (OH)

First, some of your choices did not apply to my problem. I only selected them so I could proceed.     The first paragraph below is my first contact with the  XXXX  of Ohio  XXXX . General regarding GC  XXXX   XXXX  Partnership/Gulf coast Services/ Operations Division. They in turn, contacted them about my complaint. I have attached a copy or their atty 's response. Below  is a summary of my problem : FAIR DEBT COLLECTION PRACTICES ACT. I have student loans. Through a collection agency I made arrangements for pmt in  XXXX   XXXX  and was assured by employee, that I was not certified for my tax refund to be taken. It was. On  XXXX  the agency mgr said he would listen to recorded ph calls & get back to be by  XXXX . He did not and will not respond to my calls.   To me, this deceitfulness regarding the offset and the refusal of the mgr to return my call is a blatant violation. In return, the atty said he has been disciplined. You do n't discipline someone of they are NOT GUILTY! Please review the attachment.     In addition to the above matter, my initial contact with the agency was with agent  XXXX   XXXX . We did not have a congenial conversation and when she hung up, she called me back and called me a  XXXX . I suspect it was on her personal phone, and so it ca n't be proven. However, I believe it was on  XXXX   XXXX ,  XXXX  about  XXXX . Those calls could be listened to. I had also told Mgr.  XXXX   XXXX  about this in my conversation with him on  XXXX   XXXX ,  XXXX . I 'm confident this was covered up as well.     I look forward to your response.      XXXX   XXXX
Consumer complaint received 2022-11-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

My credit score and complete credit history was deleted overnight. All of my active accounts have been deleted. I summited a complaint through experian and received an email saying that ... Experian does not have enough information in your credit report for FICO to calculate a score No activity has been reported to the bureau within the past six months ( not including disputed information ) Your credit report has over XXXX accounts on it A creditor has reported you as deceased None of these 4 reasons are true to my case. There is no reason my fico score should have been erased. 

Also experian refuses to correct my birthday even after I sent them a photocopy of my driver 's license and social security card. My correct year of birth is XXXX and not XXXX.
Consumer complaint received 2017-05-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UMPQUA HOLDINGS CORPORATION (OR)

I file a complaint, your case number,  XXXX , and all that 's sufficient for you is for this bank to respond regardless of their response. Does n't matter that I am satisfied from the wrongdoing this bank did. They respond, you close the case. That 's good enough for the CONSUMER FINANCIAL PROTECTION BUREAU? And then I ca n't even respond or give you feedback because that link is broken. Pathetic. You 've effectively created a website that serves little to no purpose. I 'm still not satisfied and fully expect you to force this bank for a complete and full refund
Consumer complaint received 2022-10-31
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. (FL)

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 deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-27
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)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigated but how is that possible? if the open date is inaccurate, the date last active is inaccurate, account types are different, and date last reported is not accurate. This ground for removal they also violated my rights under 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 instruction.

Also the credit bureaus took more than 30 days to complete my investigation I SUBMITTED A COMPLAINT WITH THE XXXX I SUBMITTED A COMPLAINT WITH THE ATTORNEY GENERALS OFFICE AND THESE COLLECTION AGENCYS ARE VIOLATING MY RIGHTS This was not a proper investigation 15 U.S.C 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

This is a violation please remove accounts
Consumer complaint received 2017-05-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

In   XXXX   I applied for student loans through  XXXX   XXXX  which is now Navient. I am now in debt for about  XXXX . At  XXXX  in   XXXX   I did not establish credit so my parents consigned my loan for me. My parents have always had  XXXX   credit score  but Navient/  XXXX   XXXX   still gave us a very high interest rate of 24 %. It was n't until recently when I lost my job and was able to lower my interest rate. Every time I 've called in the past their only option for me is to refinance the loan or use another loan company to pay off the loan and start paying them. I 've been researching online about the lawsuit out against the private loan company. I feel like I was wrongly represented by Navient and was given a high interest rate off the bat even though my parents had excellent credit. I have been struggling to pay off such a large around and it has affected my credit. If there 's anything that can be done for me to get this loan forgiven I would truly appreciate anything that can help
Consumer complaint received 2022-11-27
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. (PA)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigated but how is that possible? if the open date is inaccurate, the date last active is inaccurate, account types are different, and date last reported is not accurate. This ground for removal they also violated my rights under 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 instruction.

Also the credit bureaus took more than 30 days to complete my investigation I SUBMITTED A COMPLAINT WITH THE XXXX I SUBMITTED A COMPLAINT WITH THE ATTORNEY GENERALS OFFICE AND THESE COLLECTION AGENCYS ARE VIOLATING MY RIGHTS This was not a proper investigation 15 U.S.C 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

This is a violation please remove accounts
Consumer complaint received 2017-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I never do this but my disappointment in USAA is extreme. I have been a member for 20 years. I was an employee for 6 years, and for the life of me I ca n't understand the way this bank has changed. Today I made a mobile deposit using a money order. Without prior warning before the deposit, my funds were put on hold for a week. I make this same transaction every month to pay my rent but for whatever reason this time my funds have been placed on hold. I was transferred to the executive resolution team and was told they will review for an exception. I was denied this because, I do n't deposit enough money to get the exception. What kind of treatment is this? I have a direct deposit every  2  weeks, and the solution I was given is to apply for a USAA credit card or borrow the money. Unbelievable USAA. What is the difference between you and  XXXX   XXXX  or  XXXX  or any other big bank that only cares about their profits. Do you even remember what it means to serve? What does  XXXX  stand for USAA. Lesson learned. Sure my rent check will be returned and you will charge a NSF fee as well as whatever fees my landlord is going to charge. Thanks  XXXX
Consumer complaint received 2023-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Williams & Fudge, Inc (PA)

I got a call tonight ( XX/XX/23 ) around 7. They called my cell and went right into this is a call trying to collect a debt for a debt i owned a XXXX XXXX. I said that i would like more information on loan and the amount. She said that i already know these things and that they already sent it over. I said could you send it over again i never got it, so i could verify the debt and the creditor. She said they work for XXXX XXXX and that they DID NOT PAY for the debt. I asked how that could be true since it's in collections and she gave me the ring around. I said I would look over the email they sent a week ago ( XX/XX/23 ) I felt lied to and pressured. I know my rights and i know they were not honored. 

Williams & Fudge , Inc. are the ones who emailed me and called me.
Consumer complaint received 2023-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (PA)

Just in the past 90 days Wells Fargo charged me 4 overdraft fees that are not legitimate. 2 of the fees had occurred when I transferred money from my checking account to my saving account, both accounts are Wells Fargo. I wouldn't have been able to transfer the money if it was not available! The other 2 fees were when I XXXX my husband, also... I wouldn't have been able to process the XXXX transactions if the funds were not available at that moment. I attempted to contact Wells Fargo and they were of no help! The young man just said Sorry for the inconvenience a dozen times. I had explained that I understood that had a check been outstanding or something, overdraft fees can happen, but both these actions happen in real time and would have been stopped if the funds were not available at that moment.
Consumer complaint received 2017-05-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have filed numerous complaints against Capital One bank for stolen customer 's deposit back to XX/XX/XXXX. Most recently on XX/XX/XXXX I filed police report with XXXX Police Department to ask stolen funds to be back. As I stated before I do NOT know Theft XXXX XXXX. I never authorized her to do anything on my behalf. Attached please find police department letter and my numerous times contact with Capital One to ask stolen funds to be back plus criminal prosecution against XXXX XXXX. Capital One did NOT respond for my most recent complaint. I am asking {$45000.00} principle including 20 % interest starting XX/XX/XXXX and XX/XX/XXXX. Personal time {$5000.00}. Travel expense {$200.00}. Pain & Suffering XXXX XXXX.
Consumer complaint received 2023-01-08
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. (GA)

I have tried with XXXX on many different occasions to have world finance removed from my credit.the accounts have been closed since XXXX of 2020 but somehow the balance has been increased almost every month! I have reached out to have this removed but they say the balance has been verified. I will be filing a lawsuit If this don't be removed. They are not following consumer laws
Consumer complaint received 2022-11-26
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Company has misused my trust & attempted as a pre-requisite in response to a previous complaint to issue a XXXX Bank of America XXXX XXXX & XXXX attacked me to get me to have a " mortgage loan preapproval '' while refusing to show fees from account XXXX & previous savings account ending ( unknown ) I do not want a home mortgage loan & I don't want any loan from this bank, given the predatory nature I'm sick of the way it is doing business in an effort to XXXX consumers even more. 

This happened yesterday & the Bank of America failed to close account ending XXXX on XX/XX/XXXX in an effort to extort fees from oconsumer
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried with XXXX on many different occasions to have world finance removed from my credit.the accounts have been closed since XXXX of 2020 but somehow the balance has been increased almost every month! I have reached out to have this removed but they say the balance has been verified. I will be filing a lawsuit If this don't be removed. They are not following consumer laws
Consumer complaint received 2023-02-07
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX 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 2022-11-26
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. (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 XXXXXXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, DEPT OF EDUCATION/XXXX  : # XXXX ( This will be all XXXX accounts starting in 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 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 2022-11-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MD)

On XX/XX/XXXX, I went to settlement to sell my house at XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. I found out at settlement that there was an unmarketable title or cloud on the property. I could not sell my home until the title issue was resolved. XXXX XXXX, Real Estate Attorney, initiated a Quiet Title Action on my behalf to resolve the title issue. On XX/XX/XXXX, XXXX XXXX XXXX, DC XXXX XXXX, Civil Division issued a court order confirming that I am the sole owner of the property and confirming that the Transfer on Death Deed is valid. The case number is XXXX XXXX XXXX XXXX XXXX XXXX ). The prospective buyer has been living in my house since XX/XX/XXXX because she had already given notice to her landlord about her vacating her apartment. I moved from the house to an apartment in XXXX XXXX  for medical reasons. The buyer, XXXX XXXX, and her agent, XXXX XXXX experienced continuous delays in the loan approval process for several months. The buyer 's loan involved a home inspection and submission of paperwork to a state organization in XXXX XXXX XXXXor a Home Purchase Assistance Program ( HPAP ) related loan. As of XX/XX/XXXX, her loan is still pending approval by the bank. I could not afford to pay a {$2300.00} rent and the mortgage at the same time. On XX/XX/XXXX, I was informed by my lender, LoanCare, that my home went into foreclosure on XX/XX/XXXX. I want to do whatever is possible to prevent foreclosure of my home. I plan to submit a Mortgage Assistance Application to LoanCare to delay foreclosure until the home can be sold to a qualified buyer. I want LoanCare to inform me of all options to prevent foreclosure of my home. I did not receive any written correspondence from LoanCare in reference to the pending foreclosure.
Consumer complaint received 2017-05-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In the past I have notified Transunion and  XXXX  that I have never attended college in  XXXX , Wa and I would like the student loans that are from  XXXX   XXXX  removed from my credit report that are listed.     I also would like the loan consolidation acknowledged on my current credit report as loans paid off, not going under another name.     Thank you.    XXXX   XXXX
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I have contact this company serval times with either no responds or lack of this is affecting my ability to do business with other company 's. Can you please contact this company and have them to remove this incorrect information as soon as possible.
Consumer complaint received 2017-05-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION (IL)

XXXX   XXXX   I attempted to make a withdrawal from an atm for {$200.00}. The ATM only dispensed {$20.00}. I contacted  XXXX  by phone and explained to them the issue. I was told to go to another ATM and try again.  XXXX  minutes later by the time I arrived at another ATM they had locked my account leaving my family without access to ANY money for  XXXX .     After many hours of arguments with  XXXX , they closed my account. They agreed to send me a bank check.but without any way to cash it, it would not help me at all for the holiday. The sent a check fedex that was not received. the replacement was sent with signature, we received that one. The check received was not for the full amount in the account. The check was for  XXXX  not the balance in the account. I was told they would send me the balance in a week or  XXXX . It is now  XXXX  The current balance shown does not take into account As of today the account shows a balance of  XXXX  that does not take into account the check for  XXXX  sent on   XXXX   XXXX    The current balance should be {$370.00}.   I have been trying for weeks to get this cleared up and keep getting canned and at time rude responses.     It has now been 6 months I do not understand why they are doing this to me.