davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NY)

I declared banckruptcy court on XXXX XXXX and case was discharged of debators on XXXX, XXXX. I contacted Citibank whom I had the home equity loan with in XX/XX/XXXX there is no record on file at all. Contacted Citibank after bankruptcy and they refused to speak to me and Citibank stopped sending and pymts. 
They stated that another servicing company might have my account since it is so old the company name is XXXX. Contacted this servicing company as well an they said no contact information is on file I don't exist at all. 
There is lien on my home property that I would like to be removed. If I could please have a release of lien via XXXX and a satisfaction of mortgage. Also if there was a charge off done from Citibank.
Consumer complaint received 2021-05-20
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: Universal Envoy Corporation (MD)

I have received a copy of my credit report and it shows company UNIVERSAL COLLCTION SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$360.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-20
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: TRUIST FINANCIAL CORPORATION (NC)

I have received a copy of my credit report and it shows company REGIONAL ACC account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$19000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2023-08-10
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. (AL)

In accordance with the Fair Credit Reporting act 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2021-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

XXXX XXXX sold my loan in XXXX to XXXX. XXXX XXXX sent me a goodbye letter stating XXXX was my last payment. XXXX sent me a bill for XXXX. I paid XXXX for XXXX and called XXXX XXXX and the customer service rep said XXXX will notify us and everything will be ok, it takes time. XXXX comes around and I get a bill from XXXX XXXX  I called customer service and they said XXXX will notify us and everything will be ok, it takes time. In XXXX a manager called me and told me I need to pay XXXX XXXX for XXXX. So I paid.I now have 2 mortgage payments ( {$6000.00} ) for XXXX and nobody wants to take responsibility. 

In XXXX XXXX XXXX send me to the Credit Agencies for 30 days late with a {$0.00} balance. I paid the bill in XXXX and the rep said nothing was going to be reported. 

Neither company will take responsibility and keep, pointing the finger and their customer service is worthless.
Consumer complaint received 2024-03-26
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)

I am the agent XXXX, XXXX XXXX for the Principal XXXX XXXX making an attempt to opt of reporting services for the XXXX  XXXX Account Number ending in XXXX with Equifax. The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to 15 USC 6801. 15 USC 6801 states that It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX is a financial institution by definition in accordance with 15 USC 6801.

15 USC 1681 section 604 ( a ) section 2 references In general Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX who is the financial institution and the consumer reporting agencies reporting on this account ( Equifax ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Equifax and XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option. 
Additionally, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is in fact an adverse item they are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states that 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 information is inaccurate. Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX XXXX XXXX XXXX Dear USAA Underwriting I would like to ask you to reconsider my application for your Preferred Cash Rewards credit card. I recently applied and I was rather surprised to receive a denial regarding my application. Due to the numerous positive reviews shared by my family and friends with respect to this card, I would like to share some more information with you in hopes of obtaining an approval. 

In your letter, you listed that the reasons for the denial were : - Presence of a bankruptcy - Time since most recent bankruptcy is too short - Insufficient number of open real estate loans recently reported - Total available credit on recently reported open bankcard accounts is too low However, I would like to shed some more light and update some of these issues. Firstly, one of the reasons I have a bankruptcy due to almost losing my battle with XXXX by attempting to XXXX XXXX. I was in the XXXX for one week, and I had just started a new job so the medical insurance had not kicked in. The hospital Bill was XXXX XXXXXXXX and immediately put me in debt. Filing for bankruptcy was the only option to remedy the issue. 

To add, Its been 4 years since filing for bankruptcy, and as you can see, I have rebuilt my credit and boasts a 100 % payment history on all 15 positive accounts. 

Additionally, I do not have any real estate loans as I have never wanted to be a homeowner. However, Im interested in purchasing a couple homes and multi family properties for the sole purpose of XXXX and XXXX temporary rentals. Im currently in the process with XXXX XXXX of gaining my first mortgage pre-qualification. 

Furthermore, you stated the total available credit on recently reported open bankcard accounts is too low. This doesnt make any sense when all of my cards are under 30 % utilization. For example, I have a XXXX XXXX credit limit on my XXXX XXXX XXXX XXXX cash rewards is only XXXX XXXX, which is 15 %. My XXXX XXXX XXXX is {$300.00} balance out of {$3500.00}, which is only about 8.5 % utilization. 

The Preferred Cash Rewards credit card will prove especially useful to me because I travel a lot and the no foreign transaction fee feature is a great fit for me. Also, the 1.5 % cash back can be put towards the principal balance due every month. 

I sincerely believe that I deserve a chance with this card. Not only did I rebuild my credit within 6 months, but I currently gross {$140000.00} annually, and I have a pretty robust stock portfolio weighing in at {$39000.00}. I also have accounts with XXXX XXXX, XXXX, and XXXX Bank. If you are willing to give me a chance, you can even start me with a low credit line of {$5000.00} so I can prove to you my reliability and loyalty to this bank. My checking account currently has a balance of {$10000.00} to show Im worthy. 

I thank you for your time and reconsideration and I hope to hear back from you soon. 

Best, XXXX XXXX, XXXX
Consumer complaint received 2021-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co. (IL)

I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
Consumer complaint received 2021-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (OH)

On XX/XX/2021 I reviewed my credit report with XXXX. I had noticed a collection item was placed on there for XXXX XXXX in the amount of {$6800.00}. Account number displayed was XXXX. I called the collections agency which was named Enhanced Recovery CO L with a phone number XXXX. I spoke to the Office of the President. I advised the rep who answered there are multiple violations regarding the FCRA. Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you ERC has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Also ERC did not send me a letter in writing to give me any notice of such debt. They are legally to send me a letter in writing allowing me 30 days to dispute the validity of a debt in which they did not. They put it on my credit report with no notice. 

I requested proof bearing any documents with my signature on it with ERC 's company documents or any letterhead. They have been unable to provide proof of my signature on any of thier company documents.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-06-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I submitted this request for a reinvestigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update/correct the following accounts from my file. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$40000.00}, XXXX XXXX XXXX XXXX Balance : {$4800.00}, XXXX XXXX XXXX XXXX Balance : - {$0.00}
Consumer complaint received 2021-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have information to rectify my dispute from the creditor but XXXX and trans union has blocked my account when trying to file a dispute online. It states it has a problem accessing my credit file. Yet, I can login and review my report but when it comes to the dispute, XXXX cant access my credit file and transunion keeps suspending my account because I have been disputing this account religiously. Im pretty sure if the shoes were on the other foot they would be doing the same for inaccurate reporting on their account over 2 years.
Consumer complaint received 2022-11-02
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. (TX)

In accordance with the Fair Credit Reporting Act. The following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. Account name : XXXX XXXX Account number : XXXX Account name : 15 U.S. Code 1681 asserts : 15 U.S. Code 1681 Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX XXXX ( a ) ( XXXX ) I have the right to privacy. 
15 U.S. Code 1681 Section 604a Section 2 : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c ( a ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) 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. Code 1681c ( 6 ) ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) : 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 2021-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint Description : Refund of extra {$1500.00} deducted from my account and sent to *********Claim number # XXXX I had purchased an item from Mr XXXX and paid via XXXX XXXX the XXXX of XX/XX/XXXX The initial XXXX transfer did not pull through, evidenced by no deductions from my account and non payment to Mr XXXX XXXX account. I called BoA at XXXX XX/XX/XXXX but received no response. I had to repeat the transaction, and this time I received text message confirmation request which I confirmed. The transfer went through this time. The next day XX/XX/XXXX, I rechecked my account and noticed that Mr. XXXX had been paid twice adding up to {$3000.00} instead of the one confirmed {$1500.00}. I called BoA thrice on XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX  and again received no response. The next day I called and was given a claim number, that would be settled within 10 days. I alerted offerup the buying platform myself and Mr. XXXX used. I also contacted Mr. XXXX via the platform. BoA could have halted the transaction, but did not. After 10 days, I called again and this time I was told the bank bears no responsibilities whatsoever and they can only reach out to the other bank and wait for a response for the next 90 days. This response does not promise a refund. I explained to them that if the XXXX platform on BoA website was working perfectly, and if they had responded to their calls, this would not have happened and as such the bank does bear responsibility for the inefficiency of this transaction. Situations like this are not uncommon with BoA Mr XXXX has since closed his page on offer up, his phone number XXXX has since been unreachable. 

As proof that transactions like this occur regularly with BoA, I had another one today. Tried over 10 times and called them twice today alone, spending days on a transaction that should have been less than 5 minutes. 


I reached out to the XXXX and was referred here
Consumer complaint received 2023-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, STATE OF MI OFFICE CHI XXXX Balance : {$70.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2024-03-26
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)

I am writing to assert my rights as a consumer regarding inaccuracies on my credit report, which I believe violate provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 sections 602 and 604 ( a ), as well as the Fair Credit Billing Act ( FCBA ) under 15 USC 1666B.

Per 15 USC 1681 section 602, I have the right to request the disclosure of my credit report and any information contained therein. Despite exercising this right, I have discovered inaccuracies on my credit report that are adversely impacting my creditworthiness and financial well-being. These inaccuracies were found in [ specify the items or accounts in question ].

Moreover, under 15 USC 1681 section 604 ( a ), I am entitled to accurate and complete reporting by consumer reporting agencies. However, the inaccurate information on my credit report provided by [ Name of Creditor/Collection Agency ] has not been rectified, despite my efforts to dispute the entries. This failure to ensure the accuracy of the information being reported has resulted in unjust consequences for me as a consumer.

Furthermore, pursuant to 15 USC 1666B, I am entitled to fair and accurate billing practices. The erroneous reporting by [ Name of Creditor/Collection Agency ] has not only damaged my credit score but has also led to unwarranted financial repercussions due to the misinformation provided.

I urge the Consumer Financial Protection Bureau to initiate an investigation into this matter and take appropriate action to enforce my rights under the FCRA and FCBA. Specifically, I request that [ Name of Creditor/Collection Agency ] be compelled to correct the inaccuracies on my credit report and refrain from further violations of federal consumer protection laws.
Consumer complaint received 2021-05-20
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. (IL)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Consumer complaint received 2017-05-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

I paid half of the total amount owed as agreed between myself and the original creditor. They agreed this about would 100 % settle the debt. They took my payment then several months later placed the derogatory information on my credit and added approximately {$1000.00} in fees.
Consumer complaint received 2021-05-20
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. (VA)

I have been trying to dispute and remove late payments on 2 accounts that are not accurate since XX/XX/2021. Since none of the bureaus responded to me within the 30-45 days they're allotted, I sent a 2nd dispute to them on XX/XX/2021. I'm still waiting, well over the 45 days ; today is XX/XX/2021. This is not okay for a company to completely ignore a consumer the way the bureaus have ignored me!