davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA") (CA)

NACA promises you can apply for a mortgage if you spend hours attending seminars and going through and around hoops and red tape. I did all this in XX/XX/2017. I met with NACA Counselor XXXX XXXX in XX/XX/2017. I also paid membership fees at this time. He told me I could qualify for any amount ( up to their maximum non-jumbo limit ) once I was ready. 

Three years later, I decided I was ready. On XX/XX/XXXX, I was given a new appointment with NACA Counselor XXXX XXXX. Because of COVID-19, it was distantly set on XX/XX/XXXX at XXXX XXXX PST. On XX/XX/XXXX, I emailed XXXX and XXXX to confirm my appointment. Neither responded. 

On the day of the appointment, I called the phone number for my appointment. No one answered so I left a voicemail. Instead of a call back, I got an email saying I got pushed to XX/XX/XXXX. Ms. XXXX did email asking how she could help. I've written her three times and she has never responded. I've also tried multiple times calling/emailing the national center for help. None of the phone numbers get me to a live person. Each email I response I receive asks me not to reply to their response ( even though their response does not address my email ). 

I feel like this company is denying my access to apply and they are misrepresenting what it takes to apply for a mortgage. I also wonder if some sort of discrimination is taking place.
Consumer complaint received 2018-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I am currently repaying my loans under the Income-Based Repayment program through FedLoans and I will be eligible for Public Service Loan Forgiveness after  making my 120th qualifying payment on XX/XX/XXXX. My issue is that FedLoans has, on more than three occasions, inaccurately calculated the total number of qualifying payments that I've made. I contacted them on XX/XX/XXXX, with evidence of a full audit that FedLoans themselves completed in XXXX that accurately reflected the total number of qualifying payments I had made at that time. They have yet to adequately respond to my inquiries over the past year and I am now 10 months away from applying for PSLF and they still have an inaccurate total count of my qualifying payments.
Consumer complaint received 2020-06-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

on XX/XX/2020, I sent a validation letter on XX/XX/2020 @ XXXX XXXX my letter was received by the company. 

the letter states " If you fail to respond to this letter within 30 days of receiving it all references to this account must be deleted and completely removed from my credit file and a copy of such deletion requests shall be sent to me immediately '' on XX/XX/2020 a letter was sent to me by this company including billing statements from the credit card company. but not what I listed in my letter. In my letter I asked for a list of TEN things and I states " Please keep in mind, Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. ( 10 items ) '' Not only did they respond way PAST the 30 days but they also did not even send the 10 items I asked for.
Consumer complaint received 2023-12-07
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. (OH)

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 XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 2023-01-16
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. (CA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the XXXX whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX BANK XXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$430.00}.
Consumer complaint received 2023-01-16
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. (LA)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX 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
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Santander Consumer USA Holdings Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Santender I have sent disputes to each agency and they are not sending verification of how the accounts are valid and they need to delete them from file because there is no contract and they have been paid.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

Fair Collections & Outstanding Inc XXXX XXXX XXXX XXXX I have sent disputes to each agency and they are not sending verification of how the accounts are valid and they need to delete them from file because there is no contract and they have been paid.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MA)

XXXX XX/XX/XXXX at XXXX XXXX XXXX  I deposited money at Chase Bank ATM The ATM malfunctioned ate some of the money and spit out some i deposited {$4300.00} but spit out XXXX And screen said Out of service and didn't give meReceipt and lost {$2500.00} I immediately went inside the Branch notified the Banker and explained to him what happened he said to me it happened to the other customer on Saturday and he will take care of it he tried to reach Credit card department he was un able to get some one at the time and it was late he said he would call me in the morning next day he called me next day they credited me {$2500.00} the amount the atm ate After one month the took the money back at XX/XX/XXXX and i went back to Branch and spoke to bank employee and they called customer service and again they put money back and credited the {$2500.00} And on XX/XX/XXXX they took the credit back and i called the credit department and they said talk to Branch manager and went to bank and spoke to branch manager he said he would escalate to fraud department and the will contact me. A week later some called me asked me what happened and she said should get back to me and she called me bank and she said nothing she can do go back to Branch mananer and see i f he can check the camera and i went back to and saw bank manager he told me he will call corporate security see if they can check the camera i called him and he said they need police report in order to check the camera i went to police station and spoke to officer and he told me is civil matter and they don't check camera and go back to the bank i went back to bank and bank XXXXnager was not there and i saw assistant bank manager and explained what police told me and she called chase security if they cant check the camera but they told her they needed police and manager said she will try to call the police herself and would get back to me any update And heard anything about two weeks today on XX/XX/23 i called the bank and spoke to bank manager he told me he cant do anything and he cant review the camera and i can go to court The gave me ran around for three month and they have my money
Consumer complaint received 2020-06-08
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. (TN)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing you today as an aggrieved man. My identity was stolen along with my other pertinent information. I never authorized and or agreed for any of these companies to do an inquiry against my credit. 
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 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

My husband and I have called Equifax several times to remove any hold on our account that could be preventing the lender from pulling our credit. We are trying to get a home mortage and every time the lender tries to pull our credit it always have a block. The message they are getting when they pull my credit is " credit reported fraudulent by consumer ''. The first time the lender tried to pull our credit it was a freeze preventing them now the freeze is removed and I don't know what else is blocking the lender from seeing my credit score from equifax. We've fax proof of identity several times to equifax. Please help and send some feedback on what we can do to get this issue fixed for good.
Consumer complaint received 2019-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I contacted Capital One Credit Card on XX/XX/XXXX as a preventative measure as I had fraud on another credit card this past month. I wanted to add an additional security question to my account. During the conversation with the agent, I found out inadvertantly that Capitol One had given access to an additional person in XXXX that I never gave permission to as this was an individual account. 

I told them to remove the name immediately. I called in later that evening to ask for additional information on how this situation originated. I wanted to know how the permission was given, what relationship was provided, contact info, etc. and when exactly in XXXX as this was a direct violation of my privacy and Capitol One was negligent. 

I knew they had this info documented and recorded but they told me it had been erased from their system. A fraud supervisor named XXXX told me to call on XX/XX/XXXX which I promptly did the next day. The woman I talked to XX/XX/XXXX indicated that she did not have the information on her screen but stated that if I reported it to the local PD and had a case file that I would be able to obtain the information which seemed absurd but I did contact our PD XX/XX/XXXX. When I called them again XX/XX/XXXX, they said I would need a subpeona which is ludicrous. The Capitol One woman was adamant. I believe it is because they made a mistake and they know it. 

I have a right to this information. It's my cc account and my privacy that has been completely violated for 8 years.
Consumer complaint received 2023-01-16
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. (LA)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC. (IN)

According to my credit report, MIDLAND FUNDING LLC purports they have the right to collect {$1500.00} from me. They have been reporting this amount since 2017. 

After speaking with the credit bureaus ( who I have addressed separately ), they have not spoken with anyone at Midland Funding regarding my name or an alleged account. 

This means Midland Funding, LLC has been verifying information illegally. Also, they have not sent me any notices regarding my right to dispute, or any mailings for that matter. They continued to list this account as " open '' and not " in dispute '' despite my disputes with the credit bureaus. 

They need to be reminded that, according to the FDCPA, Debt validation includes the following : 1.Who was the original creditor on this account, and what was the account number? 

2.What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 

3.Please provide me documentation that indicates that I agreed to pay someone this sum of money. 

4.What was the original date of delinquency for this account? 

5.Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 

6.What did you pay for this account, and how did you calculate the current amount owed?
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

Received a letter dated for XXXX XXXX. The letter confirmed any purchases I make within XXXX months of acct opening would have a XXXX  % rate until the card is paid off. Based on the terms online, it sets my promotional rate expires this month on any purchase balance not paid off. I have spoken to multiple customer service contact that have told me Im wrong. I was advised to send a copy of the agreement to XXXX. I spoke to customer service on XX/XX/XXXX and XX/XX/XXXX. I contacted Citi to confirm if a dispute was open up and was told no letter is noted in the system.
Consumer complaint received 2023-01-16
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX DOD XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX - XXXX  XXXX XXXX, XXXX ; XXXX XXXX - XXXX  XX/XX/XXXX ; XXXX XXXX - XXXX  XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-12-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

i made extra payment to my mortgage company last month ( XX/XX/XXXX ) for {$600000.00} to my mortgage principle.

I received new statement this month just add {$3400.00} to principle account.

i called the company 2 times to resolve this problems but i did not get any action.