davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-21
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: Experian Information Solutions Inc. (DC)

Recently, I ask the credit bureaus to do a verification on my credit report. Upon them doing that I received an update that it was completed. After, I went and completed a thrall research myself. However, I found improper inaccuracy on my credit report after they did a thrall research. These items which has not been corrected upon my credit reporting XXXX XXXX XXXX XXXX For the amount of {$8800.00} XXXX XXXX XXXX XXXX For me the amount of XXXX XXXX XXXX XXXX  For the amount of XXXX XXXX XXXX XXXX XXXX  For the amount of {$330.00} XXXX XXXX XXXX XXXX For the amount of {$1000.00} XXXX XXXX XXXX For the amount of {$1000.00} XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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.
Consumer complaint received 2021-12-19
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: Experian Information Solutions Inc. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (RI)

I shall begin by saying this is a cease and desist letter to the companies XXXX XXXX XXXX, EXPERIAN, XXXX, AND XXXX. I am seeking Monetary Relief because my rights under the FCRA have been violated by XXXX XXXX XXXX ( 15 U.S. Code 1681n - Civil liability for willful noncompliance ). This company has been reporting to all 3 credit bureaus that my account has been charged off however, they have been constantly harassing me via email to make a payment. Below I have attached proof of how the account is reporting on my credit report which is also accurate for the other bureaus and I've also attached proof of them emailing me today XXXX saying that I owe a payment. I would like this account IMMEDIATELY deleted and removed from all 3 credit bureaus as this is a CLEAR violation of my rights. This corporation is trying to profit from the government as I assumed they filed a 1099C for this " debt '' and they are also trying to profit off of myself as a consumer since they are STILL asking me to make a payment. HORRIBLE HORRIBLE HORRIBLE and shame on them!!! I would also like to receive monetary relief from the 3 major credit bureaus as I have reported MULTIPLE times that this company has been violating my rights and all they have done was validate the account without any explanation as to HOW they validated it. I'm confused because I was under the impression that these credit bureaus have an obligation to the CONSUMER but it looks like they are working together with these major corporations to try and profit off of poor consumers as this account has cost me thousands of dollars in interest. I will take legal action if this account is not removed and deleted within 15 days off of all 3 of my credit reports as there is no excuse or explanation that can justify such violation!!!
Consumer complaint received 2021-12-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Exeter Finance, LLC. (AZ)

I sold my vehicle to XXXX. The vehicle was financed through Exeter Financing. XXXX contacted Exeter Financing and got a payoff quote for my loan. I gave up my vehicle and {$2500.00} cash to XXXX and they closed the deal with me. They contacted Exeter Financing and they got the payoff quote. I signed all of the paperwork and walked away, free of any more responsibility to Exeter Financing. Now, Exeter Financing is saying that I owe them more money. I have all of the paperwork from XXXX and notarized documents that show I paid off this vehicle. I am not responsible for any miscommunication between Exeter Financing and XXXX. I closed this financial obligation and I want Exeter Financing removed from my credit report. I have spoken to both Exeter Financing and XXXX and I have received nothing but negative, adverse responses from Exeter Financing. XXXX has assured me that I have no further obligation to Exeter Financing and that they have attorneys working on this matter. I was told by XXXX XXXX at XXXX that I am not responsible for any further financial obligation. She is the XXXX Agent that negotiated the payoff with Exeter Financing and notarized the paperwork. Please remove Exeter Financing from my credit report. Thank you.
Consumer complaint received 2023-07-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (NY)

I have been a victim of fraud, multiple accounts were opened using my name and my social, this was done by a person in my family, I did not find out until they passed, now Im having issues opening a simple checking account to conduct my daily business, please help
Consumer complaint received 2023-07-29
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. (MD)

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.

The letters are stated with items and issues.

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 2024-06-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Complete Credit Solutions, Inc. (AR)

XX/XX/year> I am not a robot Complete Credit solutions # XXXX This collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they place a collection on my consumer report.

I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Consumer complaint received 2023-02-27
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting 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 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 2023-05-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (GA)

I cosigned a student loan for my nephew. American Education Services has my current contact info as well as his. I receive statements monthly from them. Mail has never been returned. I received an email to update my contact info with the company. Upon calling the company I asked if the account was current to which I was told it is. I was not asked to update my information nor verify my contact info. Today I received a call from a distant relative that AES has contacted her multiple times for my contact information. I am upset and angry that this company contacted someone on my behalf about my private business when the account is current and through monthly contact they are aware that my contact information is up to sate.
Consumer complaint received 2021-12-19
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. (PA)

I filed a dispute with XXXX and Equifax about inaccurate information being reported on my credit report on XXXX from XXXX management services. its been well over 30 days and I have yet to hear back from them.i demand that these items be removed from my credit report immediately.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus ( XX/XX/2024 ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again.
Consumer complaint received 2023-02-03
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act 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 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, 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.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (AR)

After checking a copy of my consumer report, I noticed a clear violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
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. 

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


THE IRS CLEARLY DEFINES A CHARGE-OFF AS GROSS OR ORDINARY INCOME, DOES NOT GET REPORTED OR FURNISHED ON THE CONSUMER REPORT. INCOME DOES NOT GET REPORTED OR FURNISHED ON A CONSUMER REPORT BY DEFINITION. THE IRS CLEARLY SAYS A CANCELED DEBT OR CHARGE-OFF IS INCOME. THE REPORTING OF THIS ACCOUNT IS INACCURATE. 

IRS INSTRUCTIONS FOR DEBTOR. 

Instructions for Debtor You received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form XXXX or XXXX. However, you may not have to include all of the canceled debt in your income.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (PA)

Account is frozen due to my fault because of their predatory set up for money transfers. I try transfer money between my savings and checking but it defaults to transfer from my XXXXXXXX XXXX  account to Sofi. If I forget to select my Savings account as the account to transfer from it automatically tries to transfer funds from my XXXX account leading to Returned payment and this is why they froze my account. There is no way to cancel these transfers so once it's initiated it can't be undone. 

I received an Email my account was frozen and then I got an email that it was unfrozen. But nope, still frozen and when I call them they say oh sorry we already escalated your claim just keep checking your app for updates. All my finances are in sofi and I will be closing my account if this issue is not resolved today
Consumer complaint received 2023-02-03
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: Experian Information Solutions Inc. (NJ)

I Sent my letter off on XX/XX/2022, I told the credit Bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I send out and here is the USPS Tracking # XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained thought 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.

They stated my account were verified but how is that possible if they did not a proper investigation according to the law. Also every piece of information on those accounts are still not reporting 100 % Accurate. And According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Account listed below : Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX Account XXXX XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX  Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX  Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX Account # XXXX
Consumer complaint received 2024-02-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (NY)

I am currently being reviewed for a loan modification that was submitted. Mr. Cooper has set a foreclosure sale date while the review process is moving forward. This is a clear violation of Dual Tracking, RESPA and Regulation X. The RESPA rules are contained in Regulation X, which the CFPB amended effective XX/XX/XXXX. The amendments impacting foreclosure defense are in Subpart C, 12 CFR 1024.30 et seq. Section 1024.41 governs the loan servicers obligations in evaluating and responding to modification applications and contains the provisions aimed at eradicating double tracking. 

The alleged overdue payment amount of {$120000.00} is incorrect mathematically. My interest payments are {$360.00} per month, which means that Mr. Cooper is stating that I am 338 months past due. This is impossible since the loan is not over 28 years old. My loan originated in XXXX, so it is 17 years old. Mr. Cooper also alleges that {$17000.00} in legal fees are due, with no proper accounting issued to prove the charges. Mr. Cooper also alleges that {$62000.00} is due for past due escrow, which is impossible since the loan contains an escrow account. Altogether, Mr. Cooper is stating that the total amount due is {$280000.00}. It is clear that Mr. Cooper is equity skimming and equity stripping with fraudulent accounting since there is significant equity in the property. This is a violation of UFTA 740 ILCS 160.
Consumer complaint received 2017-05-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am highly disappointed with Bank Of America refusal to be customer centric regarding the overdraft, non-sufficient funds and extended overdraft fees that I have been assessed over the past year. One of the reason I chose to bank with BOA was because I heard of their desire to consistently deliver the exemplary service they know that their customers deserve. On several occasions, I have contacted customer service requesting assistance or direction with banking concerns and have only ended the call inquiring as to why instead of creating solutions for their customers, I 'm still in the predicament of where I started. I contacted the bank of XX/XX/XXXX regarding an unauthorized transaction to XXXX XXXX in the amount of {$36.00} that I had been paying for a product that I returned and because I had other transactions coming from that merchant, that it never dawned on me that I had returned those 2 items in which that charge was payment for.that I had been paying. I had been charged 11xs in this amount. Instead of providing a solution, the agent did everything in her power to keep me from filing any type of claim for the transaction and when I asked for a stop payment, she simply said that she could place a stop payment on the merchant for a fee. My question to myself is that, I have never received a stop payment before or any type of reimbursement for a fee for that matter and if this is causing financial hardship since she refuses to allow me to file a claim, why not provide the stop payment as a courtesy. In regards to the fees that I previously mentioned, a review of my account has indicated that I have paid {$1000.00} in overdraft, non-sufficient funds and extended overdraft fees since XX/XX/XXXX. By all means I know that as a customer, it is my responsibility to manage my account effectively ; however, there may be times in which are outside of my control and I have tried to discuss the matter with phone bankers but I 'm always told that they are unable to assist with fees and to only bring the account to a positive balance or I will get hit with additional extended fees. I am submitting this as a request for some type of reimbursement for some of the fees that I have incurred over the past year. Although I understand by using the account, I accept the terms and condition of the account and the fees that I am subjective to ... but as a consumer, sometimes its nice to know that a company values you as a customer and realizes that you may have made a miscalculation or misjudgment and be willing to say, as a courtesy,  we understand and want to keep you as a customer. I ask that you review my account relationship and provide a reimbursement for the fees that I have been assessed. The only fee reversals that I have received where the result of unauthorized transactions. Thank you for your time.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I opened a 360 performance savings account with Capital One in XXXX of XXXX and deposited {$2000.00}. 

Ive had countless calls and attempts to access my accounts through the app/website but since I did not have the account number I was unable to gain access. 

Today ( XX/XX/XXXX ) I checked mail that I received and see a statement from Capital One which says my current account balance was {$0.00}. The letter states my opening balance in XXXX was {$2000.00}. However, there was a - {$2000.00} withdrawal on XX/XX/XXXX. This withdrawal is not reflected in ANY of my other accounts. 

After a 1hr call with an agent, I was finally told that the account was closed and that they wouldnt be able to disclose any information regarding why. The agent also stated that any good funds would be returned to me but when I asked what is defined as good funds the agent refused to answer and connected me to a supervisor instead. 

After discussing with the supervisor, I was informed that due to inactivity, restrictions were placed on the account and the account was marked as fraud. Upon requesting more information and disclosure about the missing funds, I was abruptly disconnected.