davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (IN)

15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Statewide Credit Services Corp. (NC)

Statewide Collection Services Corp. has contacted multiple times threatening to sue starting back from XX/XX/2021 mentioning a pending lawsuit. 

Statewide Collection Services Corp. has also stated myself and my husband have agreed to a one time payment with their company and we have not.

In addition, Statewide Collection Services Corp. collection agency has harassed me by calling me with aggression challenging me to argue via phone and have submitted deceitful credit inquiries on my and my husband 's credit reports monthly. Statewide Collection Services Corp. did not have a legitimate business reason or permissible purposes for a credit inquiry.

At this time, Statewide Credit Services Corp. has practiced abusive, deceitful, false and misleading debt collections practices.
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (OH)

My address and phone number both changed. When trying to close the account, the bank would not let me change my address. In order to do that, I needed to be verified on my phone number, which I didn't have access to anymore. The only way the bank said I can close my account is either through mail in writing or by visiting a physical branch. I couldn't visit a physical branch due to being in a geographic area far from any physical branch. In addition, I can not do it in writing because I didn't know my account number. I could not be told my account number, and I also can not access my account number online because I forgot my password and can not reset it as my old bank merged with a new bank and the new bank does not have my old bank 's information. Also, because I'm unable to access my account online, I can not opt out of the " paperless billing fee ''
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (UT)

EdFinancial just got this account from XXXX XXXX. Apparently prior to signing the contract with the Dept. of Ed, they were unaware of the outstanding class action law suit filed against the Borrower Defense division, which the Judge on the case ruled in favor of the Plaintiffs on the final settlement. See all attached. Per the courts this loan never existed constituting it needs to be completely removed from my credit report with XXXX.
Consumer complaint received 2023-03-14
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc. (NM)

I have made numerous attempts to gain deletion of the account for {$5500.00} account either updated or deleted from my credit report, the date on the reported account is incorrect per the original contract, also, I am a Veteran and was told by XXXX I would not be charged for this account due to my Veteran Status! Please remove this account per the fcra you must report ACCURATE INFORMATION! I have attached the original contact for your reference to the date you are reporting vs the date on the contract!
Consumer complaint received 2024-02-19
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: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions! ) US Bankruptcy Court, XXXX Fl XXXX # XXXX 2 ) XXXX XXXX XXXX. Amount XXXX 3 ) XXXX XXXX XXXX. Amount XXXX
Consumer complaint received 2022-04-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: First Technology Federal Credit Union (AZ)

- On XXXX XX/XX/XXXX upon reviewing the transaction fee charges ( {$5.00} per incoming international wire ) for Wire Transfer at First Tech Federal Credit Union ( my XXXX XXXX  ) I initiated my inquiry with Bank in XXXX  ( XXXX XXXX  ). 

XXXX XXXX XXXX  - XXXX  XXXX  confirmed their side of fees in XXXX  ( XXXX Rupees ) and since fees that were disclosed to me appeared reasonable, I initiated 4 wire transfers ( two for {$25000.00} and two for {$12000.00} each ) on XX/XX/XXXX. 

- On 18th afternoon pacific time I received the 4 incoming Wire Transfers in my FTCU account, however each transfer was deducted by {$30.00} plus additional charge of {$5.00} each was debited from my account. 

- I called my sender bank and inquired about the discrepancy in the amount received, they shared an output of XXXX transfer, which clearly outlined the dollar amount, {$25000.00} twice and {$12000.00} twice. 

- The XXXX message showed that the XXXX code for First Tech is managed by XXXX XXXX XXXX XXXX XXXX 

- I called FTCU on XX/XX/XXXX and they confirmed that they utilize XXXX XXXX bank as their XXXX  XXXX  XXXX XXXX  in XXXX  system and {$30.00} each was indeed deducted by XXXX XXXX for their services. 

- FTCU shared a fine print thereafter which stated Correspondent or XXXX XXXX  may charge additional fees. All the while clearly knowing that it is their XXXX XXXX XXXX  who charges exact {$30.00} per transaction. 

- My requests to refund {$120.00} charged by FTCU in addition to {$5.00} each have been denied by FTCU on XX/XX/XXXX, even though the agent that I spoke to over phone or reached via secure message agreed that their Website doesnt disclose or clearly mentioned {$30.00} per transaction fees for each and every incoming International Wire Transfer. 

Submitted for your review and remedy here! 
Regards
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I AM A PROVEN VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW 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 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 : states a consumer reporting agency can not furnish an account without my written instruction. 

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, 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 or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2022-04-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We were granted a Repayment Plan after several months of requesting assistance due to a financial hardship we were experiencing. The Repayment Plan was for one year XX/XX/XXXX until XX/XX/XXXX. During this time we experienced another financial setback which we informed them of and assured them that the payment would be in by the end of the month. Once they received the payment by Personal check they held it for two week and wrote VOID all over the check copied it sent us a copy and stated that they had destroyed it and requested Cashier check for the set amount that was submitted. We purchased a Cashier check and sent it priority mail signed receipt. Meanwhile they referred us to their Attorney for the process to start for Foreclosure. They received the Cashier check then sent a letter stating that they wouldn't be applying the fund towards the mortgage or cashing it, they would be destroying it and request {$20000.00} something by the XXXX of XXXX and if they didn't receive they would proceed with the Foreclosure process.We reached out to their Attorney informing them that we had a Repayment Plan in place and we didn't know why we were referred to them. To date we haven't heard anything from them. We have reached out to our Lender as to what is the status of the Repayment Plan and future payments. Since they are destroying all payments that we have sent in the past month or so we have informed them that we will not be sending any more payments until we are assured that they will be applied to our mortgage. We don't have any other choice right now because this is costly and unfair and we don't think this is legal. So we are going to save the fund until XX/XX/XXXX or when they instruct us otherwise or if we have to go to court. The Cashier check that they refused to cash or return to us we have to try and get the funds returned which is going to take sometime because the Bank stated that we have to place a stop payment and a reversal which will cost fee before we can get the fund redeposited in our account. The Bank stated that the process would be better for us if the Lender would cooperate and return the Cashier check then we wouldn't have to pay all of the additional fees. They couldn't take our word or a letter from the Lender stating that the check was destroyed. We have requested that they return the Cashier check but we don't think they will because they didn't return our personal check. Every time we correspond with them it is always something different or they send old documentation as respond to our request. Nothing is ever clear and the back and forward is not fair to us all we want to do is get back on track and move on and stay in our home.
Consumer complaint received 2022-04-21
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX. Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-21
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. (SC)

The list of accounts below is reported inaccurate on my Equifax consumer report. 
As mandated in 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX,
Consumer complaint received 2022-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NY)

noticed on Credit report I have been sent to collection for dept I do not own. Company : Credence Resource Manage. Noticed debt XXXX Amount of Debt {$300.00} from XXXX XXXX Account opened in XXXX, Ohio. Noticed another listing but don't have any other information.
Consumer complaint received 2022-11-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

Since before XX/XX/2022 I have been requesting from Cardinal Financial to begin the process for a family memeber to Assume my mortgage loan. The process starts with a required written letter requesting a packet. It is now XXXX and in XXXX the packet still had not been sent. After calling an email was sent with one question " will the person assuming the loan be residing at the address as a primary residence? '' I again was required to fax or mail the response which is timely. XXXX weeks later and still no response with a packet or a clear timeline of how long this process should take. It shouldn't take 8 months to receive a packet. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (HI)

To Whom It May Concern : This is my second time writing to you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report, with the exception of : My Full Legal Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete all other personal information, including all employers, addresses I can no longer receive mail or any correspondence from, and I have no access to any of them, which in some cases could lead to identity theft. Please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete.
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (NY)

I was under contract on condition of XXXX  and experienced bank fraud, mail fraud, identity theft. I discovered what was happening and tried to dispute my claim but the bank deprived me of my rights under XXXX of law. I sent a civil complaint to the attorney general as other banks including this one are involved. I am giving the bank the opportunity to view my civil complaint and to remedy the damages that were done and to return all funds to me. I am still being extorted for counterfeit debt and my financial assets are drained. This is a controversy and conspiracy of authorized agents being complicit in active fraud and not helping consumers. They do not know the law and the rights of a consumer and need to be investigated.
Consumer complaint received 2022-04-21
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 XXXX partial account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-07
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. (SC)

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 XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-21
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : 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
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-07
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items with each bureau on XX/XX/XXXX and on XX/XX/XXXX and they did not remove the items. 

Sec. 602 States I have a right to privacy, XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

Hello I have been banking with Wells Fargo for a few years now and this is my first time reporting my card stolen. My purse and all the contents inside including my phone and wallet were stolen while I was admitted to a medical facility. My card has been charged in another city that I do not live in. Wells Fargo refuses to reimburse my money. And this isn't the first time I've had problems! I've had to fight them to reverse discriminatory " maintenence fees '' on my checking account during the pandemic