davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (LA)

Account Number : XXXX**** Account Type : Unsecured Loan Account Status : Paid account/was delinquent 90 days past due date Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Installment Months History : 11 Payment Status : 90 days past due Payment Status Date : XXXX Account Balance : {$0.00} Opening Balance : {$93.00} Payment : $ XXXX Past Due : {$0.00} Most Recent Payment : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card, Terms XXXX  Account Status : Account/paid satisfactorily Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Revolving Months History : 14 Payment Status : Current Payment Status Date : XXXX Credit Limit : {$700.00} Current Balance : {$0.00} Highest Balance : {$170.00} Payment : $ XXXX Past Due : {$0.00} Most Recent Payment : N/A ( I never had this account ever ) They mailed me the card and I sent it right back XXXX  XXXX Account Number : XXXX**** Account Type : Unsecured Loan Account Status : Paid account/was delinquent 60 days past due date Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Installment Months History : 13 Payment Status : 60 days past due Payment Status Date : XXXX Account Balance : {$0.00} Opening Balance : {$180.00} Payment : $ XXXX Past Due : {$0.00} Most Recent Payment : XXXX THER ACCOUNT WITH XXXX WERE ALL PAID IN FULL AND WERE ONLY LATE ONCE. I HAVE SPOKEN WITH SOMEONE FROM THE COMPANY THREE TIMES BECAUSE IT'S STILL SHOWING ON MY CREDIT REPORT DELIQUENT ACCOUT 60 AND 90 DAYS PASS DUE. I NEED THIS TO BE REMOVED FROM MY CREDIT REPORT. IT HAS BEEN THERE TO LONG AND IT'S AFFECTING MY SCORE. THE FAIR REPORTING CREDIT AGENCY INFORMED THAT THIS NEEDS TO BE RESOLVED IMMEDIATELY.
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. 
The List of accounts below has violated my consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX Account # XXXX. Account Name XXXX XXXX XXXX Account Name XXXX  XXXX XXXX Account Name XXXX XXXX Account Name XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name XXXX  XXXX 15 U.S.C 1681 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 instructions.

15 U.S.C. 1681c5 states no consumer reporting agency may make any consumer report.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (PA)

In accordance wit the Fair Credit Reporting act. The List or accounts below was in violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states 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 then 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 thst the information is inaccurate
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (NC)

Hello, I have multiple times to call Branch to get into my account I have been on hold for over 3 hours on different phone calls and not one person answered. I emailed them multiple emails claiming that nobody is helping me get to the bottom of it. I have a balance of XXXX in the account. The branch people sent me an email of directions to fix the problem but that did not work I have done everything step by step and still no response or answer.
Consumer complaint received 2022-12-19
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. (MO)

This account is closed and does not have a balance, It should not be showing up as a late payment. This is also a violation 15 USC 1681 ( 2 ) ( A ) ( i ) my transactions or experiences between me and XXXX XXXX should NOT have been on my consumer report.
Consumer complaint received 2023-01-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (WI)

Account # XXXX, XXXX, and XXXX Are in violation Not only have you ignored my prior requests for validation of the debt letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof that you can collect on a debt in my state -Proof of the date the account went into delinquency -Your Bond ( if required ) in the event I need to seek counsel -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so, therefore, that must mean you agree with me that this debt is false. You have violated my consumer rights under the Fair Debt Collection Practices Act These accounts are in violation of : 15 USC 1692c ( c ) Ceasing communication, FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing of medical information 15 USC 1681b ( 4 ) Limitation on redisclosure of medical information I am seeking monetary damages for each violation made On XX/XX/2022, I checked my state license requirements for collection agencies and it states that in order to collect from consumers in this state ( Wisconsin ), you must have a license and be bonded. I sent a letter to your company six weeks ago asking that you provide me with proof that you meet my state licensing requirements. As of today, you have not responded. Because of that, I checked your company name to find out whether you were bonded and whether you have a license to collect in my state, and your company name is not in the system. As of right now, your company is violating my states law, and penalties for violating the law are harsh. If your company does not delete the negative information that is appearing on my credit report due to your illegal reporting within 10 days of this letter, I will have no other choice but to seek legal advice and report your company to the Attorney Generals office, the XXXX XXXX XXXX  and the Consumer Financial Protection Bureau.
Consumer complaint received 2023-01-14
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXIn accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my nights. 
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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (AR)

On XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX sent a letter stating that they could not verify our homeowners/hazard insurance policy, alleging that the previous XXXX policy was cancelled XX/XX/XXXX. If we could not provide proof of insurance they would be purchasing insurance for us. After some investigation we learned that XXXX XXXX was provided an incorrect mailing address for XXXX XXXX in XX/XX/XXXX. XXXX transmitted their policy renewal XX/XX/XXXX to the incorrect address. On XX/XX/XXXX after no payment was received the policy was terminated by XXXX. That XX/XX/XXXX letter was the first notification I received that indicated anything about a policy lapse or termination, a full year after the fact. XXXX XXXX stated that their office contacted our insurance agent 's office on XX/XX/XXXX to inquire about the status of the policy payment, and were told that the policy had been paid in full. Our agent 's office was mistaken. The policy had not been paid. XXXX XXXX never requested a copy of the Declaration page in order to verify the policy was current and paid. A year later, XXXX can not reinstate the previous policy due to the lapse. I have since secured homeowners/hazard insurance through another agency, however, we are unable to provide any proof of an existing policy for the time from XX/XX/XXXX until XX/XX/XXXX. I have received a Second and Final notice from XXXX XXXX dated XX/XX/XXXX again requesting we provide proof of a policy or they will be purchasing insurance for us in an estimated amount of {$1900.00}. We have requested that XXXX XXXX waive the requirement for us to carry homeowners/hazard insurance during that time due to their failure to verify the policy in XX/XX/XXXX and their failure to update mailing information. Our loan requires an escrow account, and it is my belief that XXXX XXXX 's policy and procedure for verifying insurance information is severely lacking in due diligence. They should not be purchasing insurance on my behalf for the lapsed time, as it was not brought to my attention until a year after the fact. That time has passed. No claims were made.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

in accordance with the fair credit reporting act XXXX XXXXXXXX XXXX Account # XXXX XXXXXXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights 15. U.S.C 1681 section 602 A STATES I HAVE THE RIGHTS TO PRIVACY 15.U.S.C1681section 604 a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( portfolio recovery associates XXXX ) 1 ), has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly states that 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.

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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-09-12
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (CA)

I had a CD with Ally bank since 2020, closed the CD out for over 2 weeks now. The first message was that Ill get my check in the mail between 7-10 business days. 10 business days passed I didnt receive the check. I called them and was told the check got returned because of my address. Verified my home address with them on the phone that it was correct with what they have in the system. I was told that day that they have expedited the process for me to receive the check between 2-3 business days. 3 business days passed and I still havent gotten the check. I called back again, and was told the check hasnt been mailed. That it will be mailed out soon but they can not even give me any tracking number or courier that theyre using. Its my hard earned money Im trying to get back from them and theyre giving me a run around of my money. Im not even going to talk about the hours I have spent on the phone with them or them hanging up the call on me. To receive a check within the states should be maximum 5 business days. I told them today that Ill be filling a complaint with CFPB.

Thanks.
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing this letter in extreme frustration and dismay regarding the fraudulent accounts that continue to persist on my credit report. It has come to my attention that despite my numerous attempts to resolve this issue, there has been no satisfactory resolution. This situation is not only damaging my financial reputation but causing me severe emotional distress. 
XXXXXXXX XXXX XXXX THIS IS FRAUD, PLEASE DELETE!!!! 
It has been months already since I initially reported this issue, and yet, these fraudulent accounts persist on my credit report without any explanation or resolution.I would like to remind you that under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit reporting agency to ensure the accuracy and integrity of the information you provide to lenders and consumers. It is also your responsibility to promptly investigate and correct any inaccuracies or fraudulent information on a consumer 's credit report. I believe that your continued failure to address this issue is a clear violation of my rights under the FCRA.
Consumer complaint received 2023-01-14
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. (FL)

On XX/XX/XXXX I received a completed investigation from Transunion regard accounts that I requested to be deleted due to inaccurate and unverifiable information. Only XXXX of the accounts where deleted and the other ones where labeled as updated. This company has consistently violated the Fair Credit Reporting Act and continues to furnish unverifiable information on my behalf with out my consent. They assumed this role and are violating the Fair Credit Reporting Act by not completing a proper investigation.
Consumer complaint received 2023-01-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC. (IL)

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report.
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/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 XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, ONLY ADDRESS IS XXXX XXXX XXXX XXXX  XXXX, XXXX, TEXAS XXXX, ONLY NAME IS XXXX XXXX XXXX, PLEASE REMOVE ALL OTHER ADDRESS AND NAMES OFF REPORT, Please remove these inquiries from my report
Consumer complaint received 2023-01-14
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: TRUIST FINANCIAL CORPORATION (IL)

I have reached out to Truist XXXX XXXX numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of with Truist being one of them however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. I have never bought a car with this company ever.
Consumer complaint received 2023-01-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (CA)

I created an account with RobinHood XXXX a few years ago and at one point the phone I used to create my account was compromised. I was not able to log in again because I forgot my password and started a ticket with Robinhood immediately. They asked me to provide information and decided that I was not who I said I was. I received mail by Robinhood saying that i would be penalized everyday i didnt update my information by XX/XX/XXXX so i contacted them immediately onXXXX. It is now XX/XX/XXXX and no response from them once again. I am very concerned for my tax refund if i dont have the proper documents and RobinHood is not helping me in anyway. I feel hopeless and helpess and I don't know where to turn to. I don't have money for legal fees against such a large company.
Consumer complaint received 2023-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (NC)

My loan servicer, Edfinancial, started moving my loans to their new system on XX/XX/2023 as stated in an email I received from them. I was told that two weeks after the transfer process begins, I will need to register for a new online account on their website 'Edfinancial.com/MyAccount '. I attempted to register on XX/XX/2023, over two weeks after the transfer had begun. The new system told me it could not find my account, despite several attempts and double checking that I had my info correct. I contacted a support agent, XXXX, via live chat on their site. She told me that they had extended that two week period and said that the system wouldn't be ready until next week. I asked why hadn't this been communicated to me and if they would let me know when the system would actually be ready. She told me that they wouldn't be giving any notice of when it would be ready, I would just have to check back with them. 

When dealing with large amounts of money, it is frustrating when the company managing my account doesn't communicate, applies payments to the wrong loans ( see my previous complaint XXXX ), and has bad support that is difficult to get in touch with. 

Quoting their email about my account transfer : " Edfinancial Services will continue to be your student loan servicer and will remain in communication with you regarding updates to your account. '' This alleged communication has been nonexistent. I check my account regularly to ensure accurate account info, and to make sure I know when payments are due. Per my last complaint, I no longer trust Edfinancial to apply funds to my account correctly, and having no access to my account and not knowing when I will regain that access is concerning.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc. (IL)

On XX/XX/2023, I paid my Self credit card bill. On XX/XX/2023, my card was locked and I received an email stating During a routine review of your Self account we have determined that well need some further documentation from you in order to complete that review. Self required for me to send in a copy of my ID, social and bank statement in which I provided those things to them. On XX/XX/2023 I received another email stating After carefully reviewing your customer profile, we have decided to cancel your XXXX XXXX  Account with XXXXXXXX XXXX XXXXXXXX I called self over 6 times during this process. No one could provide me with additional information. On XX/XX/2023, I received an email stating my credit card account was closed and Any remaining security deposit funds will be returned to your XXXX XXXX Account if possible. If your XXXX XXXX Account is closed, or we are unable to move the fund to your XXXX XXXX Account, any remaining funds will be returned using the payout preference we have on file in approximately 14 calendar days. I called Self again to try to understand whats going on. No one can tell me anything or let me speak to a supervisor. On XX/XX/2023. I received a {$31.00} payment from the closure of my self builder account, however, I still have not received my {$520.00} payment from my credit card account. I was informed that they will release funds after their investigation in which I havent had any updates or information about.! Ive called over 10 times and have been left with the same response. On XX/XX/2023 I received an email stating Thank you for reaching out. Your payout status is still currently under review. While, we can not disclose timeframes of our internal review processes, you will receive email notification once any available funds are released upon conclusion of our review. Its been over a month and they wont release my money. This is a secured credit card. The account was opened using money that was provided by me.! Therefore, once the account closes, funds should have been returned to me.! Ive had this account for over 3 years.