davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax Credit Bureaus to validate this account ( A ). 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2024-02-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CO)

I have recently tried to pay my student load to Mohela several times. Once over the phone and twice on their website. Each time I try I get an email stating that my financial institution has rejected my payment. I have contacted XXXX XXXX each time and they have told me that Mohela has not tried to pull the funds. I have had sufficient funds in my account each time. The dates and amounts are listed below. 

XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$410.00} XX/XX/XXXX : {$410.00}
Consumer complaint received 2020-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

I filed a dispute with credit bureau since this account is showing -- for XXXX, XXXX closed with a charge off, then XXXX   open with 120 days late? They sent via mail what they consider validation of debt dated XX/XX/XXXX. I called on XX/XX/XXXX attempting to settle for {$160.00}, since I am not currently working and have been off work since XX/XX/XXXX for XXXX XXXX XXXX. I explained to the rep I spoke with over the phone once she asked me about the dispute, and I told her that they are not reporting to my credit bureaus accurately and consistent so it is hurting my credit, I'd rather settle and close the account. I am willing and able to settle and close the account for {$160.00}, so it can just be taken off all my credit bureau accounts so they can all finally report accurately.
Consumer complaint received 2018-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I never withdrew any cash from my card and reported it as lost or stolen. Instead of removing the disputed items Capital one bank keep charging me interest for cash advances. After closing my account nobody willing to speak to me or resolve any issues.
Consumer complaint received 2022-02-22
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-11-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

I am writing to You in regards of My Loan Modification that I have been having issues with for over the past year and a half. The documents sent out by Flagstar Bank have had incorrect Maiden name on notary paperwork so we could not proceed. The next batch had incorrect name on the Deed of the home so We could not proceed. The last modification has a XXXX XXXX added since it was not on the original, another error by Flagstar. My initial rate was XXXX XXXX and now They want Me to sign docs@ XXXX XXXX. I am requesting that Flagstar Bank keeps the original terms@ XXXX XXXX due to many technical errors on Their end and XXXX years to fix.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-05-15
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)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the credit reporting agencies didn't make sure it was reporting 100 % correct. 

In accordance witht the Fair credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate
Consumer complaint received 2020-01-15
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. (ID)

There is an error of the reporting of my account onto the XXXX  and Transunion Credit bureau. I have disputed the account asking them to do a full investigation of the account multiple times but they have failed to do so and fully validate the debt as it is still reporting on my credit report. They are not following the guidelines of the FCRA in needing to fully investigate the item they are fully reporting onto my account and if that Is the case and they are incorrectly reporting and not following the guidelines to delete I ask that they delete the account on my report as it is hurting my credit score that they are not reporting correctly. 

I have disputed this multiple times in the last 3 months due to seeing the error on my account. XXXX  now says it is a frivolous dispute. The last dispute I did with them this month they said the company certified that it is correct. The investigation from my understanding is the credit beau is suppose to be doing the investigation not just calling the creditor.
Consumer complaint received 2022-11-12
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX, Account Number # XXXX, XXXX XXXX XXXX XXXX, Account Number # XXXX XXXX XXXXXXXX XXXX, Account Number # XXXXXXXX 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 2020-03-08
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. (MD)

On XX/XX/2020, I went to XXXX XXXX  XXXX in hopes of purchasing a new car. I was told that I would get a monthly note at or around {$600.00}. This was before my credit was ran, but the salemans and his supervisor advised that no matter what I would get that note. 

After my credit was ran, I was advised that I would then have to pay at or around {$700.00}. I expressed my dissapointment because I had already advised that I was in process of getting a home. I went car shopping because my current car needed major repairs and I feared the repairs would not be worth the money. 

Also, I only agreed for two lenders to check my credit. To present, I have 7 hard inquiries that was by XXXX XXXX  XXXX. They had no right to send my information to multiple sources.
Consumer complaint received 2020-01-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Suttell, Hammer & White, P.S (WA)

On XX/XX/XXXX, the XXXX XXXX Credit   Card/XXXX  and the Suttle and Hammer, P.S. (  collection agency ) at XXXX XXXX, XXXX, WA filed the civil small claim lawsuit against me after I had notified the XXXX XXXX Credit Card on XX/XX/XXXX and again the collection agency on XX/XX/XXXX that I could not pay. The XXXX   XXXX credit card representative made the note of it and that it will not pursued the collection and will not contact me and that my account is closed because I could not afford and could not continue to make the payment after XX/XX/XXXX last payment. It is illegal for the XXXX XXXX and the collection agency to file the lawsuit against me for {$1900.00} after I was told that my account is closed. Also, it is illegal for the collection agency and the XXXX  XXXX Credit Card/XXXX  to contact XXXX XXXX XXXX, Director at U.S. Department of Defense-ManPower Data Center to verify and confirm my U.S. military services information in XX/XX/XXXX, and Mr. XXXX released this data information including my social security numbers to this collection agency on XX/XX/XXXX without my preauthorization or approval consent from me. This violates the HIPAA Policy and the Fourth Amendment of the U.S. Constitution and my human rights and my privacy rights. Please investigate this issue and then let me know. I can be contacted at ( XXXX ) XXXX or by email at XXXX XXXX
Consumer complaint received 2022-11-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (MN)

My account transfered from XXXX to Citizens bank account with XXXX as it was being used to receive credit card rewards. Upon transferring to citizens I learned that the interest rate was essentially nothing when every other bank is doing better than them. I have tried on multiple times to contact them with it's either long holds and you can not reach anyone or call another number. I have learned that they want to start charging me a XXXX fee for not having XXXX $ in the account or direct deposits going there.
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A refund from an overpayment on my credit card was approved XX/XX/2023.1 spoke to customer service on XX/XX/XXXX the minute I saw the double debit from my checking account. I still had not received it by XX/XX/2023. I've called 5 different days since XX/XX/XXXX when this started, spoken to 9 different people in 5 different departments, been hung up on once, have been told wow, that's a long time, just wait another day twice, that the money moves slowly because it isn't going to a Bank of America checking account. Are there different wires? Because it comes OUT of my account within 24 hours! It's XXXX, and an ACH transfer. They told me on XX/XX/2023, that I'd have my money back in my account within 24-48hrs, then again XX/XX/XXXX, again on XX/XX/2023 another 7-10 days because they sent my refund back to the wrong account. I spent an hour and a half on the phone with XXXX XXXX  ( where I have my checking account ) and they went above and beyond to help me, no record of any money being returned to me. 
Regulation Z requires that Bank of America : " Credit the amount to the consumer 's account. 
Refund any part of the remaining credit balance within seven business days from receiving a written request from the consumer. '' Bank of America doesn't allow written requests anywhere on their website, you only list phone numbers of departments and a vague address of headquarters. I finally was able to get someone via XXXX XXXX to create a secure chat, in which I gave them my routing and account numbers, XX/XX/2023, a whole month after the credit was marked as posted, but I still have not received it. The routing number was completely wrong, which I finally made them check and tell me what the routing number was on XX/XX/23, it started with a XXXX  and I knew right away Bank of America had messed up. Bank of America is holding onto almost {$1400.00} that I want back with my missed interest accrual. I have spent hours upon hours trying to get my money back when the original representative at Bank of America on XX/XX/23 put in the wrong routing number, no one at Bank of America could figure that out until I asked them to look? And I still don't have my money back, 3 months later. I have been more than patient.
Consumer complaint received 2020-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This company does NOT make it clear that you can not set up auto-pay from your own account to pay the monthly bill. 

I'd gotten this zero interest Bank of America Platinum Mastercard to help me pay down debt. After setting up my online account, I could never find the auto-pay section to set up monthly payments. So I would manually pay each month. After tiring of this, I called in and they walked me through setting up an auto-payment from my credit union account. 

I was concerned that the usability of the site was quite confusing, but was happy to get my problem fixed. The person on the line said I would be set-up to automatically pay the minimum moving forward, but would have to manually make the XXXX payment. As long as I paid within a certain window of the due date, there would be no hit to my credit, etc. I manually paid the bill on XX/XX/13. ( Unfortunately, she didn't mention that I would still be charged a late fee. ) Low and behold when I go into the website today, I see my auto-payment has NOT hit and I'm behind as of XXXX ( today is XXXX ). 

When I call in, the automated menu now says a B of A checking account is required to set up auto-pay, and so no, I can not set up auto-pay after all. This was not explained AT ALL when I called in in early XXXX. This is quite misleading. 

In fact, to me this is quite deceptive and a way to collect on fees. Although I thought this zero-interest account would be quite beneficial, it's actually taken me this long to figure out that I can't make an auto-payment from my own account. Seeing as I have an XXXX and consider myself pretty web-savvy, I would say that the issue here is that B of A is subtly hiding the fact that you can't auto-pay from your account ... hoping perhaps that you'll fall behind and need to pay fees and interest. 

I called in twice today and the phone tree is also very impossible to navigate. Speaking to a manager is not an option. I'd asked for and scheduled an automated call back. Nothing. I called back a few hours later and it's interesting as the phone-tree options have also changed. Now I'm required to type in my entire account number whereas before, I just needed the last four of my social. No luck with the phone tree as it's stopping me from speaking with a representative since " I need a B of A checking account to set up auto-pay ''. 

I have a feeling B of A has already gotten in trouble for the above practice, and is now trying to make their limitations more explicit. The website still does not make it clear. 

As a financial institution with a large global footprint, I feel should B of A and this practice in particular should be investigated. Auto-pay is such a great way for busy consumers to set up payments and ensure no late fees and interest. For a credit card NOT to allow this, and to hide that fact, should be illegal.
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I have not received a Capital One Bank Menards Big Card credit card. I have been waiting for 30 days to receive a replacement card with a new account number, but I havent received any replacement card as of yet. There is currently {$3200.00} in fraudulent charges/transactions listed on my Menards Big Card credit card. All of the charges are fraudulent and not my charges or transactions.
Consumer complaint received 2020-01-15
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: SYNCHRONY FINANCIAL (FL)

This company has placed UNAUTHORIZED credit inquiries on my credit report!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, I did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have  documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-11-13
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. (OH)

I, XXXX XXXX am a consumer and natural person who is a victim of identity theft. XXXX, Experian, and XXXX used and furnished my consumer report without my consent, authorization, or written instruction. These consumer agencies allowed companies to share my nonpublic personal information without my consent and also used that data to furnish. Congress confirms that the consumer has a right to PRIVACY! XXXX, Experian, and XXXX has violated my federal right to privacy by failing to meet the needs of Congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information.The FCRAs purpose is to be sure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMERS right to PRIVACY! XXXX, Experian, and XXXX  are in direct violation of the FCRA and Grain Leach Bailey Act of 1999 by sharing and selling my nonpublic personal information without my consent.
Consumer complaint received 2020-01-15
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: COOLEY ENTERPRISES INC (TX)

I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY RESULTS