davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: EMI Equity Mortgage, Inc. (PR)

Equity Mortgage loan # XXXX is charging me hazard Insurance but I have hazard insurance on my home which I pay monthly insurance policy MPP - XXXX with XXXX XXXX XXXX XXXX. I just noticed that my escrow account is collecting this amount from my Mortgage payment every month. They have been charging me {$480.00} annually since 2014. I just notified them of the fact they seem to not accept their mistake. My Insurance company sent them a letter of verification providing proof that I have had hazard insurance on my home since 2014. Equity Mortgage has not return the excess amount charge to me. I have provided them with letters requesting a refund for their mistake.
Consumer complaint received 2022-10-28
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. (NY)

I submitted a letter to the 3 Credit Bureaus 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. Please update or correct them immediately : 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 2023-02-09
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. (IL)

As a federally protected consumer, I am hereby expressing my right to privacy and this an OPT OUT NOTICE per 12 CFR 1016.7. I am now opting out and rescinding any and ALL authorization, I the consumer may have given you. I mean ANY and all consent whether it be written, unwritten, verbal, implied, and non verbal is revoked per 15 USC 6802.

Per the FCRA 1681b ( a ) states that " In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates '' Therefor any furnisher of information to credit agencies and the consumer reporting agencies do not have my consent to furnish this information, and they surely do not have my written consent.

According to the Privacy Act of 1974, the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, " NO AGENCY shall DISCLOSE any record which is contained in a system of records by any means of communication to any person or to any agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. You have violated both the FCRA and also the Privacy Act of 1974 Per the FCRA 15 USC 1681a ( 2 ) Exclusions, a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore REPORTING transaction history is illegal.

Please comply with my DEMAND regarding the removal of the account immediately, being that you have continued to violate my rights as Consumer. I have suffered mentally and emotionally. This is not my first complaint. You have a full understanding of the violations. You are aware you are breaking the law. Immediate action will take place Per the FCRA 15 U.S. Code 1681n for willful noncompliance.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIRSTBANK PUERTO RICO (FL)

I've had this mortgage since XXXX of 2016. It's with First Bank of Puerto Rico and it has been a nightmare from the start. They are, extremely, unprofessional and criminal! I've never missed a loan payment and my payments have never been late! Every month, I've had to call numerous times and wait on hold for hours. When someone answers, I have to pray they speak english and hope they don't hang up. They refuse to take the payment. They've, randomly, increased my monthly payment for several false reasons. My Credit report shows 3 1/2 years of late payments, which is absolutely incorrect! I've made several attempts to work with First Bank PR, filed disputes with the credit bureaus, and even contacted Fannie Mae. First Bank PR has refused to fix the issue and they have refused to even respond @ any time over the past 7 years.
Consumer complaint received 2015-12-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In 2005 my husband and I opened a safety deposit box account with a Bank of America in XXXX XXXX, VA. We were in the process of XXXX our XXXX baby and caring for my mother in-law who, at the time, was XXXX. A few months after we adopted our daughter I entered into the same Bank of America branch, with my XXXX baby girl, and spoke face to face with a manager on duty and requested closing the safety deposit box account. She agreed and said she 'd take care of it. I trusted what she relayed and did nothing else. We later closed all BoA bank accounts. 
Many years have passed since that time and I learned this account was never closed, the bank billed us on their end for the safety security deposit account but never did we receive anything in the mail except notification from a collation agency in an amount excess if {$870.00}. Since adopting our daughter I 've been sick, working on and off, then I lost all income from the recession as I was a XXXX. 
Today I am healthy, XXXX and I can not qualify for the smallest XXXX loan due to old, out dated ( XXXX ) debt. 

Is there any way someone from your division can assist me in removing this derogatory statement from all XXXX credit bureaus? Your assistance in this matter is beyond appreciated and further needed.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I received letters dated XX/XX/2024 and XX/XX/2024 from Citi ( attached ) indicating that they were closing my checking account, savings account and credit card account. The letters stated that this was pursuant to their terms and conditions and offered no other reason. I called Citi and went in to my branch multiple times, and was told they would not inform me of the reason for the closures. In the nearly 20 years that I had these accounts with Citi, I have always maintained a healthy balance in my accounts and have never had revolving debt on the credit card. Notably, my mortgage is also with Citi. These closures have caused me to spend a tremendous amount of time and effort, on opening accounts with a new bank, transferring funds and switching multiple automatic deposits and bill payments.withdrawals and switching accounts that vendors draw from ( such as XXXX, XXXX, etc. ). My credit score was also negatively impacted by the closure of the credit card.
Consumer complaint received 2023-05-18
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I just met this new girl, I love her and trust her and told about the issues am having with my banks this days and I can't even get my allowance check due to the bank issues.. and she said she can help me get it in her bank and mail it to me, I trust and believe her and I gave the lawyer her details and they mailed the check from XXXX XXXX XXXXXXXX retirement account to her {$17000.00} ... she deposit it due to her Truist bank account is new they have to release {$5500.00} first and Hold the remaining funds. Suddenly she withdraw ahead of me to withdraw all the money and I asked her to mail me the cash, she said no and she ignored me and block me too..
Consumer complaint received 2017-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

Navient keeps telling me that my bank account does n't exist even though I confirmed the routing number several times and went to the bank I have the account with who further confirmed not only the routing number, but the account number as well. Their only solution was to sign up for auto pay. I told them I am not signing up for anything until I get confirmation that they received my payment. I had tried to pay my monthly bill four times so far and they are claiming that they can not take the money from my account.
Consumer complaint received 2022-10-28
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: NAVY FEDERAL CREDIT UNION (NC)

These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner. 

XXXXXXXX XXXX account # XXXX Navy FCU # XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OR)

Short story on XXXX our back account was taken over and our XXXX XXXX closed our account and created new ones. Our credit union set it up, that some payments would be rerouted for a month to the new account, and I would need to update them with the other companies. Citi which is who I am complaining about. For some reason the payment from XXXX was returned from Citi as they said it was bad, not explaining what happened. I was a bit confused as I also update my new payment info with them. I have been charged {$30.00} for a returned check. I asked them to return the fee and they just said it was denied. When I asked how to appeal, they just repeated it was denied, and then disconnected from the chat we were on.
Consumer complaint received 2022-10-28
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. (WA)

In XXXX my husband and I put solar panels on our house. At that time there were news stories about people having trouble with leasing them. So we purchased ours. We took the loan thru XXXX XXXX and were told they would put a lien on our home. We were told specifically that this would not be a second mortgage, but an installment loan. If I had thought this would be a second mortgage I would have gone thru a mortgage company to obtain the loan. Unfortunately, we were late on this loan less than a year ago when my husband left his job. This was due to XXXX after the loss of our son 2 years prior. We sold our house in XXXX of XXXX and moved home to be near my family in Washington State. We have been staying with a gracious family member while we attempt to obtain a loan for a home. However, we have been told that we can not obtain a loan because the XXXX loan is reporting as having been late within the last year and is considered a second mortgage. I have contacted XXXX a number of times ( 7 ) in order to find out what kind of loan this was. I was told this was an installment loan on more than one occasion and even have an email from them stating so. However, they are telling the credit reporting companies this was a second mortgage and now we are unable to obtain a home loan. IN the least, this is false advertising, or a bait and switch. I can't believe the interest we paid on a loan that I could have had funded by any local bank for half the interest. And in the worst, I was lied to, if I had known they were reporting as a second mortgage, I would have waited a year before uprooting my family and moving across country. Please help.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

This is not the first time this happens. I call in to make a payment ( because they no longer allow me to access my account online ). Multiples calls ; multiple days, same result after 2-4 minutes of waiting after being " transferred to someone that can help with my request. '' XX/XX/24 XXXX x XXXX XXXX XXXX mins XXXX seconds and XXXX XXXX minutes XXXX seconds XXXX XXXX pm XXXX minutes XXXX seconds
Consumer complaint received 2023-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

My Complaint against XXXX XXXX XXXX, was also sent to Trans Union. 
Trans Union received a false collection account report from XXXX, about my no contract, pre paid internet and residential phone service, which simply requires the month to be paid in advance. Today, Saturday, XXXX XXXX XXXX, just minutes ago, I received the Trans Union XXXX XXXX by regular mail from Trans Union about this complaint I filed against XXXX XXXX XXXX. I disagree with Trans Union, because they wrote on page 5 of their Investigation Results included, and I quote : " Was a Collection. '' Trans Union did not sent their investigation results to the C.F.P.B. or through the C.F.P.B.

But no, it was not a collection. It was paid in full as this results say. But I do not had to pay {$120.00} to use this pre paid without contract service, never, the XXXX Kiosk Payment Receipts included, the kiosk is their self service payment machine located at their stores, clearly shows 3 receipts from the year XXXX, XXXX that I paid with {$45.00} cash, because their Kiosk does not return change, and one paid by credit card for the amount of {$44.00}, which was the amount usually paid, XXXX dollars with cents. Dates of the receipts are XXXX. XXXX XXXX, XXXX XXXX XXXX, and XX/XX/XXXX. 
Again, I had to pay before the next month of use, if not, service was deactivated without penalty. I had no problem with this kind of service with XXXX XXXX for my cellphone, that I use since years ago. They always sent a Thank You message for pre paying the next month, because there is no obligation for me to continue, if I stop paying is not a collection debt, it does not change to a collection debt, because there is no contract and what I accepted was a pre paid service, just as I did with XXXX. 
XXXX XXXX respects the original agreement, unlike XXXX, who at some point and without any notice to myself at all, changed it. Nobody accumulates months of debt under a pre paid no contract service, the service is simply disconnected for the next month we never used, because we decided not to pay that next month, there is no way to use the service until we pay first. At some point XXXX changed this, without telling me at all. I never received XXXX invoices, which were available only logging in to myclaro.com if allowed by them, unlike now, that they eliminated me, I had to download the invoice, but a pre paid service does not require an invoice, they changed the terms without any notice.
Consumer complaint received 2023-02-12
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. (PR)

I got two accounts on my Experian report showing up as charge off, this information is inaccurate and violating my rights i wants this accounts remover from my report, this has been affecting me without me knowing for two years and has made my quality of life more difficult by my rights being violated and wrong information being reported. 

Account # XXXX Experian XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount - Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX Account # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$14000.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX these accounts keep showing as charged off on my report when that is not current or accurate.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following statement below was sent to TransUnion : Subject : Unauthorized Removal of Account and Request for Compensation Dear TransUnion Consumer Relations, I am writing to bring to your attention a concerning incident regarding my credit report and the unauthorized removal of an account without my permission. I have spoken with an XXXX  base Supervisor, XXXX, who confirmed that a representative from TransUnion accidentally removed the XXXX account from my file, causing significant damage to my financial standing. Despite XXXX confirming that there is a paper trail leading back to the error, she has stubbornly refused to rectify the issue. 

Firstly, I want to emphasize that I am an authorized user on the XXXX account, and at no point did I grant permission to anyone, including TransUnion, to remove this account from my credit report. The removal of this account has had a detrimental impact on my credit score and financial stability. 

During my conversation with Supervisor XXXX, I found her to be unprofessional and unhelpful. Despite acknowledging the mistake made by TransUnion, she became frustrated with the issue and abruptly hung up on me. Such behavior is unacceptable and does not reflect the level of service and professionalism expected from TransUnion. 

Due to the negligence of TransUnion and the resulting damage caused to my finances, I will be seeking retribution for the harm inflicted upon me. I hereby request compensation in the amount of {$5000.00} for the loss of creditworthiness, ongoing financial repercussions, and the time and effort I will have to invest in rectifying the situation. 

In addition to this letter, I have also lodged a report with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX  ), and the Florida Attorney General 's Office. These complaints have been filed to ensure that this matter is thoroughly investigated and appropriate action is taken against TransUnion. Furthermore, I intend to file a civil lawsuit to seek legal recourse and hold TransUnion accountable for their actions. 

I kindly request a prompt response from your XXXX XXXX department to address this issue and provide an acceptable resolution. I believe it is crucial for TransUnion to rectify this situation as soon as possible to restore my credit report to its accurate state and compensate me for the harm caused. 

Please treat this matter with the utmost urgency, and I look forward to a prompt resolution from TransUnion. I can be reached at the contact information provided above should you require any further details or clarification. 

Sincerely, XXXX
Consumer complaint received 2023-02-09
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)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-28
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-10-28
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. (GA)

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

Account Name : XXXX XXXX XXXX  Account Number : XXXX, Court : XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX, have 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CO)

I asked the branch XXXX XXXX XXXX at XXXX bank in XXXX, XXXX  for my XX/XX/XXXX bank statement that was closed in around XX/XX/XXXX. Ive been trying to get information since XX/XX/XXXX. I have been calling practically every week and the XXXX gives me some excuse and hes trying but never calls me back. XXXX did call back once around XX/XX/XXXX or XXXX saying the system is down and hes been busy! Well I need this information or I wouldnt be wasting my time. XXXX was supposed to call me back XX/XX/XXXX but never did. Im not calling him again so I decided to complain.