davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX  XXXX, Account Number # XXXX, XXXX XXXX XXXX XXXX, Account Number # XXXX XXXX XXXX XXXX, Account Number # 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 2022-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX  XXXX, Account Number # XXXX, XXXX XXXX XXXX XXXX, Account Number # XXXX XXXX XXXX XXXX, Account Number # 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 2018-03-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TN)

The private student loan that I took out with XXXX XXXX has accrued so much interest that it will be difficult to pay it back. The credits did not transfer to other universities. I had to take the same classes over again. I now have to pay back a student loan that was worthless to me.
Consumer complaint received 2022-02-23
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. (FL)

On XX/XX/XXXX, I, XXXX XXXX, an consumer, sent Equifax certified mail via XXXX. However, According to my consumer report that I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX BANK such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted First Progress Remittances, XXXX XXXX BANK XXXX, XXXX BANK and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX XXXX Account # XXXX XX/XX/XXXX of listed late payment XXXX. XXXX XXXX BANK XXXX, Account # XXXX XX/XX/XXXX of listed payment XXXX. XXXX BANK, Account # XXXX XX/XX/XXXX of listed late Any information listed on my consumer report must be verified. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above-mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 

Kind Regards XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved.
Consumer complaint received 2020-03-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

To whom it may concern ; the following should never happen to anyone in this great county of ours. My mother and I have joint accounts at a Suntrust Bank addressXXXX XXXX XXXX XXXX Va.XXXX. The joint accounts are/ were checking, savings and CDs. My mother and I in XXXX went to the bank, mom wanted to take out a loan for {$5000.00} to help her grand daughter and great granddaughter to get some kind of transportation, they limp back up here from Florida penny-less. XXXX XXXX XXXX, XXXX Branch manager, said the interest rate would be 8.9 % .My mother has been banking with Suntrust every since they have opened here, and she has perfect credit. I asked her if she could do better on the rate, no was her answer. Mom 's CDs and savings was early XXXX % percent interest. Giving the bank the ability to make substantial interest of her monies. I told mom that was not fair by a long shot. The monthly payment was {$150.00} per month, Mom allowed one payment to be automatically withdrawn from her checking account, for the month of XX/XX/2020. Then she decided to pay the loan off XX/XX/2020 prior to the due date,. She was told that she would be getting {$34.00} back, then later she was told that it would be {$4.00} of which she has not received. It was decided that having her money in this bank was not serving her purpose, only the banks. So my mother and I started pulling her money out, and I was with her time for safety. Now here is the bad and embarrassing part, some at the bank call the Department of Social Services, a  XXXX XXXX, she came to my mother home and I was not there and grilled my mother about her taking monies out of the bank. Asking her weather I was taking the monies from her, my mother said that I would never do anything like that, that if there was no food in the home, that I would go without eating to make sure she ate. Mrs. XXXX would not disclose who filed the complaint, but I strongly believe it was XXXX XXXX, she is not a nice person. I strongly believe that my mother 's and mine privacy has been invaded, and I will be contacting an attorney very soon. The lady from Social Services, per our phone conversation was basically treating me like a theft. Any help would greatly be appreciated.
Consumer complaint received 2020-03-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (CA)

Attorneys representing Seterus, XXXX and XXXX XXXX are non compliant with California Civil procedure in timely filing and noticing me the homeowner/borrower of latest motions to strike and demurrer. 

the latest filings are attached
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a Bank of America ( B of A ) customer. 

Last XX/XX/2020, my husband recently received a letter from the B of A dated XX/XX/2020 ( Ref. # XXXX ) expressing their condolences for my recent demise ( death ) stating how he should manage my financial accounts ( and indicating therewith the documents needed and steps to do so ). 

I am very much alive and no member of my family has ever made any report of my demise. 

Thinking that the letter is a result of a clerical error on the part of the B of A, my husband contacted the bank via the phone number they provided to report the incorrect information in an attempt to rectify the situation. However, the bank representative was unable and unwilling to help stating only that I should present myself in person to a local branch with proper identification to set the record straight. Further, the bank representative refused my husbands repeated request to find out from where or from whom the report of my demise originated, citing privacy concerns. This despite him insisting that such erroneous report has caused us a good deal of confusion and anxiety. 

On XXXX XXXX, I took time off from work went to a local B of A branch and presented myself in person along with evidence of my identity. However, a similar request that I made on the origin of the false report ( that has caused us much disturbance and inconvenience ) was also refused for reasons of privacy. This is despite having explained to the Bank that the false report and their obvious lapse in validating such information has caused us a great deal of trouble. Moreover, I explained that I am the aggrieved party and the one that has suffered the consequence of their lapse and questioned why their inclination is to protect the source of the false report instead of the affected customer ( myself ). At that instance, I requested the local branch to provide me in writing that such reason for their inability to disclose the origin ( identity of source ) of the false report of my demise and to guarantee that no such report will be entertained without proper investigation to avoid any future repeat of this distressing incident. The Bank, however, is unable to oblige to what I think is a fair and reasonable request. 

The situation I described above provides details to my complaint which, in sum, is a request for the BofA to disclose the source of the false report so that I may take the necessary action to prevent its recurrent ( especially in case of a malicious false report from any party who wishes me and my family harm or disturbance ).
Consumer complaint received 2020-03-09
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: Experian Information Solutions Inc. (FL)

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. I never had accounts like that and never opened. 
Remove this one from my credit report.
Consumer complaint received 2020-03-09
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 do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. I never had accounts like that and never opened. 
Remove this one from my credit report.
Consumer complaint received 2020-03-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (NY)

I have a car loan with Ally Financial. I have been makng the payments on the loan for the past 72 months. I am currently down to 2 more payments left of the loan, in which the monthly payments with Ally Financial are {$400.00} per month. I have on line access to my account with them, so most of my payments are paid thru the website in which I can also review previous payments, information about my vehicle and what is still owed on the vehicle, etc. I called them for a payoff on XX/XX/2020. Their representatives told me that my payoff would be {$3000.00}. My account shows that my total balance due on the loan is {$2100.00}. After being on the phone with 3 different representatives for extended periods of time, I could not get an explanation from any of the reps as to where they are getting their amount of {$3000.00} from. They also tried to tell me that they only received {$100.00} for my XX/XX/2020 payment when in fact it shows on my account that I paid {$300.00} on XX/XX/XXXX and the balance of {$100.00} on XX/XX/2020. I am currently on unemployment and retirement, and they know this. I have struggled in the past to make my payments on time or at least within the 10 day grace period so I have incurred some late fees which I do not have problem paying but they are adding additional fees on my balance to pay this loan off. They are also not adding in payments to my balance owed that have been made to them. I have dealt with this situation on several occasions in the past but just paid what the rep said I owed because I was tired of arguing with them and them taking up hours of my time on the phone. I have supporting documents if needed
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 — Reporting company used your report improperly
Company: Atlanticus Services Corporation (GA)

I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. No authorization was given to have a hard pull of my credit file.
Consumer complaint received 2020-03-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

Our mortgage was originally serviced by XXXX XXXX. It was recently purchased/transferred to Carrington Mortgage Services. When we attempted to make our first payment online, Carrington is charging us a " convenience fee '' of {$5.00} per payment. They purchased this mortgage and, as far as I understand, must abide by the original terms of the loan, including payment terms. Those terms include online payments without a fee. I consider this to be a violation of my loan terms.
Consumer complaint received 2022-02-23
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: EQUIFAX, INC. (GA)

I received a copy of my credit reports in XX/XX/XXXX from XXXX, Equifax, and XXXX am disputing some items that need to be deleted. There are inaccurate accounts and information listed on reports that I did not authorize anyone to open neither these companies to report on my history. I am assuming my information is at high risk of identity theft and fraud which is prohibiting me from acquiring a new home. 

Equifax Dispute Center received letter on XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. Its been well over 30 days with no response from any companies. According to the provisions of the Fair Credit Reporting Act these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. In your investigation results please provide the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please see attached USPS Certified Mail Receipts of Dispute Letters sent to credit bureaus agencies.
Consumer complaint received 2020-03-09
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: EQUIFAX, INC. (TX)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that were open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$940.00} XXXX XXXX {$660.00} XXXX   XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$38.00}
Consumer complaint received 2020-03-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Submitted dispute online on XX/XX/2020. As of XX/XX/XXXX it has been more than 30 days without any results being sent to me. All information disputed needs to be immediately deleted from my credit report as allotted time for Transunion to investigate per FCRA has passed.
Consumer complaint received 2023-06-06
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. (DE)

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

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-27
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: EQUIFAX, INC. (NC)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2020-03-09
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: EQUIFAX, INC. (FL)

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. I never had accounts like that and never opened. 
Remove this one from my credit report.
Consumer complaint received 2020-03-09
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: Experian Information Solutions Inc. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to open up a bank account I was told there was one already open under my name at the bank I went to that I never gave anyone consent to open. Please remove these unknown items from my report immediately. 

XXXX XXXX XXXX {$420.00} XXXX XXXX-XXXX  {$620.00} XXXX XXXX-XXXX {$420.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$450.00} XXXX XXXX {$92.00} XXXX
Consumer complaint received 2022-12-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I have already disputed this charge from my account but it is still appearing on there. I am not the person they are charging me. The amount is of {$1100.00}. I disputed the transaction on in 2021 and It still is affecting my credit. It doesnt appear on any of the other credit bureaus and I want it off of my account because it is still appearing as a collection on my credit and it is affecting it.
Consumer complaint received 2020-03-09
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to open up a bank account I was told there was one already open under my name at the bank I went to that I never gave anyone consent to open. Please remove these unknown items from my report immediately. 

XXXX XXXX XXXX {$420.00} XXXX XXXX-XXXX {$620.00} XXXX XXXX-XXXX {$420.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$450.00} XXXX XXXX {$92.00} XXXX