davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I did not give anybody written instructions
Consumer complaint received 2019-10-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

XX/XX/2018 I closed my loan application with Amerisave, loan number XXXX, and requested the {$500.00} they collected for an appraisal fee to be returned. My home was never appraised.
Consumer complaint received 2017-08-28
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. (IL)

On 5 separate occasions I contacted Equifax in regards to unauthorized fraudulent inquiries showing on my credit report. On my last call that I placed on XX/XX/XXXX the representative from Equifax advised me that the inquiries ( Equifax Mortgage-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, and XXXX/XXXX-XX/XX/XXXX ) would be removed as fraud since I do have an active fraud alert on my file. I received an updated report online and the inquiries were NOT removed but instead I was sent an explanation stating that inquiries are factual data and can not be removed. I contacted the creditors that obtained my report and asked them to remove the inquiries due to them being fraud and have been unsuccessful. I was told that I would need to contact Equifax. At this point these inquiries are hindering my ability to obtain credit and need to be removed as FRAUD
Consumer complaint received 2016-01-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My deposits and money in my account should cover all expenses. XXXX check that i deposited was unable to be processed by the bank due to " connectivity errors '' by the app. I get a overdraft fee, which I thought was illegal for banks to make money off of fees. And now my account is negative because bank of america keeps charging more extended overdraft fees. This would n't be a big deal but I have no money and I live paycheck to paycheck. So my check is enough to cover my apartment and living expenses but not extended fees that will keep occuring and continue to push my account further into a negative balance because I am unable to pay for them. I call Bank of America to see if I can have these fees removed and they say " These fee 's were properly placed. '' I feel like I have no power over this situation and I stress and I ca n't eat because I am thinking about how I am going to afford next months rent.
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX XXXX  : account number XXXXXXXX XXXX  : account XXXX XXXX, XXXX XXXX XXXXXXXX : XXXX, XXXX XXXX XXXX : account number XXXXXXXX XXXX/FED LOAN SERV : account number XXXX, XXXX XXXX XXXX  : account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX account number 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 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 2017-03-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent a dispute regarding updating information on some delinquencies that were reported on my credit report by XXXX, that were later placed on forebearance for a date prior to the delinquencies to a date through the delinquencies pursuant to FCRA 623a2B, I submitted the updated information and requested that the delinquencies be removed and the credit reporting agency failed to update my information and remove the late payments abd failed to properly investigate and verify the information I submitted to support my dispute.
Consumer complaint received 2023-07-05
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: SUNCOAST CREDIT UNION (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (AZ)

I had XXXX consolidated XXXX loans, sub and unsub, at Navient from XXXX to XXXX. In XXXX they were consolidated into a direct loan at XXXX In XXXX that loan was XXXX through borrowers defense as part of the XXXX XXXX XXXX XXXX 

After almost 2 years of continuous FSA complaints, emails, calls and chats, the ombudsman verified that I would not qualify for a refund because the payments I made during that time went to the commercial navient student loan trust. 

That has raised some questions for me. 

In XXXX, I was very careful to keep all of my loans federal so that I could access the benefits. I sincerely believed that those navient loans were indeed federal, and I would be able to receive refunds along with everyone else in the settlement who had federal loans. The unfairness of that is obvious. If they were federally backed and insured, why then under the settlement or XXXX is the XXXX not then liable? 

I was not warned or aware of the fact that I had given up any right to a federal refund under any circumstances, in perpetuity, from a XXXX caused lawsuit no less. 

The XXXX program was intended to maintain all benefits and liabilities of a federally owned loan, was it not? I had a bankruptcy in XXXX in which those loans were immune because they were federal student loans. Navient had no risk or liability at any point. 
From my understanding, if those loans went into default, the government would take responsibility and ownership, and any payments made after that are refunded under borrower defense. 

I can assume that this situation has come up for many, and has been discussed here. 
However, I havent been able to find any action being taken on our part from any government entity, or lawsuit Is there anything we can do to make this situation fair for all of us. Those loans were conveniently federal when I had a bankruptcy, but commercial when borrowers defense is approved, or a settlement is approved. This has caused an overwhelming amount of frustration, XXXX and XXXX for myself, in addition to the obvious financial damage it has caused. 

I would have been in good shape if I never made payments and let it default. I would still have the approximately $ XXXX that I handed to Navient.
Consumer complaint received 2023-07-05
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: Credit Corp Solutions Inc. (TX)

XXXX XXXX Account : XXXX has violated my rights under 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2022-04-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc. (CA)

I received a collection notice from Morris, Lockhart , & Montgomery on XX/XX/XXXX. The letter stated I had 30 days to request a debt validation letter. I sent my debt verification letter on XX/XX/XXXX via certified mail. The letter was received but it has been more than 30 days since i requested the letter and i have not received this information. This debt has been reported to the credit reporting agencies. Because it has been more than 30 days and they have not responded to my verification letter, its a violation of the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My name is XXXX XXXX, a federally protected consumer and I am submitting this complaint against TransUnion and also for a follow up to my original letter sent to TransUnion dated XX/XX/XXXX, regarding inaccuracies in their credit reporting. Specifically as related to unauthrorized, fraudulent and inaccurate inquiries furnished by TransUnion are, 1. XXXX XXXX, inquiry date XX/XX/XXXX and 2. XXXX XXXX, inquiry date XX/XX/XXXX. Both inquires of which I did not authorize. In response to my original dispute concerning these inaccuracies, TransUnion replied via USPS, stating, " Your written authorization may not be required to constitute permissible purpose ''. ( their response letter is attached labeled, TransUnionIqu. ) Pursuant 15 usc 1681b ( 2 ) states a consumer reporting agency may only report under the following circumstances and none other, " In accordance with the written instructions of the consumer to whom it relates ''. 1st violation. The 2nd violation is Pursuant 15 usc 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. In the result of their response, a 2nd Inquiry letter was sent today XX/XX/XXXX to TransUnion. 
My other concern with TransUnion is that I received a letter via USPS ( attached and labeled TransUnionInfo ) stating that my " Proof of address was Unacceptable ''. I called TransUnion to speak with a representative to clarify the issue, and when I inquired about inaccurate addresses being furnished on my consumer report, the TransUnion representative hung up on me. TransUnion requested in their letter that I needed to provide acceptable documents to verify my address to which they mailed me a letter to. Also attached is that requested documentation, labeled Bank statement and also attached is a scan of my state ID. The inaccurate addresses that are being reported are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il. XXXX. All of which are not correct addresses and nothing can be delivered to me at any of those inaccurate addresses. Federal law states that everything has to be 100 % accuracy in reporting to consumer reporting. TransUnion 's actions is causing harm to me & my financial reputation.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

According to the FCRA XXXX XXXX XXXX XXXX  XXXX  XXXX MO, and XXXX XXXX XXXX XXXX XXXX # XXXX these inaccurate and unverified address must be removed asap from my credit report. This address I have never lived at and I don't want my mail going to someone else with all the fraud that is going on right now.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Subject : Formal Complaint Regarding Violations of Fair Credit Reporting Act ( 15 U.S.C. Sections 1681 ) Dear Sir/Madam, I am writing to file a formal complaint against Accounts/ Creditors listed below concerning their handling and reporting of my credit accounts in violation of the Fair Credit Reporting Act ( FCRA ) Sections 602 A, 604 A, and 605 A. 
Charged off XXXX XXXX  Credit Card : # XXXX Charged off XXXX XXXX Department Store Account : # XXXX XXXX XXXX XXXX Credit Card : # XXXX XXXXXXXX XXXX XXXX : # XXXX Despite repeated attempts to resolve issues with the above-mentioned accounts, I have encountered significant challenges in obtaining accurate information and rectifying discrepancies. Specifically, every request I have made to resolve these issues has yielded no results, violating my rights as a consumer under the FCRA. 
I have diligently requested documentation and information pertinent to these accounts, as mandated by the FCRA. However, above-mentioned creditors have failed to provide the necessary documentation or conduct thorough investigations as required by law. 
These actions or lack thereof have had a detrimental impact on my credit report, financial well-being, and rights as a consumer. I have made several attempts to resolve these matters directly with the institutions involved, but to no avail.I respectfully request a thorough investigation into these violations and the appropriate actions to rectify the inaccuracies and discrepancies associated with these accounts, in compliance with the FCRA. 
Your prompt attention to this matter and intervention in ensuring my rights as a consumer are upheld would be greatly appreciated.
Consumer complaint received 2024-05-26
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

National Credit Systems is not licensed or registered to do business in my state I Request the company provide documentation that confirms their legitimacy. This includes their business license, NMLS ID, and proof of authorization to collect debts in your state. If they can't provide these documents I Request that the unauthorized collection be removed from my credit report.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (OH)

My XXXX had a Elan credit card. I am not sure why. she is elderly and is now in the XXXXXXXX XXXX and all her social security goes for her care. I was appointed her Power of Attorney back in 2022 and took over her financial affairs last year. I called Elan to have them close the account out. She has no balance, she has no income to pay and Elan charges a {$99.00} annual fee. My mom has always had excellent credit, I am guessing rarely used the card and I am not sure why she agreed to this or why their is an annual fee on a consumer card. 

The Company told me I needed to fax in her Power of Attorney with a request to close the account. I did that. in XXXX I received a letter stating Elan would need my personal social security number and date of birth to add me to the account. I spoke to my Attorney, there is no reason why I need to be added to the account. I am legally working on my Mom 's behalf. My request was clear. Please close the Account. My Mother has no ability to pay. 

The Company recently sent my Mom an invoice again for her {$99.00} annual fee. Its like you can't close the account because the Company won't be able to collect this fee each year from her. She is XXXX. And again in a XXXXXXXX XXXX