davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (WV)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (TX)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2019-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Information Bureau, Inc. (FL)

This case is a charge for medical services resulting from a traffic accident on XX/XX/2018 so these medical expenses entered into a dispute between the insurance companies and my lawyer so that until I had the entire case resolved my lawyer had not made the payment.
Consumer complaint received 2022-12-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (AZ)

My student loans are serviced by Mohela. I have been a federal employee for over ten years. After several months of no progress, my loans have been forgiven under the Public Service Loan Forgiveness Program. My balance is currently showing {$0.00} on both Mohela as well as StudentAid.gov. However, my credit reports are still showing that the loans have a non-zero balance. Mohela is saying that it will take ninety BUSINESS days to correct the amount on my credit report.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to formally complain about XXXX, Transunion, and XXXX 's multiple violations of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Privacy Act of 1974, and related statutes. 

The core of my complaint is rooted in the failure of XXXX, Transunion, and XXXX to comply with the FCRA 's mandate for accuracy, fairness, and privacy in handling my consumer report and personal information, as outlined below : Violation of FCRA 1681a, 1681b, and 1681c : The agencies included adverse information in my consumer report and has furnished my consumer report without my written consent, contrary to the requirement for explicit consumer permission for such disclosures.

Infringement of Privacy Act of 1974 and FCRA 1681s-2 ( a ) ( 1 ) ( A ) : The agencies reported inaccurate information and failed to maintain reasonable procedures to avoid such inaccuracies, directly violating my rights to accuracy and privacy. 

Non-Compliance with Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) : I have not been adequately informed of my right to opt-out of information sharing as required, nor have I given any form of consentwritten, verbal, implied, or otherwisefor my personal information to be shared with nonaffiliated third parties. 

Exercise of Right to Opt-Out : In accordance with 12 CFR 1016.7 and my rights under the aforementioned laws, I hereby opt-out of all future reporting and sharing of my personal information by XXXX, Transunion, and XXXX XXXX 

I assert that the actions of XXXX, Transunion, and XXXX have not only violated specific statutes of the FCRA but have also breached the broader principles of fairness, impartiality, and respect for consumer privacy as mandated by Congress. 

I request a thorough investigation into these matters and appropriate corrective actions to ensure the protection and confidentiality of my personal information. I also seek confirmation of my opt-out from further information sharing and an assurance of compliance with all relevant consumer protection laws. 

Thank you for your attention to this matter.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX billed amount XXXX $ -- -this account should not be furnished on my consumer reports as they are in violation of 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting 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. Please delete these items immediately.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

{$190.00} electronic payment that was made electronically from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to Bank of America on XX/XX/2022. Bank of America said that they are unable to find the payment, and XXXX XXXX XXXX  confirmed that they executed the payment properly and that it was received by Bank of America. I submitted requested copies of Bank statements and Proof of Electronic Payment from XXXX XXXX but Bank of America it said can not find the payment. The payment was intended to pay my XXXX bill statement account XXXX but, by mistake, it was sent to an old/closed VISA account XXXX. In any case, the money was transferred to Bank of America and they should be able to trace the transfer with the Proof of Electronic Payment which is a Bank-to-Bank tool for tracing payments. It is incredible that Bank of America can not find the funds credited to them even with the Proof of Electronic Payment. Please help, Thanks, XXXX XXXX
Consumer complaint received 2021-03-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

The absolute worst mortgage servicing company we have ever worked with. Absolutely terrible customer service and completely dishonest. Borderline predatory on VA customers. 

Working with Lakeview XXXX, XXXX XXXX and XXXX XXXX did not respond to e-mails, or phone calls in a timely manner. This was for a VA Streamline refinance in which they reached out to us to initiate. 

Our mortgage closing date was delayed significantly, due to no response/contact after all documents were ready for closing, which caused us to incur late fees with our previous mortgage company, and when asked if should call XXXX XXXX XXXX, we were advised no. Speaking with XXXX XXXX XXXX they stated it is standard for loan officers to call or advise consumers to call and they would waive the fee. 

We asked approximately six times across both personnel to ensure our Escrow came back to us, via phone, e-mail and official documentation. On XXXX XXXX we spoke with XXXX directly to understand what the current delay was and ensure our election referencing the escrow was still in consideration and he assured us that our escrow would come back. 

We have documents from XXXX XXXX XXXX XXXX that stated that XXXX contacted XXXX XXXX XXXX on XXXX XXXX, the next day, and explicit asked for a second payoff letter TO INCLUDE the escrow in the payoff ( what we explicitly reminded him we did not want and he acknowledged the day before ). 

Further, the timeline from initiation to closing was completely unacceptable for a streamline refinance and was further compounded by the amount of phone calls and e-mails that went unanswered by XXXX XXXX. 

Post closing we sent 3 follow up emails to both personnel with a requested response and did not receive one. We will continue to submit complaints with all organizations to include the XXXX until we have a full break down of all 4 estimates we received and why our wishes were directly dismissed without any valid responses.
Consumer complaint received 2017-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (ME)

With a balance of {$15000.00} that had been an available balance for over five months, I wrote a check for {$5200.00} and they declined to release the funds. I was charged service fees for insufficient funds. Upon contacting me, they initially claimed the account was not authorized for check writing, to which I pointed out they had issued me a checkbook and ATM card. CITI agreed it was intact a checking account but it was ineligible for withdrawal as it was recently opened. I pointed out that I had maintained a {$15000.00} balance for six months. They never provided a satisfactory answer to why my check was not honored and proceeded to spend the rest of the phone call insisting I could not close my account and have my funds returned to me. When I opened the account in XX/XX/XXXX, they attempted to take the initial {$15000.00} deposit THREE times from my XXXX XXXX account for a total of {$45000.00}. It took hours with myself and XXXX on a call to resolve the issue -- CITI never gave an answer or admitted overdrawing my account and ultimately XXXX has to put a hold on their account to prevent further raiding of my funds. Their practices are a violation and their conduct and accountbility nonexistent.
Consumer complaint received 2017-07-21
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: First Associates Loan Servicing LLC (FL)

I have a loan with Peaks Private Student Loan and it has been charged off for sometime now however they keep re-aging the account and this practice is illegal. I filed a dispute with XXXX and all they did was verify that the account belonged to me. That was not what I was disputing. So I would like the account deleted from my file.
Consumer complaint received 2019-05-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC (MI)

I received a letter on XX/XX/207 notifying me of potential wage garnishment due to a missed payment. The notice stated I had 20 days to communicate with Americash to discuss my options and that wage garnishment is not required. However, the notice was also sent to my companies HR department the same day, XX/XX/2017 allowing me no opportunity to discuss my options before contacting my company. My HR department immediately put the wage garnishment into effect ( my payday was a few days later and it was already reduced ). I was embarrassed since the letters were received at the same time causing me to be completely blindsided. I was given no chance to discuss my options and had no control over my own finances. Not to mention the reduction in my pay caused me to miss my rent payment and lead to other issues.
Consumer complaint received 2022-07-26
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: Convergent Resources, Inc. (CO)

In accordance with the Fair Credit Reporting act. 

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.
Consumer complaint received 2022-05-03
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. (VA)

To whoever it concerns my name is XXXX XXXX I am seeking litigation for the violation for Not following the the codes 15 USC 1681 section A 15 USC 1681 section 604 A Section 2 For the accounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs XXXX XXXX Equifax are not honoring my request for the law code set in place for me.. There giving me stall tactics.. In your database you can see all the complaints that I sent to you and none of them been honored by law please look into this matter for me thank you
Consumer complaint received 2019-05-04
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. (NY)

I have a deferment letter clearly stating that my loans ere in deferment, yet all my credit reports show XX/XX/2018 as late and the deferment letter received shows in Deferment for XX/XX/2018. I have tried disputing, I have tried contacting company, got no assistance.
Consumer complaint received 2017-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

I obtained a sample online in which I agreed to have the company mail to me in the amount of {$5.00} -Eye Serum ... w.in 2 weeks later they tried to charge my CC an amount of {$89.00} ... I called my bank and advised I never agreed to such / there was NOTHING on line in which I would agree to such as I NEVER would have purchased same. they provided me temp credit and now I received a response from Bank stating they are reversing that credit onXX/XX/XXXX however failed to provide me ANY documentation ... They are NOT protecting me as their customer and this is NOT acceptable.. I never agreed to such and if the company is stating I signed anything it was NEVER online or via mail so it is FRAUD!!! I HAVE emailed Chase w. no response.
Consumer complaint received 2022-12-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-03-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2021 they stated that the lender requested that my information be removed from there system. I then spoke with the lender in received email documentation stating that they did not do so. In they said they did not request the account to be deleted from the report. In transunion said that the only way to reinsert the account is for the lender to do so knowing. That the lender has closed the portal on XX/XX/2021 in no longer has access to do so enabling the process leaving me with no other alternative
Consumer complaint received 2018-05-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (CA)

About ten years ago, I was mislead by a XXXX, California Citibank investment account representative into opening a Brokerage account by investing in a XXXX XXXX XXXX that I later found out was newly established. He pressured me into opening the account and formed an inaccurate financial picture of me but failed to tell me that I could cancel the account within a few days while I went overseas. Needless to say, that account representative no longer works for the company. My account was charged the {$75.00} maintenance fee even though I had enough funds to have the {$75.00} amount waived ; the representative never told me there was a fee or that my account would not be charged the fee. I filed a complaint against the broker but it went unheeded. I spoke with a representative at Citibank brokerage about the fee but was advised that the fees could not be waived retroactively. I have been a Citibank customer for over fifteen years and am owed at least {$750.00} for the annual maintenance fee Citibank brokerage charges for the account. 

I will be closing my account and taking my hard earned earnings elsewhere due to the subpar customer service at the branch in XXXX and XXXX XXXX.
Consumer complaint received 2022-08-26
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. (TX)

On XX/XX/XXXX, upon the advised of a legal councel, I immediately went to XXXX XXXX Police Department and filed a report regarding what I just learned a fraudulent information showing on my credit report. I am very much surprised to learn that an existing mortgage account being reported under my Name and my Social Security number by XXXX XXXX XXXX  with opened date back XXXX of XXXX. 

I hereby attaching sworn statement given in from of Police Office XXXX XXXX # XXXX. 

Account information of fraudulent account is as follows. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Loan Amount : {$90000.00} Balance Owed : {$15000.00} Though this account appears to have been kept with good payment status, this is still not mine and must be removed from my credit report immediately.
Consumer complaint received 2017-07-21
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: EQUIFAX, INC. (FL)

I have a loan with XXXX XXXX XXXX XXXX and it has been charged off for sometime now however they keep re-aging the account and this practice is illegal. I filed a dispute with Equifax and all they did was verify that the account belonged to me. That was not what I was disputing. So I would like the account deleted from my file.
Consumer complaint received 2024-02-07
Product: Credit reporting 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 discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (CA)

XXXX XXXX Account name holder is XXXX XXXX And the debtor is XXXX bank pursuant to 18 USC 8 I owe no debt this company is violating my consumer rights to privacy pursuant to 15 USC 1681 B2 company has also no permission to put anything using my info pursuant to 15 USC 1681 4.
Consumer complaint received 2021-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (TX)

I just made a complaint about this company on XX/XX/XXXX, they replied to it on XX/XX/XXXX, stating they apologized, they will no longer make contact or attempts to collect this debt. I also have their original letter dated XX/XX/XXXX that states : TEXAS RESIDENTS : THE LAW LIMITS HOW LONG YOU CAN BE SUED ON A DEBT. BECAUSE OF THE AGE OF YOUR DEBT, WE WILL NOT SUE YOU FOR IT, AND WE WILL NOT REPORT IT TO ANY CREDIT REPORTING AGENCY. THIS NOTICE IS REQUIRED BY LAW. Well, after I disputed with them, filed complaint with CFPB and they said they would no longer attempt to collect, they put 3 amounts of debt on my credit report!! I was notified of this today. This is unethical and needs to be deleted from my report immediately. I do not have any negative items on reports until now with this bogus debt that was not my fault. I gave insurance to hospital, they billed and got paid. The physicians billing failed to do so. They have broken so many laws at this point.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.