davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : - XXXX  XXXX XXXX XXXX. XXXX : {$5600.00} XXXX XXXX  XXXX .... XXXX  : {$2400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX .... XXXX  : {$6400.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

Hey what the XXXX is happenin? I was told that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, i sent you the letters on XX/XX/2021 its almost 3 months have passed but I still haven't got any response from you. What the XXXX is this???? This is clearly a violation and your negligence. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out for my family and youre ignoring it. My information may also have gotten to the hands of the wrong person because of equifax data breach and you need to do your part to investigate and clean up these errors.
Consumer complaint received 2021-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America /Merrill Lynch has received a court order from the probate family court, XXXX XXXX , Massachusetts in my divorce case number ( XXXX ) to transfer, the Amount of {$39000.00}, which was awarded by the court order ( XXXX ) to my account from my ex-wife XXXX XXXX XXXX 401 K account, into my IRA 401K account. 
That money ( XXXX XXXX XXXX XXXX ) is held in Merrill Lynch, Merrill Lynch who, claim that they have received that XXXX court order on XX/XX/2021, Merrill Lynch claim that they have sent that XXXX order to a plan administrator called XXXX XXXX. 
I have called Merrill Lynch so many times, my last call to them was on XX/XX/2021, they are not cooperative and they do not provide me with any exact date to have my awarded judgement to be transferred into my IRA 401K account, they just keep saying it takes 30 days, but the 30 days have passed already ( that judgment was entered on XX/XX/2021 ) On XX/XX/2021 at XXXX XXXX XXXXone of Bank of America / Merrill Lynch 's representative has hanged up on me during a phone call, without any reason or fault on my side. Bank of America XXXX Merrill Lynch have been delaying the execution of the court order ( XXXX ) without any reason, I know of. 
Bank of America had also received a joint motion which was signed by the Judge and also, signed by all parties on my divorce case asking the judge to sign the XXXX  Order. the joint motion should eliminate the 30 days Bank of America claims.
Consumer complaint received 2022-07-05
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: EQUIFAX, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 a account without my written instructions
Consumer complaint received 2017-07-30
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. (TX)

This complaint is a part of and continues the matter of controversy under CFPB Complaint Nos.  XXXX and XXXX. Experians response is incomplete and insufficient as it fails to answer the threshold question : 1.  Whether their purported verification included validation of the fact that I had debt cancellation insurance coverage on the credit card accounts in question during the periods in question that, upon the filing and payment of my insurance claim resolved any alleged delinquency, retroactive to the date of the alleged delinquencies, and therefore there were no delinquencies upon said credit card accounts.
Consumer complaint received 2021-11-19
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. (TX)

I, XXXX XXXX XXXX, am the consumer. After discovery and review of my consumer report, I found that Transunion has reported information on my consumer report without my written permission which is a form of Identity theft. The law clearly states : " XXXX XXXX XXXX Permissible purposes of Consumer Reports ( XXXX  ) in General Subject to subsection ( XXXX XXXX any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates '' I never gave Transunion permission or consent to report any information on my consumer report and they have not provided documentary evidence to prove that I gave prior consent. No consent is identity theft. 

ACCOUNT ALLEGED AMOUNT XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$7400.00} XXXX XXXX {$19000.00} XXXX XXXX {$5600.00}
Consumer complaint received 2021-08-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021. I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2020-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

Account number XXXX This is my final warning. IC SYSTEM and XXXX have until XX/XX/XXXX to remove this or I will file a lawsuit. You all have my account information and further tactics used to dodge this will not be accepted. 

IC System is reporting a debt of {$520.00} owed for a XXXX Account that is not mine. Not only is this debt not mine any accounts opened prior to XX/XX/XXXX should have been addressed in my federal Bankruptcy filing on XX/XX/XXXX. Neither XXXX nor IC System at the time contacted myself, my attorney nor the The Federal court. By law if IC System purchased this debt from XXXX they had a legal obligation to mail documentation notifying me of any debt owed, IC system did not do this. Nor have they provided me with any proof that a debt is owed to them. IC System has violated numerous section of the FCRA. I worked really hard to deal with any issues with my creditors during bankruptcy. XXXX had a obligation to show up and collect any debts they feel were owed. They did not. Also I have a current account with XXXX and if a debt was owed to XXXX it would have been due prior to activating services. IC system is attempting to fraudulently collect money they are not owed. I C system has until XX/XX/XXXX to remove this debt from all reporting or my attorney XXXX XXXX will be filing charges against IC system and XXXX on XX/XX/XXXX. This is my final warning to IC System, XXXX and all Credit Agencies
Consumer complaint received 2021-08-16
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lloyd & McDaniel, PLC (IN)

I have previously submitted complaints against discover. In short, the current debt collector ( McDaniel Lloyd ) has not properly validated the debt and has made negative remarks on my account. Ive requested that they validate the debt and proof they have authority to collect it. They have not done so adequately. Specifically, they have failed to make a prima facie showing they have authority to collect under some instrument of assignment or purchase of debt.
Consumer complaint received 2017-09-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (IN)

XXXX, XXXX, and XXXX all showed my name and report as having an account with Citibank Credit Cards. XXXX dispute was good and the bad information was removed. XXXX will not answer the phones and the on line service will not function at all.
I have contacted Citi Cards and they say they can not talk to me about the account because I am not on the account and they can find no record of an account in my SS #. I asked for a written statement to that effect and they told me I had to dispute it through the individual bureaus. I have done it and all but XXXX have fixed it. 

I sold my house and now can not get a mortgage due to this error. How in the heck do I fix it?
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp. (CA)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ABSOLUTE RESOLUTIONS would verify the debt. So I took it upon myself to ask ABSOLUTE RESOLUTIONS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2018-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (OK)

I called diversified Consultants to understand why the report was not removed and they stated based on there contract with there companies that they are only obligated to report it as paid in full but not removed from the report. I was not informed that that it wouldnt be removed from the report. Just that it was reported as paid in full. Which I feel was miss leading of words and wasnt correctly informed to me. The rep I talked too has the power to remove it but because it wasnt stated in my original conversation when the acct was paid he said he would not have it removed from my report.
Consumer complaint received 2019-03-04
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ameritech Financial (FL)

I was under the impression that I was in a student loan forgiveness program. I paid {$120.00} ( XX/XX/XXXX ) and {$130.00} ( XX/XX/XXXX-XX/XX/XXXX ) to AmeriTech Finanicial ( paid to XXXX in bank statements ).
Consumer complaint received 2020-05-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (WV)

I had been out of work since XX/XX/2020 because of the Covid-19 crisis. 
Since XX/XX/2020 I have spoken with the PNC Mortgage Company that I have my mortgage through about a possible deferment until I could get low earnings/unemployment. I spoke to XXXX and she said the company would waive XXXX, XXXX and XX/XX/2020 payments. I then received a letter stating there was an agreement to the effect that my payments would begin again in XX/XX/2020. However, I was informed that ( from other associates ) that I would have to pay up to {$2400.00} in XXXX. 
At the time I was uncertain if I would be back to work or that my low earnings/unemployment would be coming in to cover this payment. 
I have since paid, upon agreement that if I could I would cover my regular payment. 
I did make XXXX 's payment on XX/XX/XXXX over the phone. I then mailed out XXXX 's payment on XX/XX/XXXX. 
I have received several statements since that do not reflect these payments. I get statements I the mail every other day. I have called and no one seems to know what I am talking about. 
I have copies of my mortgage statements and bank statements and the agreement from PNC Mortgage.
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I applied and was approved for a Capital One Quicksilver credit card, with a promotional offer of 0 % introductory APR for purchases and balance transfers for the first 15 months of the account opening. The terms of this offer are confirmed in the Account Opening Disclosures letter attached. 
However, I received the 0 % APR for purchases, but not for balance transfers. In fact, I am unable to conduct balance transfers at all. 
I called Capital One credit card services on XX/XX/XXXX, and 21 regarding this issue. Each time, the representative said that Capital One is having a technical issue where new customers are not able to access their balance transfer offers and to call back in 24 hours if the problem persists. The problem has not been resolved, and the representatives say there is no estimated date of resolution. They also did not offer any extension on the promotional period for the time lost due to this issue. 
On XX/XX/XXXX, I submitted an online request for the terms & agreements document for this credit card, also attached. According to that document, the APR for balance transfers is now 29.24 % with no introductory rate, completely contradicting the Account Opening Disclosure Letter. 
During the XX/XX/XXXX call, the representative stated that it is possible that Capital One approved my initial application but later changed the terms of my promotional offer due to further findings in my credit report. However, I never received a notice of a new credit decision or an explanation for why my offer terms have been changed. I was also never given the opportunity to decide whether I would like to continue with opening an account under the new terms.

As I stated clearly to the representatives, the main reason I applied for this credit card was for the balance transfer introductory 0 % APR. If this issue is not resolved, I will have to pay interest charges on the balances that I would have transferred to the Quicksilver card.
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (AZ)

on XX/XX/2020 i contested a charge on my bank debit visa card and the bank put the money back into my account claiming provisional ; however after the 60 day period on XX/XX/2020 they reversed it and are forcing me to give it back because they favor the merchants who give fraudulent service. 
THE U.S.BANK REVERSED A CREDIT MORE THAN 60 DAYS AFTER THE INCIDENT COMPLAINT ; AFTER THE HOTEL DENIED WHAT HAPPENED. THE HOTEL DEFRAUDED ME BY PUTTING ME IN BROKEN ROOMS AND THEN LET THE MAID OPEN THE DOOR BEFORE CHECKOUT TIME AND WITHOUT MY PERMISSION TO OPEN THE DOOR CAUSING HER TO COMMIT TRESPASS. THE BANK HAS FORCED MY ACCOUNT INTO OVERDRAFT AND IS BILLING ME FOR DIFFERENT AMOUNTS FROM {$67.00} NOW {$25.00} WITHOUT ME PAYING ANYTHING. THEY SUDDENLY FOUND SOME MONEY IN MY ACCOUNT THAT THEY OVERCHARGED ME FOR DIFFERENT TRANSACTIONS.
Consumer complaint received 2024-03-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (VA)

XXXXXXXX XXXX XXXXXXXX, the calls from Sallie Mae began to happen of my account running into default. I explained to the representative that I recently began a XXXX XXXX  that came with a pay decrease, so I asked if there was an Income Based repayment program, and their response was " no ''. Then I requested for a repayment program that could better accomadate me, the program offered was around a XXXX XXXX  monthly payment. That was not affordable for me so I had to decline. Following that, the calls continued, daily! I make payments on my loans monthly, but I am only able to pay what I can. I would speak to a representative a few times a month, and the narrative was always the same ; The caller would ask if I wanted to bring my account current, I could not afford the {$10000.00} balance, they would offer a " great '' program that again was not affordable for me. I would always get asked about my salary, monthly expenses, and none of that is ever taken into consideration. Most recently, XX/XX/XXXX I spoke with another representative, I believe her name was XXXX XXXX, this representative was very rude and inconsiderate. The representative was talking over me, raising her voice and making unnecessary comments. For example, I asked her why was I at fault for not being able to afford the payments and not being offered a program that could accomadate me and that I could afford, her response was " Well you know what you signed up for. '' That remark was very offensive as student loans was my only option to get through school at the time. She also made a comment in reference to my cosigner, her comment was " You chose your cosigner out of trust. Where is your cosigner? Why can't she assist? '' My grandmother is the cosigner on these loans and that is another issue I have. My grandmother is XXXX  and was dependent on my grandfather financially. XXXX of XXXX my grandfather passed away and since then my grandmother has not had support financially, and in result of that I don't expect her to assist with this debt. Sallie Mae continues to harrass her with daily calls and threats of garnishing her wages. My grandmother is ill and I have also explained that to all representatives I've spoken with, but the calls continue and is causing her distress.
Consumer complaint received 2021-09-20
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. (CA)

I am a victim of identity theft & I have a police report & identity theft report on file with all credit bureaus. This account does not belong to me. I would life this negative account removed & deleted from my credit file. Please refer to : Identity theft report # XXXX Police Report # : XXXX Police Report # : XXXX
Consumer complaint received 2020-11-04
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)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2020-05-29
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. (MI)

The credit bureaus have updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection.