davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Asset Recovery Solutions, LLC (CA)

I have previously contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX regarding a loan that has been discharged. I received Copy-B of a 1099-C and the alleged debt is now income. I do not owe any debt to any of these parties. Pursuant to 15 USC 1681a, a consumer report does not include information solely as to transactions or experiences ( ie. payment history, charge off status ) between the consumer and the person making the report. Furthermore, 15 USC 1681s-2 states that 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. No one can collect on a discharged debt. Income can not be reported on a consumer report. The IRS defines a charge off as income, income does not get reported on a consumer report, meaning the reporting of the account is inaccurate. All parties have been put on notice that they are furnishing inaccurate information. XXXX XXXX XXXX XXXX also violated the agreement by sharing my information with nonaffiliated third parties. I have no contract with XXXX XXXX XXXX or XXXX XXXX XXXX XXXX and do not owe them any debt. Under the Privacy Act of 1974, I have a right to privacy. Im  revoking any and all authorization I, the consumer, may have given them written, non written, verbal, and nonverbal per 15 USC 6802. XXXX XXXX XXXX shall promptly return all Federal Reserve Notes I have mistakenly sent them per XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX shall stop contacting me about an alleged debt.
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (CA)

I switched cell phone carriers from XXXX to XXXX XXXX XXXX. XXXX XXXX XXXX vowed to pay for my phone services with XXXX but XXXX XXXX XXXX never paid for the phones I had and the services prior to moving over to XXXX XXXX XXXX. This has left a bill that I never new I had to pay. This is not right and should not be legal. They claim I owe {$1900.00} which again I was told I would not owe anything from switching over to XXXX XXXX XXXX. 

AMSHER COLLECTION SERV Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, ALXXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting 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. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-08
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. (TX)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Upon the reviewing of my consumer report, I noticed that you all were breaking several laws set by congress to ensure that information being furnished by you all are fair and accurate.

I am putting you on notice that all Late payments being furnished on my consumer report is illegal.

According to 15 USC 1666b. Timing of payments, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 21 days prior to the account being late I was supposed to receive written notice informing me that the account is going to be late. I did not receive any written notice prior. 

According to 15 USC 1681b. Permissible purposes of consumer reports, the only way any consumer reporting agency ( XXXX ) may furnish a consumer report is if it is in accordance with the written instructions of the consumer to whom it relates. I never gave Equifax written instructions to furnish any negative information on my consumer report. 

By not obtaining my written permission to furnish this negative information you all are committing Identity Theft. You are fraudulently misusing my personal information for financial and/or personal gain. 
I should also make you aware of 18 USC 1028A-Aggravated Identity Theft, anyone knowingly uses without lawful authority a means of identification of another person shall be sentenced to 2 years of imprisonment and up to 5 years for a XXXX offense.
Consumer complaint received 2017-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have my mortgage through Bank of America. I requested the PMI to be removed. Bank of America is requesting an appraisal of my home to determine if my loan has a loan to value ratio of 70 %. The PMI should have been removed automatically at 78 % of the loan using the original appraisal according to law. My loan was a refinance and only borrowed 80 % of the value of my house to begin with, 10 years ago.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

A/C # XXXX XXXX XXXX I made two complaints in the past ( XX/XX/XXXX & XXXX ) regarding the same issue but still have not resolved yet. 
Complaint # : XXXX US BANK respons letter dated XX/XX/XXXX stating that I would get XXXX bonus miles when the XXXX statement comes out. However, I never received anything. 
No wonder this branch has only one star rating on XXXX  reviews. 
On XX/XX/23, I called the customer service and asked about the bonus miles. They said they will do the research and that will take 4 to 6 weeks. 
They constantly lies and giving me runaround. 
I have been very patience and now is getting to the point where the legal action might happen. And it will cost US Bank more than XXXX bonus miles.
Consumer complaint received 2021-06-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

<p>I have two vehicles financed with RBFCU. My goal was to pay off both of these vehicles ( about XXXX owed on each vehicle ). I was eager to pay these off since I'm refinancing my home. My lender needed my debt to income reduced in order to accomplish my goals for the loan.</p> <p>In the early days of XXXX, I tried to make the payments for the total payoff amounts for each loan. For some reason, this was not possible through the online portal which I use to make payments on these loans every month. It forced me to call in order to process a payment. After a few days of attempts, I finally was able to wait on hold long enough to get someone to XXXX XXXX XX/XX/XXXX, I spoke with a rep that determined the total payoff amount for each loan. She told me the interest would have to be two days in the future since that's the amount of time the ACH payments would take to go through. I agree. I then see the total amounts taken from my checking account to payoff each loan. So, those accounts should be closed, right? WRONG! </p> <p>Two weeks later, today, XX/XX/XXXX, my mortgage lender informs me there is still an amount owed on one of these loans. To my surprise, I log into my RBFCU account, and sure enough. It is still open and has an amount still owed of ~ {$1400.00}. Even more to my surprise, there is an additional amount of money in my savings account that is that amount. </p> <p>I quickly make a payment from the savings account to the car loan account in order to pay it off in hopes of moving forward with my mortgage loan. However, this has caused a lot of hassle and could potentially cause me to not be able to close this month. If I can't close this month, I have to pay another month of higher interest, rates could slip, etc etc. </p> <p>The fact is, my payment was wrongfully routed at the discretion of a bank employee to an account I didn't advise. This is ( significant ) costing me money in the form of interest and potentially other fees, ESPECIALLY if mortgage rates increase.</p>
Consumer complaint received 2024-03-25
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GREENSKY OPERATIONS, LLC (OH)

I signed up for work to be done through a company called XXXX. They are based out of XXXX, Indiana. The work was crawl space repair. They then set us up with an unsecured loan through GreenSky. A down payment of roughly XXXX was taken from the loan to pay XXXX for work to be done. The problem with this is, the loan has now been open for a month and a half and no work has been done. No communication from XXXX has been received. So now I have a deferred interest loan building for work that is not being done.
Consumer complaint received 2021-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (NV)

WAKEFIELD AND ASSOCIATES is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1100.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I CAN NOT ACCES MY FREE TRANSUNION CREDIT REPORT, I AM RECEIVING AN ERROR MESSAGE FOR EVERYTIME THAT I REQUEST MY CREDIT REPORT. I AM ALSO RECEIVING THIS ERROR MESSAGE WHEN I REQUEST TO MAKE AN DISPUTE. PLEASE HELP FIX THIS MATTER AS SOON AS POSSIBLE. ATTACHED WILL BE A COPY OF WHAT THIS ERROR MESSAGE LOOKS LIKE.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

As a consumer, I have listed the concerns about Experian 's reporting to my credit profile. I sent Experian my first dispute letter which was received by Experian on XX/XX/XXXX, via certified mail, and the second which was received by Experian on XX/XX/XXXX, via certified mail. My Credit report is not complete nor accurate and Experian has failed to meet applicable standards according to the law that they are required to adhere to by for both FCRAs as well as Metro 2 compliance. My rights are being violated and I am aware that Experian has been sending out form letters in response to my letters which is illegal. Currently, I have no choice but to invoice Experian for violating my consumer rights and for personal damages incurred. I am attaching my invoice to Experian listing the laws that they are in federal violation of and also attaching a copy of my last dispute letter that they have ignored.
Consumer complaint received 2022-09-08
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2017-06-22
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. (TN)

I am a victim of Identity Theft. Someone has placed things on my 3 credit bureau reports and they also filed bankruptcy in my name without my consent or knowledge. I sent the complaint to all 3 credit bureaus along with multiple attachments as proof. By law, the 3 bureaus had 4 days to block the information relating to the identity theft. Out of the 3, only 1 has done anything and they ONLY annotated that the bankruptcies were " in dispute ''. All 3 of these bureaus should have blocked this information immediately and they have not.
Consumer complaint received 2020-10-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (FL)

This company has violated FCRA, The company has admittedly said that they received my FCRA 609 letter on XXXX the XXXX and they did not send out a letter until XXXX the XXXX, therefore taking more than 30 days to respond. I have never received a letter with my rights, I would like the company to look into their records and tell me what address they claim they sent the letter XX/XX/XXXX. 

They have also violated FCDPA, threaten to sue me for debt that was never validated.
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

I AM XXXX AND XXXX XXXX XXXX AND XXXX XXXX A THING. 

THEY ARE UPSET AT ME FOR PUTTING IN DISPUTES. THEY ACCUSED ME OF LYING WIHICH IS A TOTAL LIE. THEIR FOLKS PUT ALL IN AND MADE SO MANY MISTAKES. I ACTUALLY WAS THE ONE WHO CALLED ON ALL OF THEIR ERRORS. 

I DO NOT LIKE TO BE ACCUSED OF THINGS I HAVE NOT DONE. 

THE KIDS MADE SO MANY ERRORS AT CITI CARD AND FOR ME OT BE BLAMED IS SICK. IT IS ALSO ABUSE AND LIES. 

XXXX XXXX FOLK CAN XXXX XXXX AND THEY TRUST THOSE TO DO THINGS RIGHT. I WAS WALKED ON. 

I TRIED TO TALK THIS OUT, BUT SINCE I AM XXXX XXXX XXXX AND NO ONE LIKES XXXX FOLKS, I AM TOLD AS ALWAYS, LEAVE US ALONE AND PUT IT ALL IN WRITING. 

TODAY I GOT A CALL AND DO NOT KNOW WHY. 

THEY REFUSE TO PUT MY CREDITS THROUGH. 

I HAVE ALOT OF MILEAGE AND THEY DID THIS ON PURPOSE. 

CITI IS BLAMING ME FOR PUTTING IN DISPUTES. TRUST ME, IT IS MY XXXX AND THEIR WAY OUT OF PROVIDING THE NEEDED TOOLS TO THE XXXX  AND XXXX  XXXX XXXX SO THEY DO WHAT THEY DO TO HURT AND TO LIE TO GET RID OF THEM. LOOK AT THE PATTERN. 

DISCRIMINATION AGAINST A XXXX  AND XXXX PERSON SHOULD BE AGAINST THE LAW. I PUT MY TRUST IN THEM TO DO WHAT IS RIGHT AND THEN I GET ACCUSED OF STUFF I NEVER DID. 

I HAD MY HAIR RUINED AND PUT IN A DISPUTE AND ALSO AT XXXX IT WAS A MESS. CITICARD IS THE ONE WHO MADE SO MANY ERRORS AND NOT ME. I HAD TO CALL DUE TO THEM MAKING THE ERRORS. THE DID MAKE MORE THAN ONE ERROR AND TO BLAME ME, WHEN IT IS THEM IS SICK.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

When trying to make payments, I was unable to cancel automatic payments. Although I did initially turn off auto pay, somehow the feature was turned back on ( not by myself ). This caused several payments to attempt to withdraw from my account in which there was n't funding for the payments to be made. I called about the issue many times but no change occurred as result I was charged {$2000.00} in fees by Chase. A total of 85 attempted payments incurred fees. I would like to pay my credit card in one full with one payment. But I will be unable to do that with {$2000.00} added to the {$1000.00} limit credit card.
Consumer complaint received 2017-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NH)

DOVENMUEHLE MORTGAGE I have paid down my mortgage below 78 % from what i understand by law my mortgage company should just drop the PMI. They are saying i have to pay for a appraisal to drop the PMI. I got my mortgage XXXX/XXXX/XXXX. Its a waste of my time and my money ( {$620.00} ) to pay for a appraisal when house prices have doubled since i bought the home in XXXX. I pay my mortgage every month on time.
Consumer complaint received 2017-04-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I think this concerns both federal and private loans. Regardless, my servicer is navient. They make it EXTREMELY difficult to make any additional principal only payments. All I wanted to do was make additional principal only payments ... to be done automatically through my bank. Every month, my bank would send them a clearly labeled principal only check to be applied to loan " X ''. An additional automatic payment by check to my particular loan. They will not accept it unless I WRITE A LETTER EVERY TIME I send in a check. WRITE A LETTER??? Seriously??? This is unheard of. This is ridiculous. I cant even write ONE simplified letter stating " ALL additional payments beyond my monthly payment should go to principal only for loan X ''. They will not accept it. You have to ATTACH A LETTER TO EACH CHECK EVERY TIME! You do n't even have to do this for mortgage loans. I have a loan for XXXX and it is absolutely EASY to make additional principal only payments. The bottom line is ... Navient does NOT want me to pay off my loan early! They make it Extremely difficult knowing that typing a letter for each check is very time consuming and simply will not get done.
Consumer complaint received 2024-03-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I am a full class member of the Sweet v Cardona Settlement and my application for discharge has been approved by US Department of Education for my Federal Loans. This is my 3rd complaint in regards to Navient. 

The scam school that I attended was XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and the Predatory Lender is Navient. A total of 4 Federal loans were taken out and 3 private loans ( 2 Tuition Answer and 1 Career Training ) were taken out. In XX/XX/XXXX the Federal loans were consolidated and switched to XXXX due to the problems with Navients payment processing issues and the private loans stayed with Navient. 

Office of Illinois Attorney General as of XX/XX/XXXX had received no response from Navient directly to them in regards to my last complaint filed with them. They sent Navient a reminder which were giving them an additional 10 days to respond. 

On XX/XX/XXXX I received a response from Navient in regard to my Federal Stafford Loan Payments because there were several payment reversals on my account history for federal loans. Navient removed several federal loan payments and applied them to a private loan. I did not ask Navient to switch this and asked for proof. In this same letter XX/XX/XXXX from the Navient XXXX indicates that the payments were reapplied to my private loan ending XXXX. I do not have, and I have never had a private loan ending in XXXX. 
XXXX financial aid officer pushed me to take out additional living expense money and gave me a pink sheet for a direct-to-consumer loan called Tuition Answer Loan through Sallie Mae . The minimum amount to borrow was {$1500.00}. The pink sheet said this loan is outside of your financial aid which exceeded the cost of attendance and used to cover your XXXX college living expenses. XXXX pushed for students to only use Sallie Mae. 
XXXX XXXX Bankruptcy was filed and discharged on XX/XX/XXXX. The private loans were direct to consumer loans and should have been discharged in bankruptcy, but Navient has continued to demand payments with abusive debt collection practices. Navient claims to date over {$18000.00} is owed in private loans and I will default XX/XX/XXXX.
Consumer complaint received 2024-09-13
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. (DE)

This is my several endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX  XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance XXXX {$8900.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX