davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2015-10-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: RevSolve, Inc. (AZ)

I called into this medical debt collector to pay a medical debt for my wife 's credit which we did n't know it was n't paid for & paid it in full. They start telling me that I ( the husband ) had XXXX accounts that was n't paid started demanding that I pay all these accounts with no info of account # 's nor having said the option to see or dispute the debts that was in?. I had no info nor this was n't on my credit report of any of these debts. After having an 1 hour phone call dictating & me trying to get info on these account, they refuse to provide & they went & put this back on the all XXXX credit bureau 's after I had an attorney look over this & they removed these because they were in?.
Consumer complaint received 2024-03-07
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

My XXXX Nelnet loans were transferred to XXXX on XX/XX/XXXX. Since then, I have had XXXX loans held by Nelnet. However, my XXXX Nelnet loans are still appearing as " open '' on my XXXX credit report 13+ months later, with their balances as of when they were transferred in XX/XX/XXXX. ( These XXXX incorrect loans are listed in addition to the XXXX correct loans now held by XXXX. ) I have filed 3 separate disputes with XXXX to correct the Nelnet loans, starting in XX/XX/XXXX. Each time, XXXX contacted Nelnet, but the information was not corrected. Instead, my credit report now states that these loans are correct as of XX/XX/XXXX, even though the information is a year out of date. Following the 3rd dispute, I contacted XXXX via phone to ask what was needed to remove the Nelnet loans. XXXX told me that they needed a letter from Nelnet stating that these loans had been transferred in XX/XX/XXXX. 

I then called Nelnet on XX/XX/XXXX. The person on the phone directed me to email their customer service email to ask for this letter. I sent this email the same day ( XX/XX/XXXX ). However, as of XX/XX/XXXX, I have not gotten any meaningful response. ( I did get one response on XX/XX/XXXX asking for my personal information so that they could locate my account, and another email on XX/XX/XXXX asking me to re-send an attachment, but nothing since then. ) On XX/XX/XXXX, I filed a complaint against Nelnet with the XXXX XXXX XXXX. They responded that it was up to XXXX to report my loans and that their action would be to request that XXXX do this. I replied that the issue was not with XXXX since XXXX had already been correctly reporting my loans for over a year, and I again requested the letter for XXXX. Nelnet 's rebuttal was that they had not provided any information to credit reporting bureaus since XX/XX/XXXX. I provided documentation from XXXX proving this was false. The customer service agent I spoke to on XX/XX/XXXX also confirmed on the phone that Nelnet had communicated with XXXX when XXXX investigated my disputes, but that Nelnet had failed to notify XXXX the loans were closed and had only provided the outdated balance and the note that the loans were in " good standing. ''
Consumer complaint received 2023-08-13
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: EQUIFAX, INC. (OH)

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. And also may be in violation of 15 U.S.C 1605. XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.C 1681 section 604 A Section 2 : It also states, a consumer reporting agency can not furnish an 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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.
Consumer complaint received 2016-02-05
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (FL)

I am contacted at least 8 times a day by different phone numbers from the same student loan company. One that is received every night at XXXX EST. My number is from the the mid-west prior to moving to XXXX. The company is contacting me looking for my son who owes a student loan for Navient. I have told them how to contact him, and was told to give them their number to contact them. I let them know I would weeks ago, and I am still receiving the calls every single day. It is not my loan, and my son has also heard from them letting them know of his situation. These are the numbers contacting XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The last number listed calls at XXXX.
Consumer complaint received 2023-07-13
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: DISCOVER BANK (CA)

Notice discovery has been running credit inquires every month and every week since the year 2022. I never have or applied for a discovery credit card. I called discovery they said no open account is open on their end. They ran my social to confirm. They inform me to contact you guys.
Consumer complaint received 2016-09-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (MD)

I received a bankruptcy discharge of the promissory note on my home. The lien remained. At some point, the lien was sold to XXXX, now known as Shellpoint. Shellpoint began sending me collection letters even though my loan had been discharged ( numerous FDCPA violations ). I contacted Shellpoint and asked them if they wanted to negotiate a new promissory note. They said yes and thus began my new nightmare. They sent me through their loss mitigation department. That department would ask me for documents. I sent all the requested documents. Then they would tell me I was missing documents. So I would resend the documents I already sent. Then they would tell me my earlier documents had expired because I took too long to send them documents I had already sent to them. This cycle has happened multiple times. When I submit the documents, I send by email, fax, and mail. I have records all every document sent, the manner sent, and the date sent. A few times they have threatened foreclosure because I " failed '' to send in required documents. I then resend, along with proof that I have previously sent them. Recently I received the same foreclosure threat, and called them. They told me " you are missing some documents ''. So I sent in my documents. Again. Yesterday, I received a notice that my house is up for foreclosure auction TODAY, due to -- failure to send in required documents. I called them to inquire and let them know what was happening. They told me there was nothing they can do because I failed to send in documents. I have records of everything submitted but they will not listen. They continually tell me I owe them money. I do not because of the discharge but I would like to negotiate a new promissory note so I can start paying them and stay in my home. They are not timely processing my documents, continue losing my documents, and continue to demand payment for amounts I do not owe. I 'm trying to do the right thing but their systems are faulty or they are just lying.
Consumer complaint received 2015-06-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NY)

I contacted XXXX XXXX XXXX who refused giving me assistance about an unauthorized inquiry on my report and even after getting on the line with a representative of the company who gave his name and ID and all of his personal info. she still did n't take care of it and gave me a hard time
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MD)

A transfer was made to Wells Fargo account on XX/XX/year> from XXXX XXXX. During my last complaint I was advised that if funds are not available transactions would be returned. I agreed and this did not happen. I was charged 7 {$35.00} fees and my transfer did not make it to Wells Fargo until XX/XX/year>. It took 4 days for banks that transactions have continued to interact with also. I have asked Wells Fargo to remove XXXX, XXXX automatic transfers since asking both companies has resulted in both taking funds each month, and quickly I transfer them back. Any assistance would be greatly appreciated.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNCOAST CREDIT UNION (FL)

I am writing to file a formal complaint against Suncoast Credit Union XXXX XXXX XXXX XXXX, FL XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. 

I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, in addition according to my rights under 15 USC 6804 financial institutions are required to safeguard and protect nonpublic information collected from consumers and I believe my privacy rights have been violated. 

On XX/XX/year>, I notified Suncoast Credit Union that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Suncoast Credit Union has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Suncoast Credit Union complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Suncoast Credit Union. 

Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights. 

I have reached out to the institutions in this complaint about my nonpublic information being shared to third parties as well as the consumer reporting agencies. I have opted out of having my information shared yet I have not received response nor have this information been removed from my report. Documentation to follow.
Consumer complaint received 2021-02-25
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Bread Financial Holdings, Inc. (MA)

Bj 's Membership no - XXXX I had Bj 's perk in-club award - {$20.00} and I spoke to customer service person name - XXXX at XXXX XXXX on XX/XX/2021 to get a check to my home address XXXX XXXX XXXX She ordered check and said it will come to my home in 2 to 4 weeks. But that has not come yet. I spoke to customer service today and spoke to XXXX. He said he could not find any old communication in their system. My rewards also expired now. This is total fraud. They don't have records of customer interaction also.
Consumer complaint received 2016-11-14
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received a bill from my credit card company in XXXX. I paid the statement balance in full before the XXXX payment due date. On my next statement that I have received, with a payment date of XXXX/XXXX/2016, I am being charged interest on the paid off balance from XXXX. They are telling me that interest was still acrueing (? ) from the XXXX statement closing date until the day I paid it in XXXX - " Residual interest ''. I have other credit cards, and they do n't do that when I pay off the balance. I used a HELOC earlier in the summer to pay off credit card debt, and none of the cards tried to get extra interest money when I paid off the balances. Not sure what has changed in the banking industry that they think they can get away with this.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2015-03-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XX/XX/XXXX, I received an email from " Bank of America on Line '' stating that my XXXX mortgage payment was not received. My home mortgage was closed/paid on XXXX. There were no accounts existing in XXXX with BofA. When I called BofA Mtg customer service I was told that I would have to contact " BofA on Line '' since that was different than BofA XXXX XXXX. I asked the customer service agent to correct the records, but they refused. Checking my annual credit report in XXXX on the web, I found that there was a 30 day delinquent record for XX/XX/XXXX thru BofA. I then went to a local BofA branch to process a request to correct the records. The branch did so and gave me a case # of XXXX. I was contacted by an agent from BofA the next day who again told me to email BofA on Line. They did acknowledge the mtg was paid on XXXX XXXX, however, but again would not correct the issue on their end. It is apparent that the " on Line '' entity has the ability to post incorrect data for BofA Mtg, but BofA Mtg. is not responsible!!
Consumer complaint received 2015-03-19
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I Want to file a complaint about Bank of America For Foreclosing wrongly on me and my familys only home we had and loved! Bank of America ruined our life 's and we have been XXXX ever since they wrongly foreclosed on me during a loan modification I was almost done with and approved for! Its been almost 3 years since Bank of America took our home and all I received from the lawsuit was XXXX. Thats not even a mortgage payment! How is this fair or rite at all!? Bank of America should have to give us back our homes or help us get new ones since they were wrong and took everything from us we worked so hard to get!
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (FL)

We attended a Wyndham Sales pitch on XXXX. After presentation they did their sales pitch, we were intrigued and we allowed them to run our credit to see what we were pre-approved for, kinda like what you would do while car shopping. They kept pushing us to agree to put it on a credit card. I clearly even told them I dont like racking up credit cards. 
We ended up not going for it because of the financial timing, with us trying to buy a bigger house in the next 2 years. Flash forward to XXXX when we are back home. I receive a letter of the pre-screen/pre-approval for a line of credit which I expectedand my husband received a Barclays XXXX credit card with a XXXX limit. At no point did we agree to opening a credit card or fill out an application. 
Ive called Barclays which said they can just close the account, which would now double hit by husband credit. Since that credit card Wyndham fraudulently opened, did a XXXX point deduction! I called the Wyndham Vacation but of course their managers and sales department were not in.. @ XXXX on Monday..ya sure. Ill be waiting on a call back from them. 

After we declined their sales pitch, there was no other paperwork given to us.
Consumer complaint received 2021-03-26
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: Experian Information Solutions Inc. (MN)

The following accounts and credit inquiries listed on my Experian, XXXX  and XXXX XXXX credit report are fraudulent accounts and is the result of identity theft : Collection Account : XXXX XXXX, XX/XX/XXXX, {$220.00}, XXXX XXXX XXXX  XXXX XXXX XXXX, Credit Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, Account : XXXX XXXX  XXXX,
Consumer complaint received 2018-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I HAVE A COMPLAINT PENDING UNDER CASE NUMBER XXXX. I AM REQUESTING THAT YOU ATTACH THE UPLOADED DOCUMENTS THAT SUPPORT MY CLAIM THAT THE CHECK SUBMITTED INTO MY ACCOUNT BY XXXX WAS NOT FRAUDLENT AS CAPITAL ONE HAS STATED. I AM REQUESTING THAT MY ACCOUNT BE REOPEN ASAP AND MY FUNDS RELEASED
Consumer complaint received 2015-03-30
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I keep getting a robo call ( XXXX ) threatening me with legal action accusing me of defrauding a financial institution. after i callled them back with a supposed case # they refused me any information like their adress. They told me their name is XXXX in georgia but the calls come from Ohio
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have contacted Experian in regards to the following account that has been reported incorrectly. They refused to conduct a real investigation, and only responded saying that the account was " verified ''. 

XXXX XXXX XXXX XXXX The date the account was opened is incorrect, the loan amount is incorrect, and the payment history is incorrect. Experian has repeatedly violated and ignored my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore, the FCRA requires furnishers to investigate consumer disputes filed with the credit reporting agencies about the information the furnishers provided. 
Section Sec. 623 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have contacted Experian multiple times in regards to these unverified, inaccurate, and erroneous accounts, but they have refused to fix these errors.
Consumer complaint received 2016-03-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC (OR)

On XXXX XXXX, 2016 I received an alert on my XXXX credit from a company that has never contacted me about the debt. I was never notified via postage mail nor have I ever had a conversation with this company about the debt.