davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Eastern Revenue, Inc. (MD)

On XX/XX/XXXX i filed a complaint against Eastern Revenue For reporting an account on my credit report. Asked the company to provide me with a purchase agreement to prove that they in fact did legally own the debt in question and could collect or report this information on my credit report. 

Eastern Revenue Responded to my complaint on XX/XX/XXXX and said they closed the account in question and would send a deletion file to the XXXX XXXX XXXX 

THIS IS NOT ENOUGH MY RIGHT WERE VIOLATED! 
The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.FERPA gives parents certain rights with respect to their children 's education records. These rights transfer to the student when he or she reaches the XXXX XXXX XXXX or attends a school beyond the high school level. Students to whom the rights have transferred are " eligible students. '' Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interest ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law. 
Schools may disclose, without consent, " directory '' information such as a student 's name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. 

I NEVER GAVE XXXX XXXX primission wrtitten consent to share my educational records and Eastern Revenue does not fall under any of the parties that could is allowed to receive such information from a school without having my consent according to FERPA.
Consumer complaint received 2021-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 

1. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX please delete it Credit Bureau is refused to respond on my letters, they do not investigate and just sent once to me letter saying that account was verified and updated, even thou nothing was verified.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

This company has nonstop made negative report about mine. Has violation of FCRA and face fines and violations. They are not verified and giving consent my me physically and I have not been anywhere near their website. Please remove or my credit attorney will file suits.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NY)

I had an account with TD Bank. The balance of the account was paid in full on XX/XX/2022. TD claims they never received the payment. I use a bill paying service offered by XXXX XXXX XXXX XXXX. A check for the balance ( not electronic/paper check ) was mailed on XX/XX/XXXX and cleared on XX/XX/XXXX for {$1500.00}. TD bank said they did not receive the payment and would investigate why they did not receive it.. My verification number with XXXX & XXXX bank is XXXX. In addition TD bank had charged late fees 3 times and the payment was sent on routine basis every month from the bill paying service, the payment was never late. TD did reverse one of the late charges. Now they are robo calling me every day reminding me a payment is due.
Consumer complaint received 2015-07-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

Chase Mortgage paid the hazard insurance for a different borrower out of the funds in my escrow account. While that problem was being investigated, Chase revoked my online access to the details of my mortgage, including the entire payment history, statements, and escrow.
Consumer complaint received 2021-08-10
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: Affirm Holdings, Inc (CA)

On XX/XX/2021 I was released from a XXXX XXXX  due to complications from XXXX XXXX that had me XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. I have XXXX XXXX XXXX XXXX XXXX XXXX from having a mild XXXX while in my XXXX. I wasn't able to make payments on the {$2600.00} XXXX loan was I approved for on XX/XX/2021. Monday, I was alerted by XXXX  that Affirm is reporting a 60 day late on my credit file. I have been able to reach all my creditors who have agreed to reverse the 60 day lates due to my illness due to XXXX XXXX I emailed Affirm stating my circumstances for missing my loan payments and haven't received a reply. I have called Affirm and was told a supervisor would call me within 24 hours. A call has never come and an Affirm rep called me today to collect a payment. I informed him that I was awaiting for a call from a supervisor and once again stated my circumstances. The Affirm rep said he saw the notes and expect a call from a supervisor.
Consumer complaint received 2022-07-19
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. (TN)

FIRST OF ALL I HAVE KNOW KNOWLEDGE OF THIS ACCOUNT. ACCOUNT NUMBER IS XXXX YOU HAVE VIOLATED MY RIGHTS BY PROVIDING INFORMATION THAT IS UNTRUE ON MY CREDIT REPORT
Consumer complaint received 2023-08-07
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. (NY)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

According to the fair credit reporting act 15 1681 section 602 states ( There is a need to insure the consumer 's reporting agencies exercise that gave reasonably with fairness, impartiality, in a respect for the consumer 's right to privacy ) XXXX, XXXX, XXXX which are consumer reporting agencies and they violated my rights as a customer. The CRA is in violation of 15 USC 1666 B timing of payments ( a creditors may not treat a payment on a credit card payment account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.Also 15 USC 1681 ( a ) reporting containing information solely as to transactions or experiences between the consumer and the person making the report ; The CRA 's is reporting bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681s-2 ( a ) ( 1 ) states ( a person shall not furnish any information relating to a customer to any customer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, XXXX, XXXX shall maintain reasonable procedures designed to avoid violations of section 1681c and to limit the furnishings of consumer reports to the purposes listed under section 1681B. In conclusion 12 CFR section 1016.7 states that ( a consumer my exercise the right to opt out at any time. ) and I'm exercising my right to opt out.
Consumer complaint received 2022-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2022, My last attempt to resolve this issue I requested TransUnion, please send me copies of the documents that each credit bureau have in my files as of this date that their company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. As of XXXX XXXX I have not received verification of alleged debt and alleged debt is still negatively reflected on my credit profile. Since i have not received documentation from TransUnion files to verify the accuracy of these disputed accounts please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

Account are as follow : ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBERXXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2021-01-25
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. (SC)

I was made aware of some inaccurate and erroneous items on my credit report in XX/XX/2020. Over 60 days ago I disputed these inaccurate items and to this day no response. I feel like Im being ignored of my issues, and there is nothing I can do. I detailed in the previous letters why they were inaccurate. I was also affected by the Equifax data breach and now Im thinking my information had got into the wrong hands. The items are harming my credit report and demand they be removed immediately.
Consumer complaint received 2024-01-22
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. (OK)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-20
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 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 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 2016-03-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I contacted Bank Of America and asked them if I can split my mortgage payment into 2 payments sent in at different times during the month. They agreed. Earlier this month I sent in half my amount due, with the other half being sent next Friday. Today I got a letter from Bank of America stating that they took the funds I sent and applied it to an applied funds account, which means they do n't show me as having paid anything
Consumer complaint received 2016-09-24
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX, my business was a victim of fraud at the hands of BofA. An unknown person contacted BofA and requested a change to my account. What BofA agreed to do, without my consent, was transfer all receipts from my merchant account to an unknown XXXX XXXX account. At the same time, the fraudster also gained access to my merchant ID and established an offsite terminal. Then, with XXXX stolen cc, they processed charges in excess of XXXX, which appeared to originate from my office, yet went directly into the XXXX XXXX account. I believe that this event was an inside job because my security practices are consistent ; filing cabinets are always locked, sensitive information is always shredded and I never share banking details. Further, there was no break-in at my office. After considerable frustration and many calls to BofA, they eventually restored my losses, in excess of XXXX US. Jump forward to XX/XX/XXXX and I receive a Chargeback letter from Merchant Services for {$6700.00} and the disputed transaction occurred on XX/XX/XXXX ( at the same time when the fraud began ). Unfortunately, the unidentified XXXX consumer reported this as an unknown charge, and of course, I do not know who the person is, where they live, nor do I have any accounting record or receipt of the {$6700.00}. Basically, BofA 's security and forensics failed and they are attempting to extort their losses from my business. The chargeback notice was received on the same day as the deadline to respond, which is also unethical and creates needless anxiety and frustration for me, a long-term customer of this bank. To add insult to injury, I have spent three days trying to reach the Fraud managers who helped me with this claim a year ago. They have not returned XXXX of my calls. I have left messages with XXXX XXXX ( XXXX ) and her supervisor, XXXX ( XXXX ). I 've also attempted to get resolution with my local branch and many XXXX numbers, being kicked like a can down the road 8 times with various people and departments. All claiming that I need to talk with someone else. I still do n't know who or what department to contact. I am not responsible for BofA 's failure to secure my business account. They hold the " keys '' and allegedly let a stranger fool them with my account. Had they simply called me or sent me an alert, like they do when I fill up for gasoline at a non-typical place, this could have been better controlled.
Consumer complaint received 2024-01-22
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. (NV)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

On XX/XX/XXXX, I accidentally made 2 payments to my credit card account. One in the amount of XXXX and another in XXXX. However, until now, I still do not have any available credit to use, even though I already overpaid, which means that it is my own money. I called them twice, and the information I got from them was extremely inconsistent. One said that it only takes two business days to process my payment, but I'm still having a {$0.00} credit limit now. Another said that my payment is going through the verification process which can take up to 10 days. This means that I will not be able to use my fund for 10 days. I am totally disappointed by boa, especially when then security deposit of my previous card still haven't been returned to me after I closed it 3 month ago.
Consumer complaint received 2021-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (IL)

I have a credit card from US Bank and they have reported 30 day late payment in XXXX of 2020. I was not late and have tried to get them to look into but I am not getting anywhere.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I applied for a Capital One credit card to rebuild my credit as it helps with rebuilding credit. I have applied several times and I have been denied multiple times citing a previous account that was compromised due to identity theft. I was approved for a Capital One Savor XXXX card. Upon receiving and attempting to activate my new account, I was told that my new account was closed for the same reason for my previous denials.
Consumer complaint received 2023-05-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

We had an equity line with Wells Fargo, and we would try and pay extra to pay off sooner & our extra payments were never applied to principal, the next statement would say that our additional monies paid were applied to interest owed from 2yrs previous. This went on & on, we called customer service, emailed the board of directors ( got a phone response from the secretary that they were looking into it ), nothing ever got resolved. One time we were a day late making the payment & the payment was then taken out of our checking account, without our consent. We went in person to the bank & they refused to help, sent us home to call customer service & sit on hold forever. We went to another bank to refinance and pay off the equity line, Wells Fargo dragged their feet applying our payment to close the account. We paid extra interest because of how long they took. We closed all accounts with them and will never do any business with them ever!
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Hello, I recently noticed fraudulent activity on reports. What I have found has led me to believe that I may be the victim of identity theft as I did not approve any information to be used in my name. I am requesting that these items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being run. I did not receive any notification or alert to my credit being run for these accounts which is concerning. These fraudulent items are reporting inaccuracies which are directly impacting my relationship with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident.