davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Certegy Holdings, LLC (TN)

Non-Compliance of FRCA/GLBA On the evening of Tuesday, XX/XX/XXXX, I went to my local Grocery store, XXXX 's XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. I purchased {$240.00} of various items. I mistakenly wrote the check for {$280.00} and before handing it to the cashier, noticed my mistake, and the cashier said no worries and he would return {$40.00} to to me in cash. 

Upon running the check, against XXXX 's check processor 's database, Certegy Payment Solutions LLC, XXXX XXXX XXXX, XXXX, FL XXXX, the {$280.00} was suggested by Certegy ( who guarantees the check amounts that XXXX receives in the course of business ) recommended to XXXX, that the check I had written should not be accepted. All the while, I had more than a funding balance in my checking account. 

After about an hour of embarrassment and the speculation of being a fraudulent check writing criminal, I decided I would re-write the check for the exact amount of XXXX, which surprisingly was processed and authorized by the Certegy algorithm, no problems. 

It was printed on my XXXX receipt the consumer rights of the FRCA as well as the contact information for Certegy check processor. As such, that evening, I requested by ( self-service phone call ) my consumer file from Certegy, and received by mail a consumer file disclosure on XX/XX/XXXX, which indicated " No Information on File '' for the Past 24 months and which included 5 pages of FRCA and other " consumer rights. '' Upon two phone calls with Certegy, on the evening of XX/XX/XXXX, the agents of Certegy, did not know the difference between a complaint and a dispute. It was also denied any affiliation with FRCA or credit services because they were only providing " check processing '' and using my Personal Identifiable Information to asses risk. 

Basically, being told that FRCA does not apply to them, as it was a consumer 's personal bank check. This includes using my drivers license number, bank routing and account number. When asked, they did not provide my credit score, nor could they provide specifics as to why one check was good, and the other was bad. They also informed me there is no guarantee that it wont happen again. 

I believe their decision to deny my personal check was without merit or cause. As such, I believe both my privacy and consumer rights have been violated by this " automated '' algorithm, insufficient data, and non-compliance with consumer protections. 

The embarrassment and electronic notification suggesting to the retailer that my personal check was bad, and not authorized or that of being a fraudster is unacceptable. I believe my both my privacy rights and consumer rights have been violated under FRCA and GLBA.
Consumer complaint received 2016-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: CNG FINANCIAL CORPORATION (NY)

XXXX of XXXX called & threatened my niece, XXXX, a college student. A woman claiming to be XXXX left a message concerning a loan my niece had taken under misrepresentation from Check & Go. She said if my niece did not pay back the loan, with its accelerating interest fees, " I WILL be stopping by your residence or place of employment to issue you a certified notice of intent regarding legal action on this claim. '' This is fraud.
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : BK OF XXXX XXXX # XXXX XXXX XXXX XXXX ACC # XXXX XXXX IN ACC # XXXX ACC # XXXXXXXX XXXX ACC XXXX XXXX XXXX XXXX XXXX XXXXI 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Hi my name is XXXX XXXX XXXX. I am filing this complaint completely for my self. I have not received any assistance in filing this complaint. My consumer report has violations that have caused me and my family harm. DEPARTMENT OF ED/XXXX XXXX ( Account # XXXX ) is in direct violation of 15 USC 168s-2 ( a ) ( 1 ) ( E ) ( ii ) The amounts {$6700.00} ; {$5600.00} ; {$1100.00} ; {$1000.00} ; {$7700.00} ; {$3900.00} ; {$7900.00} ; {$2600.00} ; {$10000.00}, {$2000.00} ; {$14000.00} ; {$24000.00} of this loan have competed the rehabilitation process. Delete now.
Consumer complaint received 2016-06-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have disputed this through the credit bureaus but it still remains. I question if this is an accurate and verifiable debt and if it indeed belongs to me. I have never heard of Portfolio or XXXX. I believe this is an error
Consumer complaint received 2022-03-15
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: LEXISNEXIS (NJ)

I contacted Lexis nexus on XX/XX/2022 because I feel as though they have furnished information without it being verified and with my consent which is causing a negative effect on my credit reports. I have contacted them for methods of verification on the bankruptcy case they are reporting to others. They have not yet responded to where they have confirmed this information with. And it is to my understanding that they are in violation of 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction
Consumer complaint received 2022-03-15
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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (CA)

I have lease with Ally Financial. On XX/XX/2021, I got a late payment because I had contracted XXXX and I was in the hospital for more then a month. I was fighting XXXX for my life, if I didn't contract the XXXX, I would never get a late payment in my life. The lender doesn't want to be understanding and work it out. They told me it was late and and I can't change that even though I had no way to pay it off on time while hospitalized.
Consumer complaint received 2022-03-15
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2015-09-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (CA)

Diversified placed a XXXX bill on my credit reports with XXXX, XXXX and XXXX without first sending me a California XXXX FDCPA mandated dunning letter. California State law provides for written notice 30 days PRIOR to reporting to the previously mentioned credit reporting agencies. 

I have not had an opportunity to even see if the debt is valid. They never even sent me documentation. 

I disputed the item with the credit reporting agencies but they simply " verified ''. 

Diversified violated California State Law.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my right 15 U.S.C 1681 section 602 A state I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 ; TI also state a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2022 I certified mailed a letter disputing an erroneous account on my credit report asking Equifax to investigate this, provide me with the documents used to verify and validate the account, or delete the account immediately from my credit report if they could not. It has now been more than 30 days since they received the letter ( which I have proof of ) and they have not responded nor have they removed the account. I have attached the original letter mailed on XX/XX/2022 ; as well as a failure to comply letter updating them on their willful negligence to comply with my request, the Fair Credit Reporting Act, and CFPB.
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

In XX/XX/XXXX I entered into a legally binding Modification Agreement with Seterus Inc., the servicer of my mortgage. On XX/XX/XXXX I was told by Seterus Inc. that I did not make the three trial payments required before accepting the Modification Agreement, although I had made each payment on time. On XX/XX/XXXX I received a letter from Seterus Inc. XXXX XXXX XXXX XXXX reiterating that I did not complete the trial payment period, therefore, the Modification Agreement had been revoked. I immediately sent proof of each payment ( 3 ), including the first Modification Agreement installment XXXX 4th payment ) for the month of XX/XX/XXXX. I made the first payment of the new agreement in hopes of Seterus Inc. quickly realizing their mistake, making the necessary adjustments to the new loan amount and sending a new Modification Agreement. I sent the second Modification Agreement payment in XX/XX/XXXX only to have the payment return for reason stated, " Failure to sign and return the Modification Agreement ''. Again, I received notice on XX/XX/XXXX that the Modification Agreement had been revoked for failing the trial period. On XX/XX/XXXX I received a letter from Seterus Inc. XXXX XXXX XXXX XXXX apologizing for the false claim ( letter of XX/XX/XXXX ) that I had failed the trial period. XXXX XXXX acknowledged the three trial period payments being received but did not recognize the payment made in XX/XX/XXXX as the first installment of the new loan agreement. XXXX XXXX began requesting the now revoked Modification Agreement to be signed and sent with payments beginning with XX/XX/XXXX. Since then, I have requested from Seterus Inc. XXXX XXXX XXXX XXXX on numerous occasions, an updated Modification Agreement acknowledging the first installment being paid in XX/XX/XXXX. Seterus Inc. has refused to send a revised Modification Agreement, continuing to request the signed Modification Agreement issued back in XX/XX/XXXX, and payments beginning with XX/XX/XXXX. I finally, signed and returned the now seven month old, revoked Modification Agreement and again requested confirmation of payments due, stating, again, that I have already made the first installment due XX/XX/XXXX. On XX/XX/XXXX Seterus Inc. XXXX XXXX XXXX XXXX acknowledged receiving the signed Modification Agreement but continues to demand the XX/XX/XXXX payment of which was received and deposited by Seterus Inc. on XX/XX/XXXX I believe this to be a deliberate attempt to prolong the service fees Seterus Inc. collects for servicing a loan threatened with foreclosure. It is beyond comprehension that, at this point, this is an oversight or miscommunication of some sort.
Consumer complaint received 2022-03-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION (VA)

I financed a car loan at my local car dealer. My source of funds were my XXXX XXXX Compensation and money/inheritance I receive from my mother. M & T Bank has XXXX  profiled me. Closed my account due to a defamatory comment by XXXX against me. and Were talking to me about the XXXX XXXX XXXX. They also told me they would take action which to me meant they are working with Police on criminal charges. I will say its hard being a XXXX in America and I can not accept this inequitable treatment anymore. Consumer Finance Protection Bureau of Washington DC you are complacent. I have no accessibility to the car loan I have. M & T Bank even claims they are enforcing a generic Virginia law contract. Its so weird how banks believe they can oppress you- and you know they can because this has caused substantial damages that was overly burdensome more than most men can bear. 

I disputed the interest charges from he last time I had accessibility to present time but my dispute has not been processed or responded to in writing. Today I paid {$880.00} on a car loan that I have no access to the loan number or what was charged and for what. I dont know interest rates interest charges per diems or anything since I am a XXXX in America . I just want to let you know that it is my Goal to have a Jury of my peers see the systematic XXXX XXXX XXXX  for XXXX in the Financial System. This one is a little different though- this one is a liability, a loan, an obligation. What a sad state of affairs. We are in. CFPB ask them how many hours I had to be damaged to deal with this. This is a recurring problem of XXXX XXXX XXXX XXXX from the FInance System that has caused consequential damages to self which could be described as overly burdensome by the average person.
Consumer complaint received 2022-03-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

Flagstar Bank continue to keep my tax escrow. In XX/XX/XXXX I was awarded 100 % disable veteran status. I contacted the tax assessor in XXXX XXXX to advise of the veteran status of 100 % and was told starting XX/XX/XXXX I will no longer be required to pay real estate taxes for my property. I mail and faxed a copy of the letter from XXXX XXXX tax assessor office advising Flagstar on the change effective XX/XX/XXXX in which the escrow department acknowledge receipt of the documents. My escrow account was reanalyzed in XX/XX/XXXX and I receive a letter stating my escrow account would be short and in XX/XX/XXXX my payments would increase even though my real estate are no longer required by XXXX XXXX tax assessor. Since XX/XX/XXXX my payment increase due to the escrow shortage and the payment include real estate tax which are no longer required. I've never received any of the excess overage from my escrow account for the 2021 year. I've paid all my mortgage payments and have never been late however my escrow funds are still collecting for real estate taxes. It is illegal for mortgage companies to keep escrow funds and not accept the tax exempt from XXXX XXXX, FL. I would like my excess real estate amount as well the account needs to be re-analyzed to remove the real estate taxes asap and not wait until XX/XX/XXXX.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I recently checked my credit report and i see some accounts that are causing harm to my otherwise impeccable credit report. Due to certain laws that protect me, I believe these accounts should be updated to perfect payment history. Please see attachments for more info. Failure to comply will result in civil penalties for you willingly ignoring the laws that you are to abide by.
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

We settled this account with XXXX in XXXX of XXXX ( Letter attached ). We were just notified on XX/XX/XXXX that this account was re-called by Synchrony Bank and sent back. 

We've settled this account for {$1200.00}. {$980.00} has cleared and been applied to the settlement. However, payments for XXXX, XXXX and XXXX of XXXX ( {$61.00} each ) have been shipped to XXXX because of the last notice of the recall and they've been re routed to Synchrony Bank. I called Synchrony Bank and was notified that the account had been sent to XXXX XXXX XXXX for collection. We've been told by Synchrony to reach out to XXXX XXXX XXXX so that they can help us honor the original settlement. 

However, I reach out to XXXX in XXXX of XXXX, they have the account. However, they make me wait until XX/XX/XXXX to tell me that they sent the account bank. 

This back and forth is ridiculous and should not have happened in the first place. We were paying a settlement without fail and then Synchrony pulls the account from the creditor we settled with? Totally unfair.
Consumer complaint received 2022-03-15
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Conduent Incorporated (CA)

For XXXX years my sons father has neglected his responsibilities. He has the ability to pay support but is unwilling to pay and is in contempt of court - ( PC XXXX ). According to California Code of Civil Procedure section XXXX if you have child support arrears you are required to not only regularly pay the amount of money you owe in support, you also are required to pay 10 % interest per annum on child support arrears. Further, under California Family Code XXXX, there is a 6 % to 72 % penalty on delinquent amounts if you fall into arrears by more than 30 days. My sons father owes $ 50,000+ and submitted paperwork at the Tennessee XXXX to have a judge in Tennessee override the California judges order of support and arrearages. When the State of California, XXXX XXXX Department of Child Support Services, contacted Tennessee to serve XXXX contempt order - he fled and has been avoiding service for years. He uses cryptocurrency, works under the table in construction and needs to help out. I have been taking care of my children by myself for 14 years. I have spent thousands toward private schools trying to protect my children and to this day I am still in debt- however their lives are priceless. I am taking care my children the best I can and it is not right that that he gets to neglect his responsibility for 14 years. The government can find people under the ground, above ground, anywhere and I don't believe the government is having a hard time locating to serve child support orders. Tennessee is just like Florida, Texas, Arizona and other XXXX states - that doesn't follow deadlines nor the law based on skin XXXX. He had the child support lowered to a couple hundred dollars and ran not realizing every little bit helps his son. 

You keep fighting battles, without ever getting justice - you start to lose respect. 

XXXX XXXX XXXX