davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MN)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604a section 2 it also states that the consumer reporting agency can not furnish an account without my written instructions under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-13
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. (NJ)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AMERICAN BANCSHARES MORTGAGE, LLC (FL)

On XXXX, I have contacted the loss mitigation department for American bancshares to assist with unblocking my online account that is blocked from making payments due to being in the state program and receiving state funds from XXXX. The state stopped making payments in XXXX and I have contacted Americbanc shares to inform that I am trying to make my mortgage payment for XXXX and refuse to pay the fee for making the payment over the phone when online its free. My mortgage payment is late after today XX/XX/15 and no resolution. I have called multiple times today to the department and call gets disconnected or there was a large call volume. The several agents that I have spoken to have informed me to allow XXXX business days since I told them that the state stopped making payments and its past that time frame and my account is still blocked. I have requested to speak to a supervisor several times and keep being told that one will call me back but never do. It is very frustrating and upsetting that in order for me to get some type of resolution with my mortgage lender, I have to make a claim through the consumer finance because nobody in XXXX XXXX shares wants to help or find a resolution to ensure that I can make my payment on time. Instead, I feel that they would rather try to charge me a late fee when on XX/XX/15, I have been unsuccessful trying to get someone on the line to assist. It is a headache dealing with this mortgage company that can never provide any resolution and dont care about their clients or customers.
Consumer complaint received 2022-01-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 44 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 


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 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.
Consumer complaint received 2021-04-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I have submitted a complaint with XXXX XXXX XXXX to dispute a debt they say I owe them. In response from another company XXXX XXXX XXXX XXXX they tried to explain to me why I must pay them. They provided me a notification of a debt letter from another company. How should I dispute the validity of a debt if the company that I must call is not XXXX XXXX XXXX? I received no notification from XXXX that I must dispute validation with them. They violated the Fair Debt Collection Practices Act and I demand you to delete that account from my credit reports.
Consumer complaint received 2019-02-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Alliant Capital Management LLC (FL)

A man with XXXX XXXX XXXX called me from phone number XXXX and ask to speak about a potential relative of mine named XXXX who is going to get a suit filed against her unless I could get her information. XXXX is my sister ... Now while he continued to harp on about a potential suit and the ramifications, I cut him off and let him know I collected for 20 years so I knew what he was saying was a false and illegal scare tactic. I also let him know that he should not have called me under the curcumstances of being a potential relative. He got mad and of course ended the call. This company is using bad practices and harassing potential relatives during business hours when potential relatives are working. Awful company that does not follow the FDCPA. I wish someone would tell these people you have better collections with honest practices ... .trust me I know. Also let them know they should identify the full name of the company when calling. I had to call back for answers. Another tip for this company is never assume you are smarter than the people you call spitting unlawful foolishness and lies.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bread Financial Holdings, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX, GA XXXX ACCOUNT NUMBER : XXXX SUBJECT : NOTICE OF DISPUTE, DEBT VALIDATION AND DEMAND DOCUMENTATION DEAR XXXX XXXX XXXX, I AM DISPUTING BOTH THE VALIDITY OF THE ALLEGED DEBT AND THE VALIDITY OF YOUR CLAIMS. PLEASE BE AWARE THAT INFORMATION I RECEIVE FROM YOU WILL BE COLLECTED AS EVIDENCE SHOULD ANY FURTHER ACTION BE NECESSARY. PLEASE ALSO BE ADVISED THAT NON-COMPLIANCE WITH MY DEMANDS COULD PUT YOUR COMPANY IN LEGAL TROUBLE. 

ACCORDING TO THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692G, I HAVE THE RIGHT TO REQUEST VALIDATION OF THE ALLEGED DEBT OR COMPETENT EVIDENCE THAT BEARS MY SIGNATURE AND SHOWS I HAVE SOME CONTRACTUAL OBLIGATION TO PAY YOUR COMPANY. 

I HEREBY DEMAND THAT YOUR COMPANY PROVIDE ME UNDER PENALTIES OF PERJURY WITH THE FOLLOWING VERIFIED DOCUMENTARY EVIDENCE OF THE ALLEGED DEBT : 1. PLEASE PROVIDE A VERIFIED COPY BOTH FRONT AND BACK OF THE ALLEGED ORIGINAL CONTRACT / AGREEMENT / PROMISSORY NOTE IN ITS ENTIRETY, INCLUDING ANY APPLICATION, ACCOMPANIED BY A COMMERCIAL AFFIDAVIT, SWORN TO BE TRUE, CORRECT AND COMPLETE, UPON THE COMMERCIAL LIABILITY OF A PROPERTY IDENTIFIED AND AUTHORIZED OFFICER, EMPLOYEE OR AGENT OF THE ALLEGED CREDITOR WHO STATES THAT HE/SHE HAS PERSONAL FIRST-HAND KNOWLEDGE THAT SAID FRONT AND BACK VERIFIED COPY IS THAT OF THE ORIGINAL ALLEGED CONTRACT/ AGREEMENT/ PROMISSORY NOTE.

2. THE AMOUNT OF THE ALLEGED DEBT ; 3. THE NAME OF THE CREDITOR TO WHOM THE DEBT IS OWED ; 4. THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR.

PURSUANT TO 28 USC 1746, I HEREBY DECLARE UNDER PENALTIES OF PERJURY UNDER THE LAWS OF THE UNITED STATES OF AMERICA THAT THE FOREGOING IS TRUE AND CORRECT. 

EXECUTED ON : XX/XX/2024 BY : XXXX XXXX NOTIFICATION IS COMPLETE UPON RECEIPT.
Consumer complaint received 2021-04-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have submitted a complaint with XXXX XXXX XXXX to dispute a debt they say I owe them. In response from another company XXXX XXXX XXXX XXXX they tried to explain to me why I must pay them. They provided me a notification of a debt letter from another company. How should I dispute the validity of a debt if the company that I must call is not XXXX XXXX XXXX? I received no notification from XXXX that I must dispute validation with them. They violated the Fair Debt Collection Practices Act and I demand you to delete that account from my credit reports.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (WA)

In XXXX, I paid for a deletion on my Discover account. it was deleted but has re-emerged on all XXXX credit bureaus. 

Today, XXXX XX/XX/XXXX, at XXXX XXXX a Discover representative in the Charge off department instructed me that the account should no longer be reporting. 

It was removed but re-inserted and I would like a swift removal. Im in the process of buying a house and would like this removed again as soon as possible.
Consumer complaint received 2024-02-06
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to REMOVE these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-05-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian are reporting accounts that have been sold and inaccurate information and misleading that make accounts look like they are active when they are not .I feel like they are not investigating like they should. I get my results back as updated and nothing changed.
Consumer complaint received 2024-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America. Has my accounts, the company is the trustee too my account as trustee and XXXX XXXX is the personal management trustee. Both them been the same. From old owner. XXXX XXXX XXXX .... business estate address in the year of XXXX/XXXX/XXXX ... ... .. XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX they have 3 account for me in the bank for these business. Too me ether owner CEO .or trustee heir executive finance .I am name both employer and employee heir in this issue. ... XXXX XXXX. Has it on file, in the year of XXXX. Public contract filed in year of XXXX, Under address XXXX XXXX XXXX XXXX ga. And filed under address XXXX XXXX XXXX XXXXXXXX ga in year of XXXX, and filed in year XXXX, XXXX XXXX XXXX XXXX ga and XXXX XXXX XXXX XXXX ga, tittle exam on the business and and addresses. Will revill I am beneficiary owner, ,and heir aka employee heir, too all the information in this text. I want CPA accounting too all 3 business account in this text. ... start with addresses XXXX XXXX XXXX XXXX ga, XXXX XXXXXXXX XXXX. And XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX XXXXXXXX XXXX It says XXXX XXXX XXXX. That bank of America is the trustee and XXXX XXXX is the trustee both the same in the issue. A trustee pooling agreement .sign by both party too delivery too me all the good. Which the release date is pass due .too all of this. Also XXXX XXXX and XXXX XXXX. ... XXXX XXXX and bank of America is trustee for me .give me my company deeds and bank account and CPA accounting that is pass due .the IRS is send me my bills .the taxes has not been paid sense XXXX. A legal notice too quit. Not too give me my account. Also .if my account is says executive finance officer heir. Then give me my payckecks .if my account is say owner of all of this then give me my deeds too the company and bank account .also get a hold of the companies attorney so they can contact me and the agent that is listed for the issue too. It is a pandemic out here. I have completed the 22 long years of wait .like the old owner said. It was hard out here too do. ... ... tittle exam from the year of XXXX - XXXX XXXX XXXX XXXX ga. ..I been txt message bank of America on XXXX XXXX They all ready no the issue. ... foward this message too bank of America trustee division .so they can dig up my company account. Bank of America is trustee for me on all the information in this text. Filed also in year XXXX address up too year XXXX. XXXX XXXX XXXX XXXX ga XXXX XXXX... XXXX bank of America just text my XXXX XXXXunder my name of XXXX XXXX XXXX ga XXXXgreen boots on the face. Cover.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have a business checking account with Bank of America in which there is very little activity. The account was opened in XX/XX/XXXX. Based on the structure of the account ( minimum balance + business saving account ), I was never charged any sort of fee to have the account in place. That being said, in XX/XX/XXXX Bank of America started charging me a {$16.00} fee in my account due to not meeting the minimum balance in the account ( XXXX average balance ). I was NEVER notified of this change, when I discussed with Bank of America representatives ( late XXXX, XXXX ), they indicated that the minimum deposit was ALWAYS XXXX ( it was not, as I wasn't charged a fee for ~3+ years ). As I do not actively use the account, I wasn't aware I was being charged a fee until earlier this year. At that point in time I contacted Bank of America and they refunded me {$48.00} in fees ( 3 months, {$16.00} each month ). Since XX/XX/XXXX I have been charged a total of {$400.00} in fees from the Bank, despite NEVER being notified of the change. It feels absolutely predatory in nature. I have more than ample funds in other accounts with the institution where I could shift funds around to avoid the fees, but, again, I was never made aware. I have been a customer with Bank of America for 20+ years and was an employee with the company for close to 10. This is simply not how you conduct business. If I can not get this corrected I will move my funds to another institution. I currently am employed by a competitor yet I have kept my funds with BAC. When I contacted BAC, I couldn't believe a representative was unable to tell me the specifics of when I started getting charged fees ( they claimed to have minimal history ) nor when the fee structure changed ( they claimed it never changed ). I had to spend time doing my own due diligence by sorting through years of monthly statements to ascertain the exact time in which the fees started and the totality of the fees charged. I look forward to bringing this issue to resolution and fully expect to be refunded the fees charged, in full, due to the lack of correspondence by Bank of America to make me aware that the minimum deposit balance had changed. I hope to hear from you soon regarding this matter. Thank you.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Please reference complaint XXXX. In short, XXXX will not correctly report information on this student loan account. The loan was discharged in XXXX after my Mother died in XXXX. I was the co-signor on the loan. XXXX confirmed in writing in response to the aforementioned complaint that the loan was discharged and that they would report the balance is {$0.00} to the CRA 's. They did not furnish this information to the CRA 's in a timely manner. After XXXX information was reported, I initiated disputes with the CRA 's to correct this information. XXXX seems to be reporting correctly. 
However, Experian and XXXX are reporting that I am deceased. Experian indicated to me today that they had corrected this information internally on XX/XX/24, but that XXXX furnished information indicating that I am deceased on XX/XX/24. Disputes with Experian and XXXX are currently in process to correct this, but Experian is indicating that XXXX is to blame here. Unfortunately, XXXX is not able to respond to e-mail or phone calls in a timely manner. Hence, seeking the CFPB 's assistance with this.
Consumer complaint received 2022-08-23
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. (FL)

CFPB + Equifax + The XXXX XXXX XXXX, Attached to this complaint are : drivers license social security card address complaint letter stating this collection has not been validated to be mine screen shots of where it shows on Equifax Please look into this new complaint as soon as possible
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Today XX/XX/XXXX I reached out to Experian Credit Reporting Agency to try and get inaccurate addresses, names, phone numbers, and even employment information removed from my report. First let me say how frustrating it was trying to use the automated service to try and get a hold of a customer service representative. All the automated menu allows you to do is to freeze/unfreeze or request your credit report. It AT NO POINT gives you a prompt to request to speak to an agent. To be honest I'm not quite sure how I was able to get one on the line after 20 minutes. I previously sent them a letter in XX/XX/XXXX requesting they do the same which went unanswered. 
When I finally did get someone on the line she refused to remove certain addresses because according to her other companies were reporting inaccurate addresses as my address on file. That is a violation of 15 USC 6801. This code states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. Moreover, they have a mandate to " insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Furthermore, the Privacy Act of 1974 permits individuals to gain access to their records which are maintained in a system of records and to seek amendment of any incorrect or incomplete information contained in those records. ( 5 U.S.C. 522a, Public Law 93-579 ) In addition EXEPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX never offered an annual opt out notice as is required by CFR 313.5. According to CFR 313.7 the notice provided should be " clear and conspicuous. ''
Consumer complaint received 2024-03-15
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation (MD)

I was contacted by a loan XXXX at one main financial loan services by the name of XXXX XXXX he got a few in for from as far as where I worked, how much I make a month, my banking routing and account number and also the last XXXX of my social. He told me I was approved for XXXX and gave me a confirmation to contact the XXXX XXXX XXXX by the name of XXXX XXXX and his number is XXXX ( XXXX ) XXXX, I called XXXX XXXX and he assure me that I had to pay XXXX through a XXXX card because the wire transfer was coming from XXXX XXXX  and I sent it then he told me that XXXX XXXX would not release the funds because my social security number was flagged and that I had to pay XXXX on a XXXX card and I did that also and then called me and told me that they needed XXXX dollars and I told them I would not give more money because this did not make sense he then told me he would pay XXXX from his own pocket and only send XXXX. So all together I sent XXXX then called and told me that I had to send XXXX more and I told him that I would not be sending anymore money and that I wanted to cancel and get my money back he told me that I would not see any of money because I had to pay, I told him that I would be reporting this and he told me he promise me I wont see a XXXX of my money