davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-09-01
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: AMERISAVE MORTGAGE CORPORATION (FL)

A Hard Inquiry XXXX XXXX XXXX was added to my credit report in XX/XX/2020 without my knowledge. 

I called XXXX which is the Creditor assigned to this Inquiry, I also called XXXX  and XXXX and they all say I need a letter from AmeriSave removing me from their system since I didn't give anyone permission to check my credit for any matter.

AmeriSave says there is nothing they can do and the inquiry stays even though I did not approve it..
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NC)

I uploaded documents pertaining to my Public Service Loan Forgiveness status and still have not received an update. Documents were uploaded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and still have a processing status. I have emailed and called MOHELA several times, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to inquire about my status and no one has given me a clear answer. These documents include a XXXX and offer letter from an organization that no longer exists, because I was told by a MOHELA rep that I would need to submit this documentation in order to receive credit. At this point, I believe I should be eligible for forgiveness for part of, if not all of my loans. My fear is that I will have to pay on loans that should have been forgiven already.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX has been re-inserted into my credit file. By law they are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. at my 6th Amendment unalienable right, I respectfully demand Deletion of this item immediately or I will be forced to take legal action! In addition to the Fair Credit Reporting Act ( FCRA ) and Internal Revenue Code ( IRC ) Section 6050P, it's crucial to explore other relevant codes and regulations that may impact your case. Of particular importance are provisions that address the rights and protections afforded to service members and the potential consequences of the unlawful reinsertion of a previously deleted credit file. Here are key regulations to consider : Servicemembers Civil Relief Act ( SCRA ) : If you are a servicemember, the SCRA plays a significant role in safeguarding your rights, especially concerning interest rates, debt collections, and credit reporting. It is essential to evaluate any potential violations related to your status as a service member. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : UDAAP prohibits unfair, deceptive, or abusive practices in the financial industry. In the context of your case, it becomes relevant if there are concerns about the financial institution 's conduct, especially regarding the reinsertion of a previously deleted credit file. Gramm-Leach-Bliley Act ( GLBA ) : Sections 501 and 502 of the GLBA are crucial for addressing privacy concerns related to consumer financial information. It establishes rules for privacy policies, nonpublic personal information protection, and consumer opt-out rights. This becomes pertinent if the reinsertion involves mishandling or improper disclosure of your financial data. Regulation P : Privacy of Consumer Financial Information : Regulation P implements GLBA 's privacy provisions and focuses on safeguarding consumer financial information. It includes requirements for privacy notices, opt-out mechanisms, and restrictions on information-sharing, ensuring the protection of your sensitive data. Regulation B : Equal Credit Opportunity : Regulation B, implementing the Equal Credit Opportunity Act ( ECOA ), prohibits discriminatory credit practices. It ensures fair and equal treatment of credit applicants, making it essential to assess any potential violations concerning your credit reporting. These regulations collectively contribute to shaping the legal landscape surrounding credit reporting and financial privacy, offering avenues for addressing any infringements and seeking a fair resolution. If you have specific concerns related to these regulations, consulting with legal professionals well-versed in consumer protection laws can provide valuable insights and guidance.
Consumer complaint received 2021-11-28
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)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-12-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION (PA)

On XXXX/XXXX/2016 I deposited XXXX XXXX $ dollar bills via the atm at the M & T Bank in XXXX Pa. XXXX. I could clearly hear the machine malfunction. It kept the money and dispersed a slip telling me to come into the branch during business hours the next day. I did and they told me they would have a technician look at the machine and have someone from their security department view the surveillance video, they issued a provisional credit for the XXXX of XXXX/XXXX/2016 nothing has been done and I was told at the bank yesterday that they would reverse the provisional credit on XXXX/XXXX/2016 I 'm out the XXXX. I was also told that no technician has looked at the machine or the video as of yesterday. M & T has had a whole month to investigate this matter and they have n't I was also told yesterday that on the day of the deposit that the machine balanced out so they do n't know where my money is. At this point the only conclusion I can come up with is that there is a theft involved here.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (TX)

I am writing to bring to your attention the serious infractions committed by LCI Consumer Center regarding the accuracy and privacy of consumer information, as mandated by the Fair Credit Reporting Act ( FCRA ). This issue needs immediate attention and resolution to prevent further harm to consumers. 

Based on the information provided, it is evident that LCI Consumer Center is not reporting accurate information, a violation of [ 15 USC 1681e ] ( b ). This statute requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information pertaining to individuals in the reports they prepare. 

Furthermore, LCI Consumer Center is in direct violation of [ 15 USC 1681b ] ( a ) ( 2 ) of the FCRA, which permits consumer reporting agencies to furnish consumer reports only in accordance with written instructions from the consumer whose information is being reported. I would like to emphasize that I have not granted authorization to anyone to access my private and confidential records, including the information that your agency is currently reporting. 

These transgressions directly infringe upon my rights as a consumer, particularly my right to privacy, as outlined in [ 15 USC 1681 ] ( a ) ( 4 ). It is crucial to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. 

To rectify the aforementioned violations, I humbly request that you take immediate action to delete the erroneous items specified in the attachment from my consumer file within your agency. Failure to comply with this request will leave me with no option but to pursue appropriate legal action. 

I want to draw your attention to the seriousness of these violations. Identity theft is a grave offense, and these actions can be classified as aggravated identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). Knowingly transferring, possessing, and utilizing someone's means of identification without lawful authority is a felony punishable by up to two years of imprisonment, in addition to civil liability.
Consumer complaint received 2018-03-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (CA)

I had a health emergency that needed to be addressed. I could not afford heath insurance at the time. I was unaware how this would have a negativeimpact to my credit. I was not offered the opportunity of finacial assistance. Date opened XXXX, 2014. Date filed XXXX,2014.
Consumer complaint received 2016-08-01
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Atlantic Credit & Finance, Inc. (MI)

I do not have a case # yet as I have not received notice of any pending action. The collection company seized my bank account leaving me with a {$0.00} balance for a debt that is too old to sue on without properly notifying me and from a bank account that has exempt funds on it. It is in the XXXX XXXX XXXX in XXXX XXXX, MI. This is the second time they attempted this and were ruled against last time which was about 7 or so years ago. This debt is about 12 years old. I have collected unemployment on this account and I do have food stamps and am considered indigent. Please help me. The law firm representing them is XXXX - ( XXXX ) XXXX and ( XXXX ) XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI. ATTNY : XXXX XXXX XXXX.
Consumer complaint received 2024-01-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Mercedes Benz Financial Services (DE)

I am regarding there should be absence of a down payment and the determination of the finance charge in accordance with 15 USC 1605. My concern lies in the improper application of the down payment to my finance charge. I believe that the down payment should have been deducted from the finance charge, as mandated by the relevant regulations. It is crucial to address this issue and ensure that the down payment is correctly applied to my finance charge along with insurance. I kindly request prompt action on this matter and expect a resolution within a timeframe of 14 days. It is important to address this issue in a timely manner to ensure a swift resolution.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MO)

I had to open a credit card with Synchrony bank in order to establish a phone service through Verizon. I did so and since the Verizon Synchrony account opened in XXXX XXXX, I have received only 2 statements, one in XXXX and one in XX/XX/. I am not enrolled in e-statements through Synchrony Bank credit card account so no statement is listed under my name on their website and Synchrony Bank will NOT mail a statement to me. I was told in XXXX or XXXX XXXX  phone call to Synchrony customer service they will not mail statements at all. The bank wants me to be late on the payment to be able to charge me fees and penalties. I have called numerous times to ask for a statement to be mailed and today, XXXX called, sent a message on their website requesting a statement. I do not know what they are charging me for what service and only can know the amount I owe and no other information. They are a horrible company with a focus on cheating and trying to hide bills, make you late in a payment and force you to enroll in their e-bills even though they offer a choice of ebills or paper statement. Do I not have the right to know what I am being charged for with a company? They share no information, no listing of charges, just an amount on their website that you owe. What are they trying to hide?
Consumer complaint received 2016-10-05
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Atlantic Credit & Finance, Inc. (MA)

Dear Consumer Financial Protection, I went to a XXXX office in XXXX ... my XXXX. The XXXX office applied for a loan out of XXXX XXXX ... for {$1000.00}, to XXXX and make XXXX. I agreed in good faith to the loan ... I had no other way of repairing my XXXX. I am living with a fixed income and I did not have insurance. 

I had my XXXX. During the XXXX, I thought they were going to make me have a XXXX XXXX ... I was upside down in the chair as the XXXX 

XXXX. XXXX. XXXX. 

I contacted XXXX and explained why I could not pay ... XXXX. 

XXXX 

The collection agency is bringing me to court on XXXX/XXXX/2016 ... what recourse do I have?? 

It appears as consumers for XXXX health we are being taken advantage of with the high cost of XXXX care combined with those XXXX places who do not provide quality care and as a consumer, XXXX. 

Current collection activities ... XXXX and XXXX Atlantic Credit and Finance Special Finance Unit, LLC File number # XXXX XXXX XXXX, MA XXXX Stating amount owed as {$1300.00} plus {$50.00} court costs ... adding insult to injury! I am indigent! 


Court hearing ... XXXX/XXXX/2016 XXXX District Court Court Docket number ... XXXX XXXX MA XXXX Thank you for your attention to this matter. 
XXXX XXXX XXXX
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To Whom It May Concern : Thank you for considering my case. It is greatly appreciated. I have been dealing with ongoing, fraudulent transactions through my Bank of America account in connection with XXXX. From XX/XX/XXXX to XX/XX/XXXX, I have filed various claims and even more requests to Bank of America to stop any and all transactions from XXXX. Despite these interventions, the unauthorized transactions have continued, and I have lost more than {$2000.00}. 

At one point, I convened a meeting between Bank of America 's claims team, XXXX, and XXXX to identify a resolution. I was advised that XXXX couldn't find the account charging my card, and therefore couldn't discontinue the transactions ; that XXXX couldn't provide a remedy given their agreement with XXXX granting the latter the right to request a customer 's debit card information, even if it is replaced ; and that Bank of America could only offer stop payment options, which can be bypassed if a Merchant even modestly changes their name.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OK)

I was making a payment on my XXXX XXXX on XX/XX/XXXX and accidentally selected the wrong method paid as my bank account and other credit card are saved in the same list of payment methods. I was unaware that I made this error. Later on I seen that a payment was rejected. I then realized what had happened but didn't think anything about it due to me paying my balance daily and it being caught up. On XX/XX/XXXX I get on my synchrony account page to see that the account was closed. I reached out to see why and that's when they told me the problem. They gave me no warning and no chance to reopen my account. This account is very important to me due to it being the way I pay my phone bill and all my groceries and gas. I have a great credit history and no late payments for years. This was not intentional. The customer service would not work with me and treated me like trash. I'm hoping something can be done about this.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I deposited {$2100.00} in a Capital One Short Pump ATM machine ( Besides XXXX XXXX ) on XX/XX/2023 at around XXXX XXXX. The money was a payment for my Credit Card so that I could get the credit limit right back. 

The ATM errored out and spit out {$600.00} but took the remaining {$1500.00}. The {$1500.00} was not credited to my account. 

Capital One is informing me that it may take upto 2 billing cycles to find the missing payment. I have reached out to Capital One representative and told them this has happened to me towards the end of the month, {$1500.00} covers my mortgage payment, yet they are unable to help me escalate this issue or expedite any of the process involved
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WY)

Mohela is not crediting my payments. I paid my last student loan payment. The check cleared ( see attached document ). Mohela is still showing the payment as " late '' and " unpaid '' to charge me interest when they have already cashed my check! 

Also, despite repeated written requests ( including a note ON THE CHECK ), Mohela is not applying my payments to the unsubsidized portion of my loan requested. 

Mohela 's phone lines are always tied up for hours. Their " unusually long wait time '' has become very usual.
Consumer complaint received 2018-03-14
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

Back in 2012 my office got broken into and they stoled not only my computers my wallet which had my drivers and social security in it, ( copy of police report included ).  Earlier last month I purchased my first copy of credit report and got shock of my life to find out how someone could of done such a thing to me. apparently some one unknown to me had used my personal information to get an apartment and personal loans under my name from ONE MAIN FINANCIAL. at that time i had reported these accounts to credit bureaus and they had instructed me to file an FTC report which i did. Also at that time i had wrote a letter to one main financial and had made them know that the account that they are reporting to my credit report is result of identity theft. As of today i have not received no correspondent from ONE MAIN FINANCIAL and i decided to purchase a new report to find out that this fraudulent account still reporting to my credit report that is the reason i am here now.
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

XX/XX/XXXX payment showing as Employment Not Certified and form for employment verification was submitted on XX/XX/XXXX, XXXX, XX/XX/XXXX and again on XX/XX/XXXX and again shows processed but payment count isnt reflecting. I spoke with several representatives who assured me it would be corrected and escalated. Months later this payment is still not reflecting forms submitted and processed. I have sent several secure messages and I got automated responses that I will receive a response within 15 to 30 business days and I have yet to have this issue resolved after several attempts and addition to phone calls.