davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
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. (GA)

XX/XX/XXXX Dear Consumer Financial Protection Bureau, I XXXX XXXX, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I am writing to express my continued concern regarding the issue related to my credit report. As of the date of this letter, I have not received any response from XXXX, XXXX, Experian, XXXX XXXX  or XXXX XXXX XXXX the consumer reporting agencies in question, in reference to my initial complaint letter. In my original complaint letter, My concern and dissatisfaction with XXXX 's, XXXX, Experian, XXXX XXXX and XXXX XXXX XXXX reporting of my transaction history, including late or missed payments, which I firmly believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of XXXX. Please update my accounts to PAID AS AGREED. Also, I am requesting compensation of {$1000.00} per every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 as states : Permissible purposes of consumer reports, you can not report transaction history. " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, Experian, XXXX XXXX  or XXXX XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the 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 that customer nonpublic personal information. 

Best Regards, XXXX XXXX, Concerned Consumer
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my second notice regarding the inaccurate items that are being reported on my credit. Up until this point the agencies have ignored me and my requirements of them, which are to make sure that the items and information that they are reporting are entirely accurate. This is wreaking havoc on my life as I have to continue to reach out to the agencies in order for them to do their job.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

USAA over-drafted two accounts that had a XXXX balance and were requested closed. On or about XXXX XX/XX/2022. USAA seems to be providing inaccurate or misleading information in this matter. I have further information to be submitted. 

Is there any law in this instance that prevents me from removing my property from my account and closing said account? Did I apply for a loan for USAA to pay a third party debt collector, a foreign agency? Did I authorize such a thing? Did apply for a loan for such a thing? What was loaned ; was it money of deposit, or money of deposit? USAA appears to have sent out their own funds after I withdrew my property from the account. I never had any agreement or contract with USAA to loan money to a third party debt collector. USAA states I was restricted to credits only due to banking procedure ; is that a law? Is procedure law? USAA claims a garnishment order ; however the order USAA is referring is not signed by a judge or under the state seal. Which is known as seal and test of process. Under the 4th Amendment, property can not be seized without a valid warrant, which means it must be signed by the clerk and under seal of the court ; thus there was no valid warrant to seize property. As Coppage V. Kanasas clearly states, that money is the property of the employee. Money is property and can not be seized without a valid warrant. USAA seems to be relying on an incomplete instrument. The instrument USAA appears to have relied on is not signed by a judge, it is not signed by a clerk of the courts, and was not under seal of the court. XXXX XXXX XXXX XXXX  is a private for profit agency ; a foreign agency. And therefore the funds can not be seized as it would be a clear violation of United States Code as well as Supreme Court Case Law. USAA comments that, I was aware, that I was notified ; can USAA provide proof in the form of registered or certified mail that was signed for. What proof does USAA have that I was aware by the bank on such and such date ; Does USAA have any evidence I received such a letter. USAA is claiming a legal process. However legal process can only be done when signed by a judge, and the clerk thereof under seal of court. It appears that the order USAA is referring was signed by an employee from a private companyXXXX XXXX XXXX XXXX XXXX. Property can not be seized without a valid warrant. The 4th amendment, and all writs must be under the clerk of courts and seal thereof. This does not appear to be a legal process in the lawXXXX XXXX XXXX  XXXX XXXX is a privately held company in XXXX Florida.
Consumer complaint received 2016-05-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AZ)

This all started back in 2013 my mortgage company lost two of my payments we submitted our bank statement when they bought our mortgage and said they never received them which put us behind then they started foreclosure they charged us {$8400.00} to get out of foreclosure we are now still fighting them because they say we still have {$3300.00} in foreclosure fees which it 's been 3 years now which has made us three payments behind again every time we make a payment we have new charges they 're trying to charge us {$570.00} and late fee charges and certified mail charges which we have not received any certified mail they are charging of property inspection fees nobody has come and inspect my property and now we have made an insurance claim and we had to mail them the {$17000.00} for our garage check and they are with you using to release that to us we are just trying to get what is belong to us to us if anybody could help us this would be wonderful wonderful
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TRUIST FINANCIAL CORPORATION (VA)

Truist bank marketed to me with promotional offer of balance transfer with zero interest for one year and three percent transaction fee with deadline of XXXX XXXX to take the offer ; I did three balance transaction of {$10000.00} in XXXX and the fee was {$300.00} ; I was about to pay minimum in monthly then found they charged {$180.00} on XX/XX/XXXX later told me the balance on my card has 24 % interest ; nowhere did they tell me of such interest, they deliberately hided this when I requested transfer, it's abusive and deceiving.
Consumer complaint received 2016-09-17
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Kwikcash, Inc. (CA)

I 'm in chapter XXXX bk since XX/XX/XXXX. Payday Loan lender despite court notification of Automatic Stay, got default judgement to garnish my paychecks XX/XX/XXXX. Attorney stopped this based on Automatic Stay Provision, however ; company still has default judgement on my credit bureaus. This is a gross violation and has caused me tremendous harm.
Consumer complaint received 2015-05-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (MD)

On XXXX XXXX, 2015, I made a payment to a student loan with Wells Fargo XXXX which stated that the payment would be applied to my XXXX XXXX, 2015 billing cycle. I later received another bill for XXXX XXXX, 2015. I had taken screenshots of each step along the payment process as evidence that misleading information was being published to the website, as a similar issue had arisen before. They refused to apply my payment to the XXXX XXXX payment date, requiring me to make a XXXX payment on the loan or wait several weeks ( beyond the due date for the bill ) to have a refund sent by check of my XXXX XXXX payment.
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX first XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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
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. (AL)

Upon checking my credit report I noticed XXXX inquiries that I didnt authorize. I am victim of identity theft. 

XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> These inquiries were not authorized by me.
Consumer complaint received 2017-03-07
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Receivables Management Partners, LLC (IN)

I had XXXX in XX/XX/XXXX due to being laid off. I incurred XXXX XXXX bills. The facilities an, but not the physician billers. When i received collection bills for these visits from IMC Credit, i sent letters to the debt agency and the billing company ( XXXX ), asking them to detail the status of the debt ... date of service, had insurance been billed and if so, what did i owe as a remaining balance. I received no response. Until, I received notice from an attorney that a judgement had been filed against me for the bills. I called the debt agency asking why a lawsuit was filed versus responding to my questioning the debts and was told that if they received a letter questioning the debt and did not feel the questions were specific enough, they would not respond to the letter. I guess they did not feel my questions were specific enough, because i received no response. Just notification of lawsuit. I spoke with the biller ( XXXX ) of this debt and they said they never attempted to bill my insurance for XX/XX/XXXX and XX/XX/XXXX, but somehow was able to bill for XX/XX/XXXX. I was told by them they did n't have the insurance info, likely due to " electronic systems not being reliable ''. I was also told that i would have been better off calling in to ask for status, than sending a letter, as I received no response to my written requests from them either. I do not feel that having a judgement filed against me is fair at all. I 've sent them letters asking for info that went ignored. I 've told them during collection calls to send me info in writing. I made necessary attempts to get clarity so that i could figure out how to resolve. 

I would like to make note that, I have not received anything notifying me of the judgement from the court yet. I received a letter from XXXX bankruptcy attorney 's advertising their services because they saw that a judgement has been filed. I confirmed the filing with IMC via phone on XX/XX/XXXX. However, I feel that there is no need for a judgement or any court proceedings because I provided the proper insurance information to the hospital each time I was seen and i have attempted to contact them via writing with no response back.
Consumer complaint received 2015-05-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

I became total and permanently XXXX after graduating from college. Now, I have no source of income, other then what I get from XXXX. I attempted to have my loans discharged by said loan company and was denied. I am unable to make payments on my loans because I am unable to work. The only sensible course of action would be a discharge of said loans. It is unreasonable to penalize a person who can not make payments. If my loans are not discharged I will face default and eventual debt collection agencies. Therefore, I challenge the legitimacy of a company that employs such methods.
Consumer complaint received 2022-08-09
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 an account without my written instructions
Consumer complaint received 2018-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (NY)

On XX/XX/XXXX I spoke to a few representatives from Seterus, Inc. about a mortgage they claim they service and manage for XXXX XXXX and they claimed that they mailed a Flex - no documentation - loan modification documentation as a service on behalf of their customer XXXX XXXX my partners Attorney XXXX XXXX on or about XX/XX/XXXX. They just forwarded me a copy of what they claimed they mailed, but when checked with that attorney he told me that he never ever received this Flex loan modification offer. Seterus, Inc./ XXXX XXXX declined to honor this offer by now and after multiple attempts talking to their managers asking them to revive and honor the offer they kept on telling me the same thing, that there is no way to bring back this or any other similar offerS. eterus, Inc./XXXX XXXX clearly is NOT acting in good faith, there is no prejudice to them, as they claim this loan is in arrears from XX/XX/XXXX and those additional few months more moths from last XX/XX/XXXX ( which is when the modification was about to start ) is not going to make it or break it. I suspect that they were required by regulators to just offer this offer, so they just played games and never ever mailed it and just pretended that they mailed it, this way they have the cookie and eat it to, its well known in the banking industry that this is what did and this how they dealt in the past 15 years as its cheaper for them to pay the fine if and when they are caught. his is not the first time they played this games, they played games about a year ago when the servicing of this loan was transferred from XXXX to Seterus, Inc, while I submitted all documents for a short payoff for this loan and they even had someone come down to the house to do an appraisal then all of a sudden I found out they the servicing of this loan was transferred and the new services does not have any of the documents submitted to the previous servicer, XXXX. 

Besides the this fact, I have logs of countless and rude phone calls with their reps, including many times of not returning calls when left messages or contradicting information from different reps. 

They also having this one sided unfair and decptive policy of not allowing the consumer recording phone calls with them, while the 're recording all their phone calls and not even giving the option for the consumer to talk to them on a unrecorded line.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I, XXXX XXXX, am a consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ), 12 CFR 1026.2 ( a ) ( 11 ) and 16 CFR 433.1 ( b ). //// EXPERIAN, XXXX and XXXX are CONSUMER REPORTING AGENCY pursuant to 15 USC 1681a ( f ) ( p ). This is a dispute pursuant to 15 USC 1692g/// EXPERIAN, XXXX and XXXX violated the FCRA for furnishing and reporting negative information on my consumer report that is inconsistent with the Permissible Purpose under the FCRA 15 USC 1681b. /// EXPERIAN, XXXX and XXXX violated my consumer right to privacy which is a violation of 15 USC 1681 ( a ) ( 4 ), furnishing negative information without my consent //// EXPERIAN, XXXX and XXXX reported some negative transaction information, in violation of 15 USC 1681a ( 2 ) ( A ) ( i ), which clearly states that the consumer report does not include any report containing information to as transaction or experiences between the consumer and those financial institutions///// EXPERIAN, XXXX and XXXX also violated 15 USC 1681b ( a ) ( 2 ) for furnishing the negative information in my consumer report without my written consent. ///// EXPERIAN, XXXX and XXXX also violated 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 2 ( 7 ) ( B ) for failure to send me a NOTICE OF NEGATIVE INFORMATION as mandated by the FCRA. I'm being denied credit and jobs opportunity due to EXPERIAN, XXXX and XXXX non-compliance and violation of the FCRA /////I DEMAND the complete removal of the XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX accounts including and not limited to any NEGATIVE REMARKS reported by EXPERIAN, XXXX and XXXX ( they were furnished without my consent ) /// NOTICE IS GIVEN : In the event EXPERIAN, XXXX and XXXX failed to comply with the FCRA , this complaint will be used as exhibit in any future federal complaint in Federal Court for the above referenced violations of the FCRA. And this account with be reported to the IRS for proper audit
Consumer complaint received 2016-08-08
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ)

A woman in XXXX XXXX advertised a house for rent in XXXX XXXX. 
I responded, wanting to rent for the month of XXXX 2016. Her " husband '' handled the initial exchanges, including a contract, certificate of ownership, etc. I filled out an online application. It was all done online. 
After I sent the {$1000.00} security deposit he requested, his wife texted me saying he had died XXXX. She wanted the rest of the payment - {$1500.00}. 
At this point I realized I was in deep trouble, so I refused. I got to MoneyGram Inc only 1 hour before she picked up the {$1000.00} and blocked it. I now have my money back but do not want this woman to scam another person. Thank you.
Consumer complaint received 2021-03-28
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

Failure to response to MOV ( Method of Verification ), I NEVER received a response to my Request under Fair Credit Reporting Act 611 ( a ) ( 7 ), for the NISSANXXXX LT XXXX within the time set forth by law.
Consumer complaint received 2021-03-28
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: TOYOTA MOTOR CREDIT CORPORATION (VA)

Failure to response to MOV ( Method of Verification ), I NEVER received a response to my Request under Fair Credit Reporting Act 611 ( a ) ( 7 ), for the TOYOTA MOTOR CREDIT XXXX within the time set forth by law.
Consumer complaint received 2018-03-16
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. (SC)

After submitting my complaint about an item falsely placed on my credit report on XX/XX/2018. Equifax removed the item and replaced it with the same item reported earlier by another collection agency that had sold the item to the agency that they removed. My previous complaint showed that I have no accounts in collections from XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-01-11
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. (TX)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2017-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On  XX/XX/17    my account was frozen without my consent so I called the bank and I was told to visit a branch which I did and I spoke to the bank manager and she told me they have to closed my account which I requested for my money on the account and the amount was {$630.00} and they told me they can give me the money right away I have to come on the next day because their system ne ed 24hrs to process the   fund.And I came on the next day the manager told me to wait for 14 days to received the check by the mail and I left I waited for  30days  no paid is made to me and I went to the bank again and they told me I incurred a fees for the closing account so they cant give me any money.
Consumer complaint received 2015-04-28
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX I received notification from a 3rd party app that my credit line on Chase was reduced.. I did not receive any proactive notification from CHASE regarding that this change may be forthcoming. I contacted CHASE and told them the complete facts of my situation that I recently got married and that I have never been over limit or late on any of my payments however they stated that I would not get my old limit back. Unfortunately this has created a domino effect regarding my personal life as now all credit bureaus now feel that I am maxed out on these XXXX particular cards and that my situation has turned dire. My utilization which did admittedly get higher because of a recent marriage and all of things involved such as the ceremony now will get even worse causing all of my other lenders to thing I am not living up to my obligations.