davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (SC)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-07-11
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: FIRST INTERSTATE BANCSYSTEM, INC. (SD)

I have banked with first interstate bank, and was great western for over 30 years. They have cashed an employee check from a XXXX restaurant in XXXX XXXX Iowa 4 or 5 times and taken it out of our personal account! I have talked to them several times and each time they say it is taken care of. This needs to stop. I understand once but this is ongoing! I need help
Consumer complaint received 2022-07-11
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: Onity Group Inc. (PA)

In accordance with a fair credit reporting act XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] has violated my rights. 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I have applied for the XXXX forgiveness program under the new waiver that was announced in XX/XX/XXXX. FedLoan acknowledged receipt of my application for forgiveness on XX/XX/XXXX. On XX/XX/XXXX, they confirmed my employment was confirmed as eligible. On XX/XX/XXXX, FedLoan transferred all of my loans to them and they became my new servicer. On XX/XX/XXXX, they loaded my application results. 

Under the old rules, I had 7 qualifying payments. I was then told they'd transfer my application to Federal Student Aid ( FSA ) to review my payments from XXXXXXXX to present under the new waiver. FSA was then to get back to FedLoan with the results. 
Over the past XXXX XXXX months, I have called FedLoan 5+ times, including talking to their ombudsman line 3 times, to confirm everything was in order. Each time I was told all I had to do was wait for FSA to review my application under the new waiver. However, when I called Fedloan on XX/XX/XXXX, the employee agreed that he felt something was wrong and maybe someone had dropped the ball and that he'd get it fixed. 

Because this seems to be taking a lot longer than it has for many others and because of my call on XX/XX/XXXX, I called the FSA ombudsman line on XX/XX/XXXX. ( case # XXXX ) I was informed that my XXXX application was not uploaded into their XXXX system. Without FSA being able to access the application, of course they can not review for forgiveness. I then immediately called FedLoan to let them know they had failed to send over my application to FSA for review. I spoke to an ombudsman at FedLoan, XXXX, employee number XXXX. He told me my application is showing up in the National Student Loan Data System and he isn't sure why FSA can't access it. 
I called FSA to let them know that FedLoan believes they sent over my application on XX/XX/XXXX but I had to leave a message and no one has called me back. 

At this point, there seems to have been a failure to communicate between FedLoan and FSA re : my request for XXXX forgiveness. I feel helpless to rectify the mistake and no one seems to know how to assist me. I am desperate for FSA to review my application for forgiveness as I believe I qualify and we start paying loans in just a few short months.
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (GA)

I am the consumer, original creditor and natural person. Goldman Sachs Bank USA has denied my right to credit as I applied for an Apple Card on XX/XX/2021 in a consumer credit transaction. Pursuant to 15 USC 1681a ( k ), Goldman Sachs Bank USA violated federal law by denying my credit application. Goldman Sachs Bank USA also discriminated against by pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642.
Consumer complaint received 2022-07-31
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: Experian Information Solutions Inc. (LA)

I owned a rental property that was sold in XX/XX/2021. 
It was managed by a management company. 
The buyer, per our agreement, was to switch over utilities when they bought the property, I didn't immediately turn it off because people were living there. 
As you will see in the documents the buyer never switched over accounts on XX/XX/2021 and I continually got billed into XXXX. 
The management company which handled all the bills never notified me. 
So i never knew about any of the bills or anything until i checked my credit score and saw I owed {$9000.00}.

Eventhough the bills didn't belong to me I paid off all of the bills and XXXX whole.
Consumer complaint received 2023-03-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I, XXXX ; XXXX. XXXX :, being of full legal age, declare that the aforementioned statement is true. I recently discovered fraudulent activity in connection with my agreement with Huntington Bank. I have written to them regarding the issues associated with the purported loan on multiple occasions but have received no response. I have sent a billing error dispute, a validation of debt letter, and a cease and desist letter in accordance with the Truth in Lending Act and many other communications. All of these documents have been received with proof of receipt, yet I have yet to receive a response to my claims. Furthermore, my purported debt has been accelerated in violation of TILA. 
Huntington Bank has asserted that it provided a loan to the Claimant ; however, it is prohibited from lending its own credit or money. The Claimant was not required to provide any collateral for the alleged loan, making it a consumer credit transaction for which no cash was given to the Claimant. Insurance, warranties, and other fees were not included in the finance charge. The Claimant was required to make a down payment, which is in contravention of consumer law as this was only a consumer credit transaction. The Claimant 's vehicle was wrongfully repossessed under color of law, and extortion in violation of consumer law with fraudulent practices making this a HOBS ACT violation. The Claimant was not informed of his right to rescind from the contract, and there is no disclosure statement on the agreement as mandated by applicable consumer law. 
It having been almost 150 days since I requested rectification of errors and receiving no notice of such, I hereby exercise my right of rescission, revoke my signature, and request reimbursement of the full amount paid for the automobile in this consumer credit transaction, down payment and repossession fees paid for the vehicle, all insurance payments made to date, all monthly payments made to date, all funds made from hypothecating my promissory note, and an additional sum of {$1000.00} for each violation of consumer law yet to be determined committed by Huntington Bank. As fraud does not have a statute of limitations, this agreement is rendered null and void.
Consumer complaint received 2021-02-18
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

The end of XXXX beginning of XXXX I did not recognize a transaction on my 5/3 XXXX prepaid card to where my XXXX dollars was transferred from my checking to my card I called XXXX as I was on my way to the bank the young lady I was speaking with decided to place a fraud alerts on my card which intern blocked me from retrieving my money by the time I made it to the bank I was told that it would take 45  days in order for me to receive my money I have waited the 45  days which was XX/XX/XXXX and steel as of XX/XX/XXXX I am unable to retrieve my money from XXXX XXXX XXXX  card they continue to give me the run around now Im being told that it can take up to 90  days I have explained from the beginning that I made the transaction by mistake and that I had my XXXX card in my Possession and that I never ask for a fraud alert to be place on my card. I keep getting the runaround from them no one can tell me why I cant retrieve my money from them. Its a Constance different story every time even after trying to resolve this with 5/3 today after being in one of there branch for over an hour no one could explain why they are holding on to my money. I dont wont to wait another day on them to release my funds. I receive updates on my XXXX card on the amount available but it it really not available because they have a hold on it.
Consumer complaint received 2023-03-28
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. (NC)

I was trying to initially get a car loan with XXXX XXXX on XX/XX/XXXX and got denied due to my DTI being too high, which was impossible considering all of my student loans are deferred. I also lost the vehicle to someone else buying it at the price point I wanted and was planning on getting it upon approval because of this. I had someone in the financial industry look into how I could possibly be denied considering Ive worked my XXXX off to build my credit back up and have good credit so I know for a fact I wouldve gotten the loan and was told that the student loans were what was putting my DTI too high. They stated to me that it appeared a student loan was showing as active not deferred on my credit report and stated that it looked like it had been shown that way since XX/XX/XXXX. This information was provided to me on Friday XX/XX/XXXX. I was told to call the lender to find out what code they were showing. I called XXXX XXXX on XX/XX/XXXX. They stated they didnt see a code but would email underwriting after I told them what happened and someone would be in touch. I then called XXXX first since I saw on XXXX that they were in trouble for coding errors. XXXX stated that they didnt see anything but that my loans were {$0.00} and didnt give any other info but stated I would have to prove its them. I then call Experian to see if they had the same thing. I was then told that not only the loan I was inquiring about showed as active but all of my loans that were taken over by XXXX showed as active and not deferred. Also my private loan from XXXX was showing as active. So I had to dispute starting with them and while I was on the phone with them my mother was on her phone with XXXX who admitted that they had a computer glitch and it reported everyones loans like this. Meanwhile the guy at Experian is on speaker and also my moms phone is on speaker and Experian states that the call is being recorded. I said good because you got him on recording admitting to an error thats affecting peoples lives and explaining it as if its no big deal because theyre sending letters to all credit bureaus about theyre boo boo. I stated to XXXX that I got denied an auto loan and lost out on the vehicle I wanted because of you guys. I also told him I needed that letter now because Im disputing now and I need documented proof. So he tells me to get on the site go to tools and print to send. But I also told him a hard inquiry has also been ran against me and now I have to wait and the inquiry will be shown on my report for no reason.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (ID)

Equifax did not do a proper investigation. I requested that they go off the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

This was not provided with the original signed contract, thus not aa proper investigation. Please assist with enforcing the company to properly investigate or remove the collection off my account.
Consumer complaint received 2023-03-28
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. (AL)

i have been disputing with the CRA since XXXX XXXX about the old and inaccurate accounts reporting on my credit report, i have some of the accounts FROM EQUIFAX below that are old and pass the 3 years Statue of Limitations for XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-16
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: Experian Information Solutions Inc. (NY)

This has been extremely hard for me and difficult I been trying remove these items off my report I have disputed these negative items off my report multiple times and no letters and the mail or nothing with verifiable content on why these items are on my report please look into this matter and because I look up the fair credit reporting act and there are clear violations as to why these items on my report should be removed
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NV)

Discover closed ( REVOKED ) my account claiming " malicious debt avoidance. '' The account was in good standing and all payments due were paid and up-to-date. The also confiscated my ORIGINAL negotiable instrument, valued at {$50000.00}, uploaded it to their database - but didn't return it to me. 
I submitted to Discover Financial Services, via certified mail/return receipt, a negotiable instrument, payable to bearer without recourse valued at XXXX XXXX dollars and XXXX/XXXX  cents ( {$50000.00} ). The accompanying instructions provided that their remittance payment coupon was accepted by the consumer, endorsed and made payable to the bearer, and that the limit should be increased and that the balance should be zeroed out. According to [ Exhibit B ], the instrument ( document ) had been dishonored, and yet it has not been returned, to me. 
Discover Financial Services has both, caused harm and issued threats up my federally protected, lawful rights to services for personal, family, and household purposes. This harm is due directly from Discover Financial Services unfair practices and false and misleading representation. Discover Financial Services contacted the credit reporting agencies ( XXXX, and XXXX ) to inform them that they had closed the consumers credit account. This communication was unauthorized and an invasion of privacy, and an unfair practice.
Consumer complaint received 2022-04-26
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. (NC)

The following account was charged off as of XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations as this company is reporting an open account status but is reporting it as charge off repeatedly every month. 

I am demanding a deletion of the following account.
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-03-28
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. (IN)

I have had problems with all three credit bureaus. One of my credit accounts is not properly accounting my charges and the overcharges. They do not seem to have an accountant ( XXXX ) and their statements cant be verified or understood. Trans Union claims that XXXX has verified my credit account and I have asked them about the verification. It appears that they do not have any verification but they claim that they do. XXXX has gone on XXXX XXXX  and tried to charge on one of my credit cards and I have been contacted. My bank card will not take any digital charges and so last week I was informed that XXXX had charged {$25.00} on my bank card and it was declined. XXXX is less aggressive but these bureaus are not worthwhile and I do not want to use them. XXXX just tried to scam me on XXXX XXXX. I am going to get a professional to remove them from my sites. I do not see that any credit bureau is keeping proper records. I need federal assistance with these bureaus with improper information.
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (TX)

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXXXXXX Balance Owed : {$200.00} XXXX  XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX  XXXX Balance Owed : {$140.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (NJ)

I disputed a 30 day late payment with XXXX XXXX XXXX now XXXXXXXX XXXX through Experian. The bank took too long to respond so Experian deleted my almost XXXX of history of auto loan payments resulting in XXXX points decline. XXXX Bank has made numerous attempts to reinstate my loan history to no avail. It has impacted my ability to apply for credit etc because XXXX points is significant. I would simply like Experian to add back my auto loan.