davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have  got into the hands of the wrong person.
Consumer complaint received 2022-08-19
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. (IN)

I'm a victim of Identity Theft from Data Breaches with XXXX  XXXX and Equifax. My SSN was hacked and stolen and used for Unemployment Benefits in Kentucky. I also have open actual factual inaccuracies within my credit report. I have 5 accounts that are reporting inaccurate late payments i would like these late payments removed immediately from the following accounts and updated across all 3 credit bureaus as a result of 15 USC 1681 ( b ) Permissible Purpose and falsely reporting inaccurate information, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I would like the following 3 charge off accounts deleted across all XXXX credit bureaus for InaccuraciesXXXX XXXX XXXX XXXX XXXX XXXX 

I would like the following 2 collection accounts deleted immediately from all 3 credit bureaus for inaccurate Date of Last Activity, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX 

The following inquiries are to be deleted immediately as I didn't authorize this, XXXX XXXX XXXX XXXXXXXX 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 XXXX
Consumer complaint received 2022-07-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (NY)

I applied for a forbearance through my mortgage company and come the end I said my hardship was resolved. They sent me an application to figure out my options. I was told my app was complete and I could start making payments after signing a packet of papers. Packet never arrived. Got a letter in the mail stating my app was then incomplete. Talked to mortgage and they said it was because I had already done a modification that I couldnt do another one within 2 years. I did a deferment 3 years agoso whats the problem? They have me in never ending circle where Ive filled out the same application XXXX to no avail. The only option is I can {$5000.00} to make myself current and then the rest thats owed in a payment plan. I wouldnt need to be 8 months behind and have to pay 5 months worth if they didnt have me in a never ending circle. Ive been wanting to make my payments since XXXX and they are not allowing me to
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

My personal information has been obtained and misused for a number of fraudulent activities. This has severely impacted my credit and it sucks. Someone has been using my identity and now i am the one stuck with the debt and negative items reporting. I am submitting this complaint in seek of assistance in removing these accounts and getting another start at actually building my own credit myself. I am also submitting identity documentation to clarify that it is me sending in this complaint. Along with those documents i am adding a pdf report from the identity theft website. The report number is # XXXX
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IN)

I need assistance as I have been trying since XX/XX/XXXX to get a payment refund on account ending in XXXX ( XXXX XXXX Credit Card ), in the amount of {$4600.00}. As the total balance was debited from my checking account vs. the min. payment. I have called multiple times to try and resolve this matter. I called on XX/XX/XXXX and was told that the refund process had an error on Synchrony 's part and that it had to be resubmitted. On XX/XX/XXXX I was told that the refund check had been approved and was issued on XX/XX/XXXX. My credit line was decreased while waiting for the check to be issued, I called on XX/XX/XXXX and I was informed that the credit line decrease would not impact the refund process or the refund amount. I called today XX/XX/XXXX and spoke with 3 representatives and was informed that the check has not been issued, and they were unsure why it has not been issued. I was also informed today XX/XX/XXXX by the third representative that I spoke with that no one could contact anyone in the refund department to see why it has not been issued and sent out and to request a status update on when to expect the check to be issued and to be in my hands.
Consumer complaint received 2022-04-27
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. (TX)

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

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Bank charges excessive fees. I was incorrectly charged interest on purchases which were made during last statement period, as per agreement with the credit card company it shouldn't charge interest until payment for the purchase is overdue. I missed a payment for previous statement XXXX by a day, so I should only pay interest on XXXX which would be 26.99 % of the XXXX totaling about XXXX. During the last statement period I made one purchase on XX/XX/25 for XXXX. The last statement charged me a late fee of XXXX which is correct and XXXX in interest charges. The interest charge explanation showed that my the balance which was subject to interest rate was XXXX. I called Synchrony and they waived the interest but lied to me that I qualified for a interest waver rather than admit that there is a problem in their statement calculation.
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: FISERV INC. (NY)

I got a card issued through work and have had no issues till about 3 months ago. The card company is called money network. My card was declined while at a store but I had other means of payment and thought nothing of it. XX/XX/XXXX I attempted to use the card yet again to pay for college textbooks and other bills but was declined again. I called the company and was told my card was on hold, they never told me the reason, but told me to fax over my identification issued from the government, my proof of residency and my social security. I sent them out on Tuesday XX/XX/XXXX around XXXX or so. I called again the XXXX because my card was declined again. They said my ID was blurry. I sent my ID out on XX/XX/XXXX at XXXX in the afternoon. I called later that day. The card company told me they never received any of the faxs and that I needed to fax all three again. I asked to speak to a supervisor and he claimed it was just my ID, so I faxed it again XX/XX/XXXX at around XXXX. I called pretty much every day sense and have been told multiple things regarding why my card was still on hold. Several supervisors and customer service representatives have told me misleading information or left out information that would have helped me. I attempted to close my account and get a refund issued but they refused. I asked for documentation as to why it was on hold and they refused. Have not been able to use my account since around mid XXXX.
Consumer complaint received 2020-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eagle Financial Services, Inc. (KY)

A month or so ago this firm has decided to garnish wages for an amount over 3 times what the original balance of the alleged debt was. The amount I owe their client on this charged off this alleged debt is {$1000.00}. They are garnishing my check for over {$3600.00} Im am being taken advantage of and exploited. They are extremely rude to deal with. Wont return calls and are making my life XXXX. This is from a debt that is over 6 years old. I had a payment arrangement with the client I paid over {$160.00} already on this alleged debt. I still believe this amount is incorrect because the alleged debt was paid on before. I lost my job due to THE PANDEMIC. I am just now getting back on my feet and this company continues to inflict harm.
Consumer complaint received 2022-07-12
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. (FL)

I recently went to a car dealershiup and only authorized an inquiry for XXXX XXXX, however, the dealershiup ran my social across many companies and that has cause a dramatic decrease in my credit score and these inquiries were not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-03
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: Santander Consumer USA Holdings Inc. (VA)

My former auto loan account Santander is being reported almost 10 years after the date of first delinquency and it should have been removed in XXXX. According to the FCRA the account is to remain on my account 7 years from the date of first delinquency. I requested an entire copy of my payment history from Santander. The account was first 30 days delinquent in XX/XX/XXXX which means the date of the removal from my credit report should have been XX/XX/XXXX. The company is only reporting from the year XXXX forward to the credit bureaus. I have attached a full payment history of the entire account from account opening in XXXX to account closing in XXXX for review. Your agent XXXX confirmed the date of first delinquency on XXXX with me via phone.
Consumer complaint received 2020-09-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: FREEDOM FINANCIAL NETWORK (FL)

My husband passed away on XX/XX/XXXX and I was unaware of a consolidation program with consolidation plus. My husband was working with freedom debt but I was unaware of the process and what was needed. I reached out to Freedom debt once my husband passed but they stated the process is with Consolidated debt whom I never heard of. My husband had been in out of the XXXX  since XX/XX/XXXX. He was on lots of XXXX XXXX for XXXX XXXX XXXX XXXX  as well as a XXXX XXXX. Now XXXX XXXX is still sending him bills and is not willing to close the account even though I provided his death certificate.
Consumer complaint received 2024-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (CA)

BARCLAYS BANK DELAWA, Dear Sir/ Madam, I am writing to formally demand that you Cease and Desist all communication with me regarding this alleged debt referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and i will take all necessary legal action to protect my rights.
Consumer complaint received 2020-09-21
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: CREDIT WORLD SERVICES, INC. (MI)

Credit World Services, INC Balance {$5800.00} opened XX/XX/2019 I do not recognize doing any contract or business, please verify this debt,.
Consumer complaint received 2020-09-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I have a mortgage with NewRez since XXXX. Mortgage Insurance ( MI ) on my loan was supposed to be discontinued about 2 years ago. I have contacted the company many times ( by phone and email ) and received a letter in XX/XX/XXXX stating my loan has been approved for FHA MI cancellation, with FHA MI paid in arrears. 
I have since contacted the company again for follow-up on removing the MI from my monthly payments and for refund of arrears, but I have been unsuccessful. Anytime I call, I am being redirected to an insurance number that is unable to answer my questions. 
Lately, I received a letter stating my request has been submitted to the owner of the loan. 
The whole process has been very confusing.
Consumer complaint received 2020-09-21
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: ENOVA INTERNATIONAL, INC. (CA)

On XXXX XXXX I paid my loan in full and received document that the account was " PAID IN FULL " from NC FINANCIAL Solution on XX/XX/2019. Upon checking my credit report they reported me 30 days late on this specific account for XX/XX/2019. 

I follow-up with NC FINANCIAL Solution and XXXX XXXX to try and resolve account amicably and they do not want to resolve this 30 day late when I have provided them documented proof they actually issue for final payment.

NC FINANCIAL SOLUTION replied as reported late although I have paid the loan in full.

It appears that these consumer disputes only go one way from DATA FURNISHER to Consumer reporting Agency. THE CONSUMER HAS NO RIGHTS.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (GA)

I co-signed on a credit card issued through Discover for my daughter. My income and credit score was used to approve the account. I was not notified that my daughter had failed to make payments and was not given the option to make the missed payments. My mailing address was used for the credit application and did not change at any point. I have not received privacy disclosures or any correspondence related to consumer protection notices. 

The account was marked as late over 30 days and negatively affected my credit score by XXXX points. Discover should not allow for only XXXX person to receive notices of late payments or privacy notices.
Consumer complaint received 2021-10-18
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 (VA)

XX/XX/2021 : I placed an order with XXXX ; the {$120.00} charge was approved. 

XX/XX/2021 : When I checked my bank account, I discovered that a second charge of {$120.00} was charged. This made the total deducted from my account {$250.00}. When I contacted XXXX, I was informed that the banking industry allows their company not only charge on the original order, but they are " legally able to make a second pre-authorization charge referred to as a 'soft-charge ' ; the second charge will drop off in 4-5 business days ''. 

The banking industry and the company are disregarding the negative impact that this double charge can have on non-commercial and/or large deposit bank accounts. Individuals who are only able to keep enough on deposit to pay bills, risk having their accounts overdrawn through no fault of their own. 

I take issue with this practice. I will be contacting my local Politicians, Congress and the Senate to lodge a complaint about a practice that borders on usury!
Consumer complaint received 2021-07-02
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX  XXXX XXXX  XXXX and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

US DEPT ED 3011**** {$41000.00}
Consumer complaint received 2022-08-29
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: MoneyLion Inc. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
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 an purpose.
Consumer complaint received 2022-08-20
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (OR)

Never received my bill called and they admitted they never mailed it! Now by the time I get it it will be late because they never sent it! Thinking of canceling these incompetent ones. This is the first month of this new credit card company cause XXXX the company changed who they work with and I am stuck with them!
Consumer complaint received 2019-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I am a victim of identity theft yet your company MIDLAND FUNDING has inserted a negative mark onto my credit file without first notifying me to give me my right to dispute and request validation. The account MIDLAND FUNDING collections in the amount of {$830.00} do not belong to me and are in fact a result of identity theft. The account was assigned dated XX/XX/19. What contract bearing my signature do you have that legally ties me to this account? There couldn't possibly be one due to the fact that I have never had any obligation to pay you or the company you represent. OnCe again this account is a direct result of identity theft and it is hereby disputed. Please remove this from my credit file immediately. It also states this is a COLLECTION FOR A CREDIT CARD and I have not ever given your company or any other company authorization to OPEN ANY CREDIT IN MY NAME. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Consumer complaint received 2020-09-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (TN)

I called American Credit Acceptance and spoke with a female customer service representative about my late payments. I have lost half my income due to COVID, and they offer no assistance. I made payments that were taken out of my checking account XXXX ending. I was told I would be caught up and just need to make XX/XX/XXXX payment on XX/XX/XXXX. I deferred a payment to the end of the loan and made a payment to bring me current. I just received a letter saying that XX/XX/XXXX and that if I do not pay {$990.00} by XX/XX/XXXX they would take action to repossess my vehicle! These numbers do not add up!