davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
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. (TN)

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

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SD)

Experian will not allow me to submit a dispute on the website. I must waste my cellphone plan minutes for a 15 minute wait! 
The information that needs to be corrected is : I have never lived in Florida! The Florida address is the result of an account takeover involving XXXX XXXX.
Consumer complaint received 2021-05-05
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. (FL)

the accounts listed are fraudulent someone stole my social security card and photo id to open these fraudulent accounts in my name i am a victim of identity theft I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # 39 ; s. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I received a credit report from Experian # XXXX. On the report Experian is reporting the following information : XXXX # XXXX is reporting 30 days and 60 days late with a XXXX balance on this account? wouldn't the balance be the payment times two? Wouldn't the balance have an amount for the past due amount? if this account was included in a chapter  XXXX bankruptcy the creditor is not allowed to report the terms of the loan, balance, payment or any account information besides the account and the status! 
Experian also has claimed that they contacted the creditor which I did as well and was told the account was sold to another creditor and I would have to contact that creditor to get information for the account and that creditor is not showing on my credit report!
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2021-04-15
Product: Checking or savings account — 
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/XXXX, Bank of America advised me that it would freeze my account if I did not renew my legal residence information in the United States. I provided them with all the documentation I could, but given the six-month delay between the period in which my temporary resident card expired and the date they finally granted me the definitive one, they have frozen it. Six months later, in XXXX, I renewed my residency. I was able to continue receiving their services. 

In XX/XX/XXXX, I was trying to apply for a loan while changing jobs. In the process, I received a call that was set up as if it were from the Bank of American itself. It was for an account check to make the credit deposit. 

The call was fraudulent, but almost all my details were known, therefore, I believed them. By believing them, I gave my security number to the person who I believed was from Bank of America. It turns out that it was a fraudulent action that I was a victim of. As a result of something that I did not do, Bank of America opened an investigation. Only two things were communicated to me from that investigation in two different letters. In the first letter they communicated that they were opening the investigation and that they told me that it would be inoperative in the meantime, that there was nothing I could do with the account. In the second letter, they communicated that they were closing the investigation and that my account was going to be closed. Subsequently, I did not receive any more letters or responses. When calling the numbers provided in the letter, they only told me that they could not give me more information. 

I personally went to the office closest to my work. There they told me that I owed XXXX dollars ( approximately ) on my credit card. They never told me what to do when I closed my account. However, they did report to the credit bureaus that they closed my account and used the word CLOSED in the XXXX  report. In the XXXX  report they detailed this> Maximum Delinquency of 30 days in XX/XX/XXXX for {$58.00} < It was my only bank account Consequently, I had to open another account at another bank. But the consequences were terrible for everything else because if a checking bank account, I lost the way to pay for the car, I lost many job opportunities, I lost the way to hold my credit cards. If you look at my credit history you will see that I am a XXXX XXXX. I have a large bill to pay and I want to pay and thanks to this series of events, I have fair credit. I think it is not fair for me. 
Thank you
Consumer complaint received 2021-04-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

3 weeks prior to XX/XX/2021, Capital One has locked my online access. I have contacted Capital One 10 times, totaling 10 hours to resolve the matter. I have provided my social security card, my state issued ID, and I have written letters to Capital One, per their requests. My name is XXXX XXXX. I also go by XXXX XXXX. My phone number is XXXX. Capital One has for 3 weeks now asked me to wait a few days each time I have called them, to allow the account to update ; I would then have access. I have asked for their legal departments information, but I have received only a correspondence address. My issue goes far beyond general correspondence! I have not received letter with an apology from Capital One. I have bot received calls from Capital One apologizing for the situation. I am tired. I am truly tired. I have done everything Capital One has asked me to do, and I am past stressed.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (DE)

Hello, The credit bureaus XXXX, XXXX, XXXX are reporting on my profile that I have a balance and missed payments currently however, I am in forbearance and not required to make payments at this time and this needs to be corrected asap. They are ruining my chances for getting approved for home loan, car loan and credit loan. I have provided proof of this forbearance attached.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I sent letters to each 3 main credit reporting bureaus : XXXX : Experian : XXXX I stated to each credit bureau, that there company violated federal law 15 USC 1681 ( B ) " permissiable purpose '' which stated the bureaus and collection companies must have consent to report personal information to the bureaus. These companies did not have consent and therefore made an error on my consumer credit profile that resulted in hardships during these covid hard times. The bureau made an error with a late payment on my mortgage account, which my mortagage account was in forebearance and is current and up to date, The account XXXX XXXXXXXX services must be removed as a late payment or these companies must provide monetary damages to me as a consumer for violated my federal rights and violated federal law and the policies of the CFPB! Remove XXXX XXXXXXXX as late payments mark them as current to rectify the companies error and pay monetary damages to me as a consumer.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/2020, my wife and I visited a beach restaurant on the island XXXX in XXXX and we had a small lunch. Beach restaurants on XXXX  often require their guests to hand over their credit card when entering to reduce the risk of patrons absconding without paying. After our small lunch ( six oysters and two glasses of prosecco ), before we even received the bill, the waiter handed back my credit card and a credit card slip that showed a charge of XXXX Euros  equating to a charge of US {$1100.00}. This was possible because the restaurant used the contactless payment feature of the credit card which requires no PIN or signature. I obviously protested immediately and demanded reversal of this outrageous overcharge. They completely ignored me, and pretty much laughed in my face. So I immediately called my bank, HSBC USA, from XXXX. My bank advised me to dispute the charge when returning home, which I did a week later upon return to California. 
However, my bank, HSBC USA, treated this as a billing dispute and asked me to show them the restaurant bill. I explained to them several times that I never received a bill from the restaurant and that the charge should be considered fraudulent and that I never authorized this transaction. My dispute was simply declined because I can't produce the bill. 
I find it unacceptable that HSBC Bank USA allows contactless payment without any form of authorization for amounts as high as {$1100.00} where the merchant can grossly overcharge the customer and there is no recourse. Especially since I immediately reported this fraud by phone after it happened, on XX/XX/XXXX. 
This bad-actor merchant in XXXX seems to have figured out that they can fleece their tourist customers and that the bank will not take any action or responsibility for the risks this contactless payment exposes their customers to. 
In short : an unauthorized credit card charge, with no authorizing PIN or signature, for an amount as high as {$110000.00} that is immediately reported as fraudulent and disputed according to the bank 's processes, should be reversed and not charged to the customer.
Consumer complaint received 2019-05-06
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: AES/PHEAA (KY)

On XX/XX/2019 my IDR repayment through XXXX was recalculated and it stated that my new monthly payment would be {$240.00} and the first payment would be due on XX/XX/2019. I made the correct payment on XX/XX/2019 and the noticed that my credit score significantly dropped ( 77 points ). This was the explanation provided on XXXX XXXX 's website : " Balance increased by {$660.00}. It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Between XX/XX/2019 and XX/XX/2019, your XXXX XXXX student loan account balance increased by {$660.00} from {$260000.00} to {$260000.00}. '' When I called XXXX they stated that the reason my score dropped was because of unpaid interest. So far as I know, it is common practice for student loan amounts to go up even when making regular payments because of interest. However, I am not aware of any other person who has been negatively impacted by interest on their credit reports when making timely payments. The only solution they offered was for me to make an extra {$1300.00} payment every month or have my credit score continually drop. 

I am on the Revised Pay as you Earn Plan as well as the Public Service Loan Forgiveness program since I work for state government. I do not understand how this is not predatory lending. XXXX determined the amount I could afford each month and that is how much I pay. I should not be penalized for making timely payments that they established.
Consumer complaint received 2022-06-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (LA)

I was contacted on XX/XX/2022 by XXXX, I was told that they were the collection agency XXXX attempting to collect {$260.00} related to an outstanding balance I had with XXXX XXXX XXXX, a public utility company. I had not received any notice of the debt from XXXX, both XXXX and the collector said that they had sent it to the address on file, where I no longer lived. I checked my balance online with XXXX, in addition to the {$260.00}, I also had a separate balance of {$250.00}. I called back the number, XXXX and asked for more information, wanting to clear the total amount owed. When I inquired about the separate debt of {$250.00} I was asked to provide my full social security number over the phone. Further, I was told by the representative that I could no longer pay XXXX directly for the debt. I declined to give them my ssn and called XXXX. 
When I called XXXX I was able to pay them directly for both balances. I received the list of collection agencies XXXX employs for collections and EOSCCA was not listed. 

I called EOSCCA and asked if they had purchased the debt or were affiliated in any way with the list of collection agencies XXXX provided and they said no. 

I am concerned that this was an attempt to steal my social security number, and I was given misleading information ( EOSCCA stated that I could not pay XXXX directly and that I needed to be transferred to their secure payment portal ).
Consumer complaint received 2020-12-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

on XXXX2020 I sent a letter regarding inaccurate information on my credit report. Its has been well over 45 days and I have yet to receive an updates or investigation results. I feel like I am being taking advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. it has been well over 45 days so I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX 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 2022-06-30
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX XXXX  account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX  account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX  account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX  account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX has all 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 instruction. 

15 U.S.C 1692C States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

On or about XXXX I applied for a Sams Club Credit Card ( Serviced by Synchrony Bank XXXX and was denied for the reason " Could not verify Identity '' via email - I called the toll-free number as directed and after several long holds, disconnections, and more I was told I would be mailed a letter that would explain. To date, I have yet to receive a letter. Frustrated, I reached out the Office of the CEO and was contacted by a XXXX XXXX. XXXX XXXX said she would research my application and get back to me. 
Today, XX/XX/22, she called me and told me her fraud department could not provide any further information. She told me I should try to reapply in person. I asked her how long I should wait, and she said, 30 days. I called the toll-free number and was told I must wait 90 days. 
My complaint is that I am unfairly being denied credit due to a fraud reason no person at Synchrony can explain and, I have offered to go to a XXXX XXXX XXXX to verify my identity or to mail/fax/email a copy of my ID including a passport. 
My credit history is flawless, and I have scores at or above 800 on all three repositories. I was told that my application was denied and that I have no recourse. This is unfair and discriminatory as I have gone above and beyond to resolve this. 
XXXX XXXX admitted this is a flaw in their system however offered no resolution to me other that than the apply in 30 days suggestion which thankfully I called to verify just to find out she was wrong.
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I experienced an extremely poor customer service from Citizens Bank. 

First, I had troubles setting up an auto draft payment at all. I called several times ahead the payment due date to make sure it is confirmed and I was told over the phone that it was, but then two days ahead of payment I received a letter it was cancelled ( even though I got a verbal confirmation that I'm all set ). 

Second, I was finally able to set up an auto draft for my mortgage in the amount of {$3900.00} that covers my monthly payments and set the payment date for XX/XX/XXXX. The payment came through yesterday, but then I saw that Citizens Mortgage also charged me another amount of {$2600.00}. I called today both Citizens Checking and Citizens Mortgage and no one was able to explain neither who authorized this payment nor where it went to. My mortgage was in fact adjusted for {$3900.00} but not for {$2600.00} I'm attaching snapshots from Citizens Bank Deposit account where you can see two charges withdrawn by Citizens Mortgage and a snapshot from Citizens Mortgage where you can see that only the payment of {$3900.00} was account for.