davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
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. (TX)

In accordance with the federal credit reporting act. The list of accounts below have violated my federal protected consumer rights to privacy and considerably under 15 US C 1681. 

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 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, 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 that consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes, which antedates the report by more than seven years.

15 U.S. C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is inaccurate.
Consumer complaint received 2023-03-02
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. (IL)

A credit card was opened in my name on XXXX I did not authorize to open. The credit card was opened under XXXX XXXX  ( XXXX ) a XXXX XXXX XXXX. I had spoken to the credit card company and they have flagged the account and closed it. I additionally spoke with the fraud department at experian credit bureau.
Consumer complaint received 2023-02-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Fresh Holdings Inc (FL)

Representatives from this company called multiple people that were close to me trying to locate me to serve me legal papers. Contacted people that have nothing to do with the debt. Told me to be home so they can serve me the legal documents.
Consumer complaint received 2022-06-07
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: Fidelity National Information Services, Inc. (FNIS) (TX)

I was declined a account when I realized XXXX XXXX XXXX XXXX place my information in Chexsystems accusing me of account abuse, I contacted the bank on XX/XX/2022 and the manager I spoke with in the fraud department failed to confirm, what type of account abuse occured and proof of such. Further more I have disputed the accuracy of this information with CHEXSYSTEMS, but they have failed to confirm how they obtained this information, and did not provide me with proof that I authorized them to furnish or share any of my personal information, they responded back with verified by XXXX. 
They did not give me a name or any other documents showing proof of such verification The remedy I want is for this Information from XXXX XXXX XXXX XXXX to be removed and deleted from my CHEXSYSTEMS CONSUMER REPORT
Consumer complaint received 2020-06-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP. (TX)

XXXX XXXX : NMLS license : XXXX Has been holding the loan hostage to show me she has the control. She has been dragging the loan process out tell they had to re-pull my credit report. XX/XX/XXXX I spoke with XXXX about my loan and he said over the phone they are waiting on the down-payment. I provided the proof of the down payment to the lender and proof where the money came from. XXXX came back in the picture and demolish what XXXX did. It has been 36 working days and she lied and said it was 60 working days. Each time I spoke with her she would be rude and talk to me with her mouth full of food or gum. On XX/XX/XXXX she reverse everything that was agreed on that morning. XXXX would talk over me like a nagging nat while I was explaining to her I sent in the required documents. The Dealer had also sent in the requested documents and she would claim we never sent them in to 21st Mortgage. She would purposely not update the documents that the dealer and I provided. XXXX knows I am active military and XXXX. I since the way she is treating me the disrespect is that she doesn't like XXXX military men. That is why I believe she is purposely dragging the loan out. After I spoke with her she wanted another {$3000.00} dollars for a downpayment totaling {$7000.00}. I complained and it was dropped back to {$4000.00}. I had to reach out to a nonprofit organization for an additional downpayment and she had a bad attitude about me receiving downpayment assistance. 
My income is XXXX  ( XXXX ), XXXX XXXX, plus my wife 's income. We prequalified with them. 
The other thing is 21st Mortgage will not place the correct escrow amount on the documents. ( They claim federal law mandates them to do so. ) Their estimate for me is about 7 years of taxes of what I pay which is school tax. I am tax exempt and they claim they have to charge me the taxes as if I was not tax exempt. Before they told me it was federal law, I was told I had to obtain a document stating how much my taxes were. Then it was that I faked the document. One employee there actually stated that I could fake all my documents and thats why they are not excepting them. That was the other thing that was preventing me from obtaining the loan. I believe XXXX should lose her NMLS license for prolonging my loan process.
Consumer complaint received 2020-07-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION (NC)

I paid this company {$290.00} for a {$200.00} loan already back in XXXX of 2013, i transferred my job to a different Location in Virginia and lived in XXXX Virginia areas. They kept calling me and i told them stop it and paid them with my tax refund that year in 2013 and they're just harrassment in my emails and all. I lost my job due to covid19 and I refuse to pay them again. I don't have documents because I moved to many times. It has now negatively affected my credit reports and scores. I just want them to stop it!
Consumer complaint received 2022-07-17
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: Experian Information Solutions Inc. (GA)

XX/XX/XXXX To whom this may concern, This is a follow-up request from my previous complaint regarding XXXX, Experian, and XXXX allowing unapproved and fraudulent inquiries remain in my credit file which they manage. Once again, I did not authorize anyone employed by these companies to make any inquiry to view my credit report ; therefore, I formally request that these fraudulent inquiries be immediately deleted from my credit file that they maintain. Their unwillingness, and opposition towards The Fair Reporting Credit Act, has, and still causing adverse effects to my credit file, all of these unauthorized inquiries are hindering my ability to obtain new credit. I request that you validate this information with these companies and provide copies of any documentation associated with these inquiries bearing my signature ; I will appreciate and updated copy of my credit report after corrections are made. 
Unauthorized Fraudulent Items to Be Deleted : XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX, Experian, and XXXX Willful failure to comply violated 15 U.S.C. 1681n, and 1681o, their breach of my Right To Privacy violated 15 U.S.C 1681 Section 602 ( A ), the furnishing of my credit file information without written instruction violated 15 U.S.C. 1681 604 ( 2 ), and 15 U.S.C. 1681c ( a ) neglecting to put fraud alerts in place to protect my identity. Previous complaints numbers placed with the Consumer Financial Protection Bureau are as follows : XXXX, XXXX, XXXX all relating to this current complaint.
Consumer complaint received 2022-09-16
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello, I went to a restaurant XXXX  on XX/XX/22. My ticket total was {$40.00}. I typically order the same XXXX XXXX with extra shrimp. The issue is I found a ladybug in my salad and immediately called them before they closed. A male id himself as the manager stating that he would replace the order, I was upset but agreed. About six weeks later I contacted them to replace the order and the female manager accused me of having the order already replaced three or four times! This upset me so much because I would generally spend money in their establishment about three to four times per month. I wrote a terrible review for the restaurant however I still wanted to be refunded. So I contacted Capitol One they gave me a temporary credit however reversed it stating it's their policy that I contact another competing restaurant and have them write a letter stating that a lady BUG is not supposed to be in my food. I feel this is very asinine and totally unnecessary, so I am filing my complaint with CFPB. I took a photo as proof. The area manager insulted me suggesting that the bug could have fallen off me! I have bank statements two to three years back purchasing food from the chain I'm not sure why they would want to assume anything other than what I advised them of on XX/XX/22.
Consumer complaint received 2023-03-02
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-12-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thunderbird Collection Specialists, Inc. (AZ)

This company will continually call me during work, every SINGLE DAY & leave voicemails. I work banker hours & days with a high demanding job that requires my full attention which requires me not to be on a phone & they dont take that into consideration that normal people work those hours. They have also sent me a text after not answering a call & have also created numerous other numbers after I blocked their number to call me AGAIN daily.
Consumer complaint received 2022-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (VA)

Years ago, my girlfriend and me opened up a checking account with SunTrust. With the merger with BB & T, they are now Truist. My SunTrust debit card was good until the end of XX/XX/2023 and my girlfriend 's card had an expiry date further away than that. In XXXX, Truist sent us Truist debit cards with instructions on how to activate them. There was nothing mentioned about our SunTrust cards being cancelled or that there was any sort of timeframe to activate these cards by. We decided we would continue using our SunTrust cards that were still valid because they offered XXXX as a payment service, which can sometimes be helpful when merchants are having issues with XXXX. A couple of weeks ago, I tried to use my SunTrust card to pay for a couple of games online. It told me, the card was declined. When I called Truist, the customer service representative told me the card had been automatically cancelled back in XXXX. We received zero notice that our SunTrust cards were going to be cancelled and the customer service representative told me, it was automatically done and there was nothing she could do. I asked for a supervisor. She told me one would return my call the next day, which never happened. I tried calling back on 3 different occasions, to wait more than 2 hours on hold to get hung up on as soon as the call was answered. 

As a XXXX XXXX person, the raised numbers and letters on my SunTrust card was much more useful to me. What really irks me off though is, that there was no notice at all in regards to our old cards being cancelled and customer care just kept repeating, there was nothing they could do until I asked for a supervisor, which I never got a call back from and have not been able to reach anyone at Truist customer care since.
Consumer complaint received 2020-06-25
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: CITIBANK, N.A. (NY)

I purchased a guitar amplifier on XX/XX/2020. When I received the item it was damaged and missing a part to be able to use the item. I have filed a dispute with the credit card company twice and both times they sided with the merchant. I did everything they asked. I produced all documentation and photos. I contacted the merchant to schedule the item to be returned. He never answered. The purchase price was {$5500.00}. The credit card company is citi card. This has been going on for four months and all I want to do is return a damaged unusable item for a refund
Consumer complaint received 2022-07-17
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. (PA)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this. Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated XXXX XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 2022-07-14
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: ENCORE CAPITAL GROUP INC. (UT)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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.
Consumer complaint received 2022-07-17
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account # XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # 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 2022-06-14
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: Kinum, Inc., Indianapolis, IN Branch (MD)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2020-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I got my credit ran today XX/XX/2020 because I applied to XXXX XXXX XXXX and I did not qualify to rent an apartment because my report came back with a lot of accounts in negative standing. Before today I didn't even know that these accounts were on my credit because none of them are mine ; I did not open any of the accounts I listed on this report and I have never allowed anyone to open any credit card, loan or anything else in my name. I don't know who is responsible for all of these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payment towards any of these accounts. As for the companies that the accounts are coming from, I do not have any written/verbal contract with any of those companies nor am I affiliated to them in anyway.
Consumer complaint received 2022-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WA)

This complaint is regarding EdFinancial student loan processing. 

On XX/XX/XXXX I called them to request a refund for payments I made since the Pandemic pause was initiated on XX/XX/XXXX, which I am permitted to do as part of the Student Loan forgiveness. 

When I called EdFinancial, they were incredible deceptive about the timeline for any refund processing, whether it could even be processed, and what the amount would be. Despite their website saying they could access my payment history, the representative I spoke with was unable to even tell me how much I had paid since the Pandemic pause began ( though there was direct language on their website saying that, if I had any questions regarding how much I've paid, to call them and they could tell me ). He also could not tell me what form the refund would take, and even said it may take up to 7 months to process. 

I find this to be incredibly misleading and the timeline to be both deceptive and unacceptable. 

Because EdFinancial seems unable to track their own payment history, I have itemized my payments made on my student loans. 

Total : XXXX By date : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX I am requesting the refund I am entitled to, back to the bank account I utilized to make the payments.
Consumer complaint received 2022-07-17
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. (PA)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this. Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated XXXX XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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