davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-08
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: D. SCOTT CARRUTHERS (CA)

I have been receiving repeated calls from this company called Scott D. Carruthers office of law, a collection company in behalf of XXXX for a loan that I took out years ago. I have written them a cease letter not to contact me since they did not send me anything about this alleged debt in the past. However, they have also contacted my children who are in college and threatened them that they're going to take me to court and sue me. They have also contacted other relatives of mine including my parents and siblings revealing to them this alleged debt. My children are distracted during their finals weeks because they keep calling them from different numbers after they block them and told the to have their money call them and that it is very serious revealing I owed a debt.
Consumer complaint received 2019-05-08
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. (UT)

Equifax is failing to remove the accounts involved in fraud from the credit reporting with the multiple police reports they have in their possession. The problem is they are using a FAILED XXXX system in converting legal police reports into numeric code which then sent to the debt collectors. The debt collectors have no knowledge of the police investigation details from Detective XXXX XXXX, XXXX XXXX XXXX Police, instead these accounts are fraudulent coming back as verified. Which in itself is a crime. Detective XXXX XXXX, has stated the police reports below are final and no further police reports are needed for the police report cases. 

Police report numbers : XX/XX/XXXX-REPORT NUMBER : XXXX XX/XX/XXXX-REPORT NUMBER : XXXX XX/XX/XXXX-REPORT NUMBER : XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

one inaccurate bankruptcy is reporting under equifax credit reports of mine, this is a complete inaccuracy that is reporting gunder equifax, i have never had a public record filed. please find attached the documents that i have received and specifically shows that i have no public records what so ever, please make my complaint and proceed to having equifax remove this inaccuracy reporting cause they a re not helping me in this case and are not helpful at all, disputing inaccurate and wrongful way and very much disrespectful thank you
Consumer complaint received 2019-02-04
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. (TN)

Hello! Ive had an issue with XXXX XXXX for years now. When i first purchase the car everything was fine. The car was brand new and then i start having issues with a car with 8 miles on it leaver the dealership. I started having engine issues which turned out to be a recall defect. I spoke with the dealer who sold me the car and he told me to bring it back and XXXX XXXX the car out and send me paperwork. To find they never did that. Right after that my husband XXXX and we went overseas to XXXX so i was unable to call and check bt i sent multiple emails and no response. To find out the dealer took the car back and it was sold at auction. When we got back to the stated the dealer no longer works there and i called XXXX XXXX and no one was able to assist me. The car was sold at action and stated as a write off when i called cx service bt they want me to do a settlement. I explained that the car had a defect issue and it took it back to the dealer bt we soon went overseas. I have asked for contracts and proof of sale or anything from the dealership to clear my name bt was unable to provide. I disputed it and they took it off but reopened it like 2 months later and dropped my score tremendously. I have no car to show for it and cant get another one and its hurting me and taking a toll on my Health and family. I just want this car taken off my credit bc i was tricked into sending the car back because of a recall issue and the salesman XXXX  me over and now Im paying for it and its on my credit as a repo and it was never a repo. He told me to bring it back and XXXX would pay it off for recall so i didnt want another car from them. Plus they  closed and removed it then reopened my account on my score years after my car was gone. I am no longer responsible for this loan and the car is sold and they have gotten tax write offs for it. Please help me and the company is not sending any information to me and Ive wrote letters and getting a lawyer soon. Thank you. Please remove this from my credit report please
Consumer complaint received 2019-02-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I sold a watch on XXXX  and then they returned it when the buyer did not like it to an address I have not lived at in over ten years. Then when the people currently living there would not accept it XXXX  then shipped it back to the buyer and automatically debited my paywall account the XXXX dollars. Both XXXX and Paypall refuse to do anything including get me back my grandfathers XXXX watch that I mistakenly sold for XXXX that is actually worth over XXXX please help even if its just getting me my watch back.
Consumer complaint received 2020-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Just received letter from LoanCare of Va. They said a payment was applied of {$650.00} to my principal in XXXX and pulled back out per my instructions. Copy of XXXX and XXXX will be faxed to CFPB in 10 minutes!! NO record of ANY {$650.00} dollar payment either way. Since XXXX of Last Year, I have tried to get LoanCare Correct their mistakes showing on their own statements, with NO success. CFPB did take actions against LoanCare in the past. LoanCares latest letter, Exactly as they did in recent complaint with CFPB, they lied to me and CFPB. Along with lying you have breach of contract, and what about the federal and state laws broken? 
Fax of documents ( LoanCare 's own monthly statements ) coming shortly after getting complaint # from CFPB!
Consumer complaint received 2019-02-04
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 Karma (CA)

While reviewing my credit reports on XXXX, XXXX, and XXXX in XX/XX/XXXX, I was stunned to see that my XXXX XXXX Credit card, ending in XXXX had been reported as closed on XX/XX/XXXX causing me to lose XXXX points off my score. I immediately called XXXX XXXX XXXX to verify the status of my account. XXXX XXXX XXXX informed me that my credit card ending in XXXX was not closed, but under " special handling '' with my Credit Protection Insurance that I initiated in XX/XX/XXXX. I lost my job in XX/XX/XXXX and thought it was a good idea to utilize my Credit Protection benefits for my XXXX XXXX card. My benefits were approved. Two payments have already been made. One for {$75.00} on XX/XX/XXXX and another payment for {$25.00} on XX/XX/XXXX. The problem is it's been reported as " Closed '' on all three of my credit reports, and my credit score was dinged by XXXX points! XXXX XXXX XXXX insists that my account is not closed, yet nothing has been done to reflect my account being " Open '' and my XXXX points reinstated on XXXX, XXXX, and XXXX. 
Please help me. 
Thank you.
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP (TX)

This probably won't do any good but I am so frustrated with Bank of Texas. 
XX/XX/2020 - Opened checking accounts with Bank of Texas for 5 XXXX  We did our best to transition from XXXX XXXX to BOT in the middle of a pandemic. 
XX/XX/2020 - Scheduled an online ACH for the comptroller to pull out taxes of about {$7500.00} on XX/XX/2020 XX/XX/2020 - Made a deposit with a XXXX XXXX Cashiers check {$8900.00} BOT gives two receipts - the deposit receipt and then a second receipt showing if funds are delayed. ( did not realize this as a new customer ) I looked back at my records and did not find the second receipt. So I based my actions on the online account and the first deposit slip. 
XX/XX/2020 - Funds are not withdrawn from the account XX/XX/2020 - I call the Comptroller inquiring and they said the bank rejected the transactions and I had {$480.00} of fees and penalties. 
XX/XX/2020 - I Asked the bank why they rejected the transaction and they said they gave me a delayed receipt and they hold new customer deposits for 7 days. 
I had no idea they would hold a XXXX XXXX cashiers check for that long. I have been affected by XXXX and I am doing the best I can with extremely limited banking options and resources to get money moved around. Cash was not an option from XXXX XXXX and I think holding a cashier 's check for 7 days is extremely unreasonable. Especially if it shows available on the BOT online portal. 
My complaint is this - My online account showed the funds were available. BOT said they gave me the receipt and a copy of that delayed receipt is attached. So nothing will probably happened to them but I think during a pandemic of this magnitude to not work with people on trying to help them within reason take care of payments and move cashier checks to be available sooner is really unAmerican. We are clearly not all in this together because BOT said they would not help me with any fees and if I need to find another bank I need to do that. I do not think they should allow their online accounts show one thing and clients have to rely on a second piece of paper to know they don't actually have access to their money that came in the form of a cashiers check for 7 days. Our XXXX  is already in XXXX state and having fees like this for a mistake that was beyond my understanding is another devastating blow to our XXXX XXXX  that probably won't make it anyway.
Consumer complaint received 2024-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I had my tax return taken for a default in payment. My address changed - nothing was sent to me by email. The payment made was not reflected on my account and the information was not provided. I was in a forbearance collecting interest for a long time.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (AL)

Several unauthorized hard inquiries were added to my credit report on XX/XX/year>, XX/XX/year>, and XX/XX/year> without my consent. I have reached out to each creditor regarding these inquiries, requesting documentation to prove that I submitted or signed a document authorizing them. Unfortunately, none of the creditors have provided any documentation to support these inquiries. Despite my request for the inquiries to be removed, they still remain on my report and are adversely affecting my credit profile.
Consumer complaint received 2024-09-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

around 14 years ago my ex-wife used my info to cosign for her son a student loan that i had no knowledge of until 3 months ago, when i received a phone call about past due loan payment. I let them know i didnt cosign for that loan. then my credit report took a huge hit due to late payment. after talking to them they said that the borrower had it on forbearance for over 3 years and hasn't made a payment. I knew nothing about this. Now I have to pay for a loan that has a ton of interest added to it because of years being on hold. 
and I knew nothing about until they called me for a past due payment. 
I did make the past due payment after it hit my credit report. even though I did not cosign for this loan and knew nothing about it until 3 months ago. its over {$12000.00}. i explained it all to them over the phone. but they didn't care. now I see there is a lawsuit with Navient. I feal I should be a part of this. since I took over this loan just so it won't crush my credit score more than it already has. I also feal the borrower should not be a part of the lawsuit sense I the cosigner is making the payment because I don't want my credit score effected by this loan that i didnt aprove of to begain with.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

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 168b permissible purposes of consumer reports. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year> Wells Fargo reversed a XXXX check cashed in a old closed Wells Fargo account from a year and two months ago that cleared with no problems and was paid out. the account being closed Wells Fargo took it upon themselves to take the money out of my new account even though the check cleared in the old account
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

This is my second complaint with this company and me not being able to access my credit report with Equifax, Every time i get on site and submit my information it states its can not be found I have to attempt at least ten or more times keying same information before i could possibly get in. This is a headache because everytime i call i provide same information im keying over the web and they say they dont know whats the problem. This is too time consuming and is not fair to me
Consumer complaint received 2019-02-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/2019 I received an email notice that a transfer into my Wells Fargo Business Checking Account had failed because the account was closed. I called Wells Fargo the next day to find that the account was closed for inactivity. However, the account had been active and I had been primarily accessing the account through ACH transactions ( payments from customers as well as payments to credit cards used in my XXXX   business ). I was informed that the account could not be reopened once closed, despite the acknowledgement that the account was clearly active and appeared to be closed in error.
Consumer complaint received 2019-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION (PA)

On XX/XX/19 I requested a {$100.00} transfer to a non-BB & T account using XXXX. My payment did not go to the intended recipient when he notified me that he did not receive my funds. I contacted the bank on XX/XX/19 to notify them that the account number was incorrectly entered. The bank indicated that the funds probably would not go through if the account number was wrong. I opened a claim and was notified on Tuesday that there was nothing they could do since the account number was incorrectly entered. The bank told me that I would have to file a police report. I feel that the bank should be held liable for the money that I am out since someone else received the funds. Please advise if there is anything else you can do to contact BB & T. Thank you,
Consumer complaint received 2019-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP (DE)

I request a credit limit adjustment to XXXX XXXX dollars to match most of my other credit card accounts from the other banks. My current credit score is XXXX & have been XXXX XXXX for over thirty years now.
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (CA)

Discover Card XXXX was totally paid and has not reflected in my score. XXXX  not answering phone and I DO NOT HAVE A COMPUTER. I am going to move next month and I need my score raised so I can get away from here where I am living at. Discover Card has been just lowering my score constantly and i CAN NOT GET INTOUCH WITH XXXX. NOT ANSWERING PHONE.
Consumer complaint received 2019-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (OH)

On Monday, XX/XX/2019 at XXXX, I made a {$640.00} cash deposit in the Key Bank ATM machine at the local XXXX branch and the machine malfunctioned. My card was not returned nor was the {$640.00} cash I tried to deposit. All I received was a receipt stating " Cash Rollback Receipt : WE ARE UNABLE TO PROCESS SOME OF THESE ITEMS. THESE MAY NOT HAVE BEEN ABLE TO BE RETURNED '' and to contact the branch for assistance. I was not able to go inside the KeyBank branch as it was a holiday and they were closed so I went into the branch Tuesday, XX/XX/2019 to talk to a branch manager. I was told by the manager to give it 2-6 days for them to investigate and we should receive the money back into my account. And to be patient because we were not the only customers the ATM has done this to and that it has occurred multiple times. After the sixth day, I reached out the manager again, I am told that the matter will be escalated and it actually will take 6-10 business days. I still have not receive my {$640.00} and I am not told that it is out of the managers control and that corporate is handling it.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Self Lender Inc (FL)

XXXX XXXX keeps on report to the credit bureau negative information about me. I did contact them twice, they're referring me to another company name : self lender. In wich they have provided me with a phone number XXXX However, when ever I try to reach them, they never picked up the call. I need your help. I don't have much credit, now it getting worse, because of those people who did offer me a service, then you can't declined it