davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-02
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: GreenSky, LLC (TN)

A salesman came to my house to sell me Solar Panels. I told him I was interested. He insisted that I take a loan from this company. ( GreenSky ). After he left I calculated the money I would be paying. I cancelled the loan before any money exchanged hands. I then called XXXX and cancelled my order. The sales man said that I would be liability for the loan. GreenSky sent me a bill for {$12000.00}.
Consumer complaint received 2017-03-31
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zenith Financial Network Inc (CO)

On XX/XX/2017 debt collector tried to run my credit card for more than they were authorized to run it for. This is a debt for my husband that they called me looking for payment. I authorized them to collect {$240.00} on Monday, XX/XX/XXXX. The payment was not run until Tuesday, XX/XX/XXXX at which point an interest payment from the credit card company was run. When XXXX called me to let me know the payment did n't go through I told her to run it again Friday. She told me that " they '' only gave her until Thursday to collect and wanted me to pay something that day. I told her I would be able to pay Friday. This morning, Friday, I woke to find that at XXXX she tried to run the card for {$270.00}. Not a huge amount but if they are doing this to other people it adds up. She also told me there was no way to pay other than making a payment over the phone. I just went on their website and made a payment using their online system.
Consumer complaint received 2017-03-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (IN)

Went into the PNC bank on XXXX in XXXX on XX/XX/2017, put my card into the ATM went through the steps needed to make a withdrawal from my checking account. It let me complete every process to receive my {$600.00} withdrawal, gave me my receipt but did n't give me any money. Right then and there i told the branch manager and tellers what was going on. The first teller told me to give him a minute and he would assist me. A minute i did give him. After talking to him and filling him in on what was going on he called the branch manager who told me to dispute the transaction. That i did also. My whole thing was, another guy came and the same thing happened to him. Without question they immediately reimbursed the man his funds. If the machine was empty why would they still have it up and running and not have a sign on it. Or why would it let me complete all the steps instead of giving me the error message. I call them this morning to see if maybe they had balanced the machine and they said they have n't. I even asked if we could run cameras back to look at footage that shows me not receiving any funds. They even called in the woman who was " over the money in the ATM '' she simply refilled it and walked right past me to assist another person. They were n't any help and were so nonchalant. At one point in time they even acted as though they did n't see me sitting there in there lobby wanting help. Everyone basically keeps telling me to dispute it which could take time because i do n't really think that my financial institute even believes what happened and time is something that i do n't have. I have my receipt and it says i made a withdrawal from the ATM but they still were n't any help.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion completed an investigation of XXXX # XXXX, XXXX. # XXXX, AND XXXX # XXXX ON XX/XX/2017 ON-LINE. 


THESE INVESTIGATIONS WERE INITIATED ON XX/XX/2017 ON-LINE.THE FCRA allows 30 days to verify or delete etc ... ..only XXXX of the accounts of the XXXX above has been deleted.PROOF IS ATTACHED BELOW
Consumer complaint received 2017-03-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XXXX was paid in full at least 5 years ago. It was my understanding that the account had been closed. Now I am being billed by a debt collector for overdue charges on what? I do n't even have the credit card nor have used it for the past 5 years.
Consumer complaint received 2017-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc. (TX)

After being contacted by Caliber Home Loans in XX/XX/XXXX & XX/XX/XXXX regarding refinancing our existing Caliber 30-year loan, we started the refi process XX/XX/XXXX. We were quoted a 15-year loan, 2.75 %, 0 points, 0 out-of-pocket closing costs. Application & requested docs were provided & {$500.00} was paid for an appraisal. Numerous closing disclosures have been received, none of which had the information we were quoted. A closing was scheduled for XX/XX/XXXX but on XX/XX/XXXX it was postponed by Caliber until the next week. At that point we learned that the property taxes, which were due in XX/XX/XXXX, had not been paid. Therefore, we will not be able to claim them on our XX/XX/XXXX Income Taxes. The closing has not been rescheduled, the 90-day rate lock has expired, and numerous attempts at contacting Caliber have yielded no results or information.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NY)

Several loans which are currently being serviced by Navient have incorrect loan balances and interest amounts. For example, Navient loan # XXXX is being calculated based on orig. principal of {$3500.00} and fixed interest of 6.80 %. However, orig. principal amt should be {$1600.00} due to a portion of the loan having been cancelled and never disbursed. Additionally, this loan has a fixed rate of 4.50 %. There are several loans being fraudulently treated this way. Navient is also reporting a much higher balance due on my loans because of the fraudulent way it is being calculated. I advised them of their mistake on several occasions ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ) but they have refused to fix the info on file. They also have not acknowledged payments made on this loan while it was handled by XXXX and XXXX between the years XXXX through XXXX. When Navient received the loans, they did basically erased all prior payments from the loan history and on their website, and essentially restarted the loan and repayment with the allegedly orig loan amount without including prior payment made by me - they basically inflated the numbers to increase their income.
Consumer complaint received 2024-11-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (FL)

I am writing to formally dispute certain items on my credit report that I believe are a result of identity theft. I have recently discovered that my personal information has been compromised, leading to unauthorized accounts and transactions being opened in my name without my consent.
Consumer complaint received 2017-06-28
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. (AL)

BACK IN 2015 I WAS A VICTIM OF A ROBBERY AND I WAS INJURED. I HAD NO INSURANCE. WHEN I WAS SEEN AT THE HOSPITAL A LADY FROM PATIENT SERVICES CAME INTO MY ROOM AND ASKED FOR INSURANCE INFORMATION I ADVISED I DIDNT HAVE ANY. SHE SAID I WOULD QUALIFY FOR A CHARITY CARE AND ALSO TO GO AND APPLY FOR A XXXX CARD. AND THEY WILL COVER THE BILL. I APPLIED FOR A XXXX CARD AND RECEIVE IT. I WAS TOLD THAT XXXX WILL GO BACK AND PAY THE DR. BILL FROM MY INJURY. I TRIED CALLING THE DR . OFFICE XXXX XXXX XXXX XXXX AND I WAS GIVEN THE RUN AROUND. THE LADIES IN THE OFFICE KEPT SAYING SOMEONE WILL CALL ME BACK AND NEVER DID. I ASSUMED EVERYTHING WAS OJ SINCE I HAD LEFT MY XXXX INFO WITH ONE OF THE LADIES IN THE OFFICE. SO ABOUT A FEW MONTHS LATER A COLLECTION AGENCY CALLED ME ABOUT THE BILL AND I EXPLAINED TO THEM THAT I GAVE THE DR. OFFICE MY XXXX CARD INFO FOR THE BILL AND I ASSUME EVERYTHING WAS TAKEN CARE OF. I TRIED TO GIVE THE COLLECTION AGENCY MY CARD INFO FOR XXXX THEY WERE RUDE AND WASNT HEARING IT. THEY WANTED MONEY. IT IS NOT MY FAULT THAT THE XXXX INFO WASNT FILED IN A TIMELY MANNER. AND THIS BALANCE SHOULD NOT BE ON MY CREDIT REPORT. THE COMPANY FELL TO FILE WITH XXXX IN A TIMELY MANNER
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NM)

i have challenged the account with equifax numerous times with the address they provide as they have stated that they have verified the account belongs to me and ask me to contact creditor with address provided by equifax. I did send a letter to collection resouces with no response due to the mail being returned to me. so send the evidence of returned mail to equifax with the address they provided as they claim equifax has verified it, but i am confused how they verified as i can not with the address they have provided. I know that this is wrong information being reported on my credit report and equifax has provided a false address, i have demanded the item to be removed immediatly but they continue to verify
Consumer complaint received 2017-06-27
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)

On the dates XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I sent disputes to Equifax to investigate the incorrect reporting of a XXXX XXXX XXXX account ( XXXX ) on my credit. I am a victim of identity theft. Someone opened an account with XXXX XXXX using my information in XXXX XXXX and left an unpaid debt of {$11000.00} on the account. This debt was eventually charged off and placed back on my report as a bad account. In XXXX, I contacted and filed an FTC Identity Theft Affidavit to open an investigation and get this matter resolved and removed from my credit report. I have recently re-filed a police report to get Equifax to understand the situation I 'm in and finally remove this bad account from my credit. I have contacted Equifax on multiple occasions with the attached police report but they are refusing to remove this account from my credit. This account was reporting on all three of my credit reports but once XXXX and XXXX initiated an investigation, this account was promptly deleted from my report when it could not be verified as accurate or complete on my credit. I am including an attachment with XXXX XXXX exact response showing the results of their investigation. I am also including a page of a recent report showing how this account is only on Equifax. Equifax is automatically disregarding my dispute as frivolous despite having information that states and supports otherwise. The issue is that the account is not even supposed to be reporting on my credit at all. I do n't understand how this can be possible? How can Equifax 's investigations yield a different response from XXXX and XXXX?
Consumer complaint received 2017-06-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (DC)

My problem started in XXXX 2017. Suntrust Bank N.A. Refunded some of the fees for my items which were submitted to be paid ( such as health memberships, XXXX, etc ). My cable bill and my cell phone bills went through this account as well. In XXXX 2017, I became ill and noticed that my acct was overdrawn by {$200.00}. I called the bank and told them I did not want them to honor any automatic payments. I spoke with the manager on XX/XX/XXXX and she said she had reviewed my account and would call me back. She never did and the charges have now amounted to -XXXX. <P/>I am going to close this account, and I have contacted my automatic billers to not bill that account. I have accrued over {$500.00} in {$36.00} overdraft fee increments. Please assist me in recovering some of these fees.
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (NY)

I have 2 checking accounts with keybank, wife/myself ( 1 ) and daughter/myself ( 2 ). On XX/XX/XXXX my daughter noticed fraudulent activity on her account ( 2 ) and reported it to KeyBank. OnXX/XX/XXXX KeyBank put a {$1600.00} hold on wife/myself account ( 1 ) without notice or warning citing " write up offset '', leaving me unable to pay my bills. Keybank only response was to give me 2 case # 's XXXX and XXXX, also stating they have 10 business days to resolve matter. Can a bank do this? Had I not noticed this and mailed out payments my account would be overdrawn.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (MI)

I went into get a loan and was giving my credit report and I found that my mortgage company was not reporting my payments for the last 13 years. I have been paying $ XXXX {$600.00} a month on time and no I have not did anything about it but file this complaint.
Consumer complaint received 2024-11-24
Product: Credit reporting 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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX Account Name : DEPTEDXXXX XXXX XXXXXXXX Account Name : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX XXXX XXXXXXXX Account Name : US DEPT OF EDXXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Consumer complaint received 2024-11-24
Product: Credit reporting 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IN)

I looked over my ebill and found that I had a {$27.00} late fee added to my bill for XXXX. My billing due date is the XXXX of the month and I make a payment with each of my bi-weekly payroll checks. Upon looking at my billing, I saw my second XXXX payment XXXX and a late XXXX payment on this bill. The payment I made on XXXX was included on my XXXX bill with my XXXX payments after the XXXX deadline. I called the customer service line and spoke with a representative ( I did n't write down her name ). She did refund this fee, but when I asked why the XXXX payment was n't included on the correct bill, she informed me that the bill was generated on the XXXX of the month. So any payments made within the month between the XXXX and XXXX are in limbo and do n't count toward the minimum balance and get charged a late fee. I asked what I could do to get the payments posted correctly, because I pay with each of my paychecks. She explained that I could change my due date, but this would n't change the bill generation date. I feel that any payment made after the XXXX by the XXXX should go into the appropriate billing cycle to count toward the minimum payment due. {$27.00} is an excessive late amount especially when I am making the appropriate effort to make my payments before late and the company is manipulating the dates ( bill generation date vs due datee ) to allow payments to fall outside of the current billing cycle.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I am writing to request the removal of the following incorrect or outdated addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These addresses are no longer associated with me and should be removed to ensure the accuracy of my credit report. Please update my file accordingly to prevent any potential confusion or negative impact on my credit.
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (WI)

I have a Discover credit card. It has been delinquent and I received several voicemails asking me to call or to go online and make payment arrangements on or before end of  XXXX ,   XXXX   or the account would be charged off. I made a payment plan arrangement online before the deadline. When I went online the week pf  XXXX   XXXX  to check on status, I was unable to login as my account was in " special status '' and I was instructed to call  XXXX , which I did. After a run around, I was told my account had been transferred to another division of Discover and told to contact them at  XXXX , but also told they were closed at   XXXX   cst ( it was  XXXX  cst when I first called Discover  ) . Meanwhile, my father had received a call from a debt collector at  XXXX  cst today - we presume a debt collector as they did n't identify themselves, but a reverse phone check of the number (  XXXX  ) revealed them to be a firm called  XXXX   XXXX  - a firm neither my father or I had ever heard of before. I mentioned this name and number to the  Discover  rep and they were n't aware of the cos or if the management of my account has been transferred from  Discover  to  XXXX .     I submitted a complaint to the CFPB ( complaint #  XXXX  ) and requested a cease and desist all calls to me or to my father by  XXXX   XXXX  or any authorized agent of  Discover  UNTIL I get a satisfactory resolution as to the following :  1  ) status of account ;  2  ) access to my account online ;  3  ) explanation why my account was charged off when I had set up an agreed upon payment plan online as requested numerous times by Discover.     I received a response from  XXXX , but never from  Discover  Card. Today  XXXX   XXXX ,   XXXX  , I received in the mail a notice from   XXXX   XXXX   XXXX   that they are representing Discover Card and indicated in that letter that I had requested no further communication from  Discover  Card. As indicated in my complaint  XXXX , I requested no communication until  3  resolutions were satisfied. Obviously,  Discover Card  misinterpreted my instructions.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-21
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: EQUIFAX, INC. (GA)

I am filing this formal complaint against Equifax regarding an unauthorized credit inquiry that appeared on my credit report. Despite notifying Equifax of the unauthorized nature of this inquiry and referencing relevant law, they have refused to remove it. 

The inquiry from XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX was made without my explicit consent or permissible purpose as required under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681b, any party requesting access to a consumers credit report must have a permissible purpose, which includes consumer consent or a legitimate business need. However, I never provided such consent to these entities, nor do I have any business relationship that would justify these inquiries.

After discovering these inquiries, I filed a dispute with Equifax, providing all necessary documentation, including my Federal Trade Commission identity theft report, and citing the FCRA. However, Equifax refused to remove the inquiries, citing that " inquiries are a factual record of file access '' and would remain on my file for two years, despite the lack of permissible purpose.

I would like to bring attention to the legal precedent set in XXXX XXXX XXXX, XXXX, where the court ruled that consumer reporting agencies may be held liable for failing to maintain reasonable procedures to ensure compliance with the FCRAs permissible purpose requirements. In XXXX, the court affirmed the importance of adhering to the FCRAs strict provisions on permissible purposes for accessing consumer credit reports. XXXX failure to verify the legality of the inquiry and refusal to correct the issue violates their obligations under the FCRA.

Equifaxs conduct not only undermines the protections granted to consumers under the FCRA, but it has also directly caused harm to my credit standing, with a significant drop in my credit score following the unauthorized inquiry. I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate XXXX violations and compel the removal of these unauthorized inquiries from my credit report.