davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OH)

For the past month I have intermittently attempted to obtain my credit report from Equifax. I was able to get the report easily from XXXX within a minute or two. Equifax continually stonewalls my attempts to obtain it online or by phone. Each online attempt got a negative response and a " call us '' message. I called four times XX/XX/XXXX and on XX/XX/XXXX. On the first call, I was able to finally reach a person who kept stalling and saying he was waiting on his computer, then later said the system was down and to call in two hours. When I asked him if he would still be there in two hours he said " definitely ''. When I called back in EXACTLY two hours, the automated service said they were closed. The following day, I was asked a number of questions that suggested that my credit had been used by someone to obtain mortgages and bank cards, then the call was terminated. A year ago, when I suspected my address was being used for fraudulent purposes I requested that a notice be put on all three agency reports. I never heard back from Equifax or XXXX.
Consumer complaint received 2017-08-23
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (CO)

i am struggling to get financing to go back to school, due to the fact that i have over 79k in loans that i am expected to pay back on a XXXX year salary. this is nearly imposisble for me as i am a father of XXXX and have no other source of income. when i went to XXXX i had no idea the cost of what college should be and now i have learned that the caliber of education i received does not equate to almost 100k, i wish to learn more about the CLAss action lawsuit against Navient that is being pursued by you. XXXX XXXX and XXXX forced me to believe there school was the only one to attend and they had the best education for my money, i was wrong and i continue to be stuck in a career pit as i can not afford a better education. please contact me
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As of XX/XX/2023 XXXX reported that my prepaid XXXX XXXX  card has a debt of XXXX to XXXX and transunion and a debt of XXXX to XXXX stating the information is correct when I filed a dispute. On XX/XX/2023 I called XXXX to see what was going on to which they stated there is no debt on my account. They wrongfully reported debt to the agencies mentioned then proceeded to give excuses why they would fraudulently report said debt.
Consumer complaint received 2017-08-23
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. (VA)

I did not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested XXXX XXXX XXXX failed to provide me with competent evidence that I have any legal obligation to pay you for over two years ( first reported XX/XX/XXXX ), and have failed to do so. Experian and XX/XX/XXXX continue to report invalidated information on my credit report. which might constitute fraud under both Federal and State Laws. Which they both return notices the debt is VERIFIED, not validated. I have asked to submit proof since XX/XX/XXXXr of last year XX/XX/XXXX, and the debt collection agency has not. Proof I needed The agreement with your client that grants XXXX XXXX XXXX XXXX XXXX the authority to collect this alleged debt. Any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Copies of all statements while this account was open. FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. The notices i recvied dated XX/XX/XXXX, was a notice of my dispute of inaccuracy of the debt, but if fact it was not, but for validation of the debt. The company has never provided this information, has had over two years to provide this information, well over the 30 days
Consumer complaint received 2023-02-26
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: MECHANICS BANK (MO)

An item has been furnished to my Consumer Report without my consent on XX/XX/2023. This is an initial notification to Mechanic Bank Auto. Account # XXXX for not providing me with Pursuant 15 USC 6802 ( b ) as a consumer which give me the right to " OPT-OUT ''. They have committed not only fraud but, identity theft on behalf. I was never issued 3 disclosures in regard to any privacy notice of protecting my non-public personal information at consummation. It also violates Gramm-Leach Bliley for failure to safeguard my personal information & negligence on their behalf. Sharing my information with non-affiliated third parties/companies without my consent is identity theft. 
XXXX, XXXX, XXXX are non-affiliated third companies & an invasion of my right to privacy
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (ID)

I paid my mortgage online on XX/XX/XXXX from a saved value within the US Bank online portal. A popup confirmed my payment. I received a letter in early XXXX that payment not received. I called and two representatives reported not receiving payment. Called back and a representative reported she saw my payment on XX/XX/XXXX and that their system canceled it. NO ONE since has admitted to it. I corrected it by paying on XXXX and XXXX on XXXX, due XX/XX/XXXX. I made a reporting to the credit bureaus, US Bank stated I was late and refused to correct, but they did correct the XXXX, but not XXXX or XXXX. I appealed to their credit dispute department, and they stand behind that I was late although I referenced the proof of their representative and name and date and recording number. I again appealed to the credit bureaus, they again denied to fix. I called and the representative stated her computer shows XXXX late, She insisted, but the credit bureaus shows XXXX 30 days late. I received a letter with crazy story about how they are entitled to show XXXX late because they have a late XXXX payment. 
I have again appealed to US Bank. I have now been made aware that US Bank is fully aware they had a technical problem in XXXX that canceled members payments and they tried to adjust for the problem by not make reporting to the credit bureaus in a data dump in XXXX of 30 days late while trying to repair the problem, and only did in XXXX the data dump to credit bureaus of late payments. When they reported in XXXX, it picked up the incorrect data about my late XXXX payment, and I am sure many more, and reported XXXX as more then 30 days past due. 
Never has my account been 30 days past due. 
I am obviously not the only person effected, and they refuse to fix peoples credit reports when reported and lie about the ongoing technical problems. 
They should have fixed the late reports retroactively knowing they had a problem, advised customer service to handle these as priority and repair, instead they continue to keep bad reporting and lie about their faulty technial issues.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-26
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: Fidelity National Information Services, Inc. (FNIS) (NY)

Chex systems has removed an inquiry in the subsection inquires viewed by others after I disputed that they did not have my written aubtorization to furnish this on my consumer report. Now I am asking for a settlement of {$1000.00} for violating FRCA PERMISSIBLE purpose. I have documents when the inquiry was at inquires seen by others to an updated report to the inquiry being removed in the subsection inquires viewed by others. I will be sending a letter of notice of settlement to chexsystems  as well through mail for paper trail just in case this leads further into federal court.
Consumer complaint received 2023-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (PA)

I have a trust account with TD Bank. I requested services for the start up of a business from a company called XXXX XXXX XXXXXXXX. The payment method for each document was paid through XXXX XXXX. The documents was not drafted correctly on numerous occasions. I called to try to resolve this issue with the vendor. I didn't get far at all ; so I reached out to my financial institution. I was provided a provisional credit. Then I was told the decision was made to deny the credit, and the funds would be reversed. The reasoning was I authorized the payment. Each payment I make with my debit card is authorized ; so that's not a valid reason. I called to appeal the decision and was told it's no appeal process. The Provisional credit was just redone. TD Bank just postponed the funds to be taken out on a later date. I have provided TD bank with the documents drafted for me with other people name on them, A text thread from the vendor expressing his negligence with my paperwork, I have sent a XXXX filing statement that was drafted incorrectly etc. My claim was still denied. 

As a depositor with TD bank I hold a irrevocable trust that is insured up to {$250000.00}.
Consumer complaint received 2017-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion had 2 separate glitches and my inquiries were deleted and then re-added to my report once the glitch was discovered. I Informed the person at transunion that this occured and I was not notified in writing 5 days prior to re-adding the inquiries to mynreport that they were intending to do so. I requested that all of the inquiries be deleted for this reason and this reason alone from myTransUnion report but was denied and ignored.
TransUnion 's glitch was an internal problem not mines that caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted and wrote TransUnion in good faith to ask them to delete all the inquiries that they had illegally re-added. these inquiries add a hardship and that my rights were violated by TransUnion. please help me make this right.
Consumer complaint received 2023-02-26
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. (GA)

In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX  account # XXXX and XXXX  account # XXXX  .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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-04-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CT)

XX/XX/XXXX my brother and I purchased a car which we financed through XXXX XXXX. The loan is in both our names and reports on both of our credit reports. Sometime between XX/XX/XXXX and XX/XX/XXXX, we were the victims of identity theft and embezzlement which resulted in our sustaining a major financial loss but also some of our bills not being paid as a result of the person embezzling our funds was not paying our bills. It came to our attention that in order to succeed in this scheme to defraud, the person in question caused to be faxed and or mailed various documents to creditors such as Chrysler Financial which was supposed to give them permission to speak with this person and to make any changes on our account. Chrysler without any care or due diligence accepted letters from this person as well as telephone calls where he said he was us and further made changes to the account resulting in not only the account not being paid but in my brother and me not being notified about any delinquency on the account. This went on for a long time and it was only because we were notified by a family friend at Chrysler that the car was on the verge of being repossessed that we were able to take immediate steps to save the situation. We have registered complaints with the executive office of Chrysler to no avail. We have been able to catch up on the payments and by XX/XX/XXXX will have finally caught up. Given the circumstances, we have petitioned Chrysler on numerous occasions to adjust, amend or otherwise roll back the negative information being reported by them on our credit reports. It is axiomatic to say that had Chrysler not breached our privacy by allowing unchallenged information and records to be changed we would have been alerted to the fact that our account was behind. I view Chrysler complicit in this matter and liable to us for their negligence. Their reporting has ruined our credit and it is worth noting that each and every other creditor similarly positioned went back and adjusted their credit reporting as a courtesy for their failure to engage in due diligence and what has happened to us. A review of our credit will indicate that some of our bills were not paid during this period but most were. We have previously supplied information to the Chrysler Financial executive office however they have ignored us to date.
Consumer complaint received 2023-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc (MI)

Dear Consumer, Financial Protection Bureau, I am writing to file a complaint against Williams and Fudge, a debt collection agency. On XX/XX/2022, I received a phone call from Williams and XXXX, during which they informed me that I did not owe any debt but requested my social security number. A few days later, on XX/XX/2022, Williams and Fudge called me again and claimed that I owed {$5000.00} in debt. 

In response to these calls, on XX/XX/2022, I sent a certified letter to Williams and Fudge denying the debt and requesting verification that the debt is mine. I also requested that they cease all communication with me regarding this debt. 

Despite my request, I have yet to receive verification that the debt is mine. Williams and Fudge has continued to contact me, causing undue stress and harassment.

I believe that Williams and Fudge is in violation of the Fair Debt Collection Practices Act, which requires debt collectors to provide verification of debt when requested. I am therefore filing a complaint with your agency and requesting that you investigate this matter. 

I appreciate your attention to this issue and look forward to a resolution.
Consumer complaint received 2016-06-03
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I had my card shut off and contacted the company. I was told my payments would only be {$55.00} a month and had been paying roughly $ 75 monthly just to help pay a little extra. I started getting letters saying my payment was falling behind and that my minimum payment was {$140.00} which was not the agreement. I then tried several times to contact Capital One and when I spoke to customer service, they were very disrespecful and accused me of lying to them and giving false information. I was told the account number I was providing is not in the system yet I keep getting letters saying I 'm behind on my payments with that account number. I contacted the complaint department that is listed with the company on this site just to receive XXXX messages to call them. I since have called numerous times and never can reach anyone. I have even left a message asking to call me back with no such luck. And now its going against my credit. I have filed with the XXXX and they did n't really help and said with no documentation they could n't do anything even though everything was on a recorded line. 

I have since been in constant contact with Capital one attempting to do everything on my part to get the issue resolved. I have the names, dates and times of everyone I have spoken with. XXXX XXXX ( spelling? ) Is who I have XXXX been in the most contact with. After a month and a half of calls back and forth and being told to make payments he later told me that no matter what I pay my balance would increase and there is nothing they will do to help. 

Also on the photo I uploaded. It only shows online payments made and will not show payments mailed in or made over the phone.
Consumer complaint received 2017-07-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: PNC Bank N.A. (OH)

On X/XX/17 I contacted XXXX and verbally requested ACH debit authorization be removed so that my checking account was not debited. On X/XX/17, {$130.00} was debited from my account without my consent. I contacted customer service who saw that I had contacted them the day prior to remove authorization. They told me my only option was to contact my bank the next day, which I did. Now I have to dispute the payment through normal channels with the bank, meanwhile my checking account was overdrafted, causing important payments not to go through and charging me an overdraft fee.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (LA)

When I went to check my credit, I noticed that I had 3 unfamiliar inquiries on my credit report. I quickly called the XXXX XXXX XXXX, and they confirmed that there had been 2 applications and 1 open account. Then in the mail, later, I found another application that was denied. Someone is trying to get credit cards in my name, and I believe it is my mother or her husband. The places they went to were in the area for where they live. ( around XXXX, TX ) This isn't the first time that this has happened to me either, the same thing happened in XXXX, and I filed a report as well. And then also they had a collections in my name years back. I have the application that was supposedly signed in XXXX, TX XX/XX/XXXX, but I was in XXXX XXXX, taking a flight to XXXX early that morning. This resulted in a bill of collections for {$1300.00}. This is ridiculous. 

Please see below the recent frauds in my name. 
XXXX XX/XX/XXXX- ComenityBank / XXXX- application made in store XX/XX/XXXX - ComenityBank  / XXXX -application made in store XX/XX/XXXX - ComenityBank / XXXX - account opened XX/XX/XXXX XXXX XXXX / XXXX XXXX - Letter in the mail saying my application was denied Also, especially, during the XX/XX/XXXX frauds, I work offshore and could not have been able to go into a store. and the XX/XX/XXXX XXXX, I was just flying back on land to XXXX, LA at around XXXX and took a hotshot to my house through my company. The Comenity Bank representative was able to confirm that the stores were in XXXX, TX and XXXX, TX. I worked with XXXX and XXXX to put a freeze on my account. there has to be something done about these people trying to open credit cards in my name.