davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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: WELLS FARGO & COMPANY (MS)

On XX/XX/2022 I went to a XXXX  XXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app?
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Consumer complaint received 2019-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

In XXXX of XXXX I requested a due date change from my loan servicer XXXX XXXX XXXX. In the course of processing the due date change they also recalculated my income driven repayment plan. Not only should they not have recalculated my income driven repayment plan, but they also recalculated it incorrectly, so my monthly payment nearly doubled and my wife 's payment nearly tripled. I have spoken two different XXXX XXXX supervisors who have admitted that this mistake was made by them, but nothing has been done to correct this mistake. My wife had to request a forbearance, because we could not afford our loan payment that was under {$500.00} a month combined, but jumped to over {$1200.00} combined after the XXXX XXXX mistake. Both my wife and I are public school educators and we are seeking public service loan forgiveness. But since we can not make payments because they XXXX XXXX error has made payments unaffordable, my wife has now missed out on 6 months of loan forgiveness and I have missed out on two months of loan forgiveness. I contacted XXXX XXXX in XXXX of XXXX and I was told to submit re-certification paperwork, and I did this only to find out that I needed a recalculation, not a re-certification. I spoke to a XXXX ( Id # XXXX ) on XX/XX/XXXX and she informed me that a recalculation would be complete by XX/XX/XXXX. On XX/XX/XXXX I spoke to XXXX ( # XXXX ), XXXX ( # XXXX ) and XXXX ( # XXXX ), and I was assured that my issue would be " expedited '' and everything would be corrected. This still has not been done as of today, XX/XX/XXXX. I am not being permitted to participate in the Income Driven Payment plan that I am eligible for because XXXX XXXX refuses to correct the mistake that they made in XXXX of XXXX. It has been six months and I can not get XXXX XXXX to do anything, and I need outside help with this.
Consumer complaint received 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC. (CA)

It has come to my attention that my Federal rights and protections have been trespassed upon and violated by Homebridge Financial Services Inc. In XXXX of 2023 I, XXXX XXXX wanted to purchase a new home so I extended my credit by placing my Social Security number on a credit application provided by Homebridge Financial Services. After doing so, the application has now become a financial asset and negotiable instrument due to my security interest in the document. My loan officer XXXX XXXX notified me a few days later that I was denied my home because my credit history was too thin. I explained to XXXX XXXX that the decision appears to be discriminatory and the Equal Credit Opportunity Act provides federal protection from such discrimination. XXXX XXXX told me to fix my credit and then I can buy a home. I felt a nauseous feeling like I was sick because my children need a new home. Im asking the CFPB to report this discrimination and defamation of character committed by Homebridge Financial Services Inc.
Consumer complaint received 2023-03-09
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. (NY)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 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 2023-03-04
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. (FL)

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately in XXXX. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation not false copies ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, i have the paper trail where you stated the method of verification as required under Section 611 ( a ) ( 7 ) " you contacted only the furnishers only ''. which means you conducted an incomplete investigation because According to the FCRA Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. according to the FCRA 15 USC 1681 XXXX, XXXX, XXXX MUST DELETE ACCOUNTS MENTIONED BELLOW no later than 4 business days after ; 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
Consumer complaint received 2024-10-31
Product: Credit reporting 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 of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 2023-03-07
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. (AR)

Around XX/XX/2023 my bank That I had a checking Account with was Closed due to Suspicious Activity which resulted in XXXX XXXX XXXX Reversing a payment or part of a payment around the Amount of {$300.00}. Instead Of the Lender Reaching out to me and informing me, I discovered the incident while trying to Pre-qualify for a home loan. The lender Did not Send a delinquency notice By Mail, Email, or attempt to collect By Telephone. The incident caused my credit scores to plummet. I believe when such incidents as such occurs it should be The lenders responsibility to Reach out to the consumer to resolve the matter before making negative remarks. This reversal occurred around 45 days after the payment of {$440.00} was made. My personal Banking Institution Returned the funds reversed By XXXX to A new Checking account and If the lender had taken proper Protocol and procedure I could have taken the opportunity to correct the adverse action. However they took it at their own liberty to Report the loan deficient. They did not make any contact with me to inform or allow me the chance to correct the discrepancy causing me to Be Denied of Obtaining A mortgage Pre-approval. The original payment was made and they made the decision to reverse the payment. Without informing me of that, and allowing me to remake that payment to stay current. This affected me and caused me to have to request An loan extension which couldve been used some other time of hardship to become current on the loan
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (LA)

I got a XXXX XXXX XXXX card to use at the XXXX XXXX XXXX XXXX in XXXX XXXX, however they closed without any notice to members are even to workers. I use to pay in the store and had great use for the card at that store, however I ended up losing my job on last year and unable to make payment. I tried making payments online and my account has been sent to a collection agency by XXXX 's XXXX named XXXX XXXX. XXXX XXXX XXXX never notified me of this information. I received a letter today from XXXX XXXX. I think that it is unfair to me that I never had the opportunity to work any type of payment plan and was not notified by XXXX XXXX XXXX. I only got the card because of one location that I used in XXXX however it is closed. XXXX XXXX XXXX did not hold its end to my credit card agreement with notification of services and limited services in my city.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (FL)

, XXXX XXXX XXXX, do not agree with the report of the late payment that is the only one I have in my entire credit life and I am sure that it is an error in the XXXX XXXX insured card with account number XXXX. I request a state where it shows that overdue payment so I do not recognize it and see if it is wrong that it is reported in different months
Consumer complaint received 2019-03-09
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: LEXISNEXIS (OH)

I have some addresses on my file that do not belong to me I am a victim of ID theft and I need these addresses removed they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (CO)

Key Bank opened duplicate checking and savings accounts in my name in XXXX of 2022 as well as incentivized me to open the accounts with a promise of {$300.00} if I set up direct deposit. To date the {$300.00} incentive has not been received and only the duplicate checking account was deleted. I still have XXXX active savings accounts despite bringing this to the attention of XXXX customer service associates and the bank branch manager. I have been requesting and following up on the status of my {$300.00} marketing incentive that was due to me no later than XXXX. It is now XXXX and the bank branch was initially unresponsive until I contacted their corporate headquarters. I now have a Supervisor with corporate following up as of last week however, as of this week my {$300.00} incentive has still not been deposited to my account. In addition to these errors, my accounts were opened with a misspelling of my name and wrong birthdate used resulting in a fraud alert freezing my account. These errors were resolved after XXXX in-person trips to the bank branch, multiple emails and phone calls. Lastly, I wrote a check in XXXX that was made out for {$950.00}. Rather than release {$950.00} from my account, my check was only cashed for {$150.00}. Well over a month passed before this error was identified and my account was randomly overdrawn for the difference of {$800.00} with no communication with me as to why this error was made and how they intended to correct it which I believe violates some sort of regulation with timely corrections to erroneous withdrawals.
Consumer complaint received 2023-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

In accordance with the Fair Credit Reporting Act ( CREDIT COLLECTION SERV ) ( 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, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

Back in XX/XX/2022 the company My BJs Perks World Mastercard though Comenity Capital Bank. Had some issue with an update their company did and I had some fraud charges on my account. 

Also Because of the update they were not able to send me a replacement card. 

Eventually I got the fraudulent charges fixed and asked them to fix my credit report but that did not happen then around XXXX they were completely taken off my credit report which hurt my score over XXXX points. 

I tried to apply for a new card and got denied because It showed I still had credit with them which I still have not received a new card. 

They hurt my credit and caused a lot of stress.
Consumer complaint received 2023-03-06
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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
Consumer complaint received 2023-02-28
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. (NY)

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 u.s.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 15 u.s.c. 1681 section 602 A. states i have the right to privacy.

15 u.s.c. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without 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 otheradverse 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 informationrelating 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 2019-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Accounts : XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX   XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX  XXXX {$870.00} XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$44.00} XXXX XXXX XXXX XXXX XXXX XXXX {$42.00} XXXX XXXX XXXX XXXX IN XXXX {$44.00} XXXX XXXX XXXXXXXX XXXX XXXX  XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$490.00} I believe this is a bank account I did not open!!!
Consumer complaint received 2019-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RSI Enterprises, Inc. (NC)

I received a written notification from RSI Enterprises , Inc. dated XX/XX/XXXX for " DC Office of Tax and Revenue ( OTR ) -Past Due Account ''. The letter includes my personal information and Tax Account Number, as well as the following : Tax Type : Individual Tax Period End Date : XX/XX/XXXX Principal Amount Due : {$670.00} Interest Due : {$380.00} Penalties Due : {$290.00} Total Amount Due : {$1300.00} The letter only states that " this tax liability has been assigned to RSI Enterprises , Inc. by the District of Columbia, Office of Tax and Revenue, for collection. '' It then states that I owe the above total amount, plus additional interest, charges and late fees, with ZERO information as to what this past due fee pertains to. There is no information regarding my option to dispute this claim, and only instructs to submit payment to the debt collector agency. I have lived in North Carolina since XXXX, and have no idea where this is coming from. I have the right to know what " debt '' I'm paying before blindly sending a lot of money I don't have to a debt collector. Of further frustration, I guess I will have to collect " additional debt '' in the form of late fees for every day I have to wait to receive more information. I hate how people are put in this situation when I've genuinely never avoided paying taxes, and get hit with a surprise like this with no chance to understand or plead my case. Hoping someone can help. Thank you!