davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
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. (FL)

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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX 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 2017-06-06
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: Experian Information Solutions Inc. (FL)

The specific problem is that via XXXX XXXX & Experian XXXXs XXXX XXXX scoring methodology, I saw my credit score drop from XXXX to XXXX in a very short period of 2 weeks, and when I called and spoke to a XXXX XXXX rep, she explained the scores are tabulated via a computer program & nothing else could be done to address this. The problem I have is that this score drop ( XXXX XXXX 2017 score XXXX ; XXXX XXXX 2017 XXXX ; XXXX XXXX 2017 score XXXX ) is enormous and impacts my score dramatically because I do 'not ' have enough credit usage, but I am a very responsible individual and consumer and do n't need additional credit, yet my credit gets crushed so fast and very much to the downside because I do n't have enough credit cards? This type of new score for me not potentially ruins my ability to get a good home loan if I look into purchasing and financing a home, which is a big concern for me. Please either explain why the reporting agencies can drop the score of an excellent credit & paying consumer 'only ' because they did not have enough credit usage or help me ( and others like myself ) address this problem of scoring/reporting the credit agencies currently have so we are not so severely punished for having too little credit. This is truly disappointing for me. Sincerely, XXXX XXXX
Consumer complaint received 2017-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (NY)

I made purchases for collectible coins with the  XXXX   XXXX  totaling {$7200.00} in  XXXX   2017 on m y  Fidelity Rewards Visa Signature c redit card which offers 2 % reward points. When I noticed that I did not get the rewards points, I called them and inquired. They said purchases from the  XXXX   XXXX  is a cash transaction and not a qualifying purchase. I explained that I purchased collectible coins rather than currency. The representative said she understands but there is nothing that she can do.
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Trans Union  are n't aware that you must enforce the permissible purpose provisions of the fair credit reporting act and see to me that the inclusion of these inquiries complies with this federal law or remove it.  <P/>  Tran uni on or the issues did not remove the inquiry and follow through with federal law.
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (TX)

I have contacted Experian, XXXX and XXXX on several occassion twice in XXXX 2017 unsure of the dates but I also sent out certified mailings to each crediting reporting agency on XX/XX/17 also again on XX/XX/17 via regular mail concerning several bankruptcies on my credit report .. Case numbers.XXXX Case number XXXX and case number XXXX ( see attached ). I also sent emails to the CEO of each reporting agency, in which they had a regular rep call me in their stating to tell me that the items were verfied.. On XX/XX/17 I received and email from XXXX Execective office wanting to know a time to call me. I advise I would on talk thrug email but they refuse to email back, but a rep named XXXX called me later that day and stated that the items were verified when I asked her for proof she told me to call the courts, that she did n't have any verfiying information also on today a rep from Experian by the name of XXXX called me from telephone number XXXX and also say that the items were verfied I aske how and he said throug a third party I asked whou he then said there are several so After I 've explain to each them that I 've spoken to XXXX at telephone number XXXX with the Missouri Bankrupcy courts and she was unable to find any records that I had filed bankrupcy on my file because I never have. I also called the XXXX XXXX the attorney that I inquired about the information and he stated that he never released nor verfied any information to anyone not even a third party. Because of a previous idenity theft all of my accounts and third party account XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX therefore my personal information can NEVER BE VERFIED. This information is damaging my ability to purchase a home and my credit worthiness. These reps are wanting me to suboenia inaccurate information that affect my life as well as the livelyhood of my children.
Consumer complaint received 2017-06-06
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. (TN)

Equifax is incorrectly reporting an account under the name " XXXX XXXX '' for the amount of {$17000.00} to my credit. The account number on my report is " XXXX '' with an open date of XX/XX/XXXX. I have never made business with this bank so I do n't understand why such a large past due amount is being reported on my Equifax file. I have filed disputes since XX/XX/XXXX to get this account deleted but Equifax has disregarded my disputes as frivolous and turned them away. I do n't understand how this is possible. XXXX and XXXX are not even reporting this information to my credit so this does not make any sense. In one of Equifax 's letters, a contact number was provided for this bank so I have called and spoken to their representatives more than once. My personal information does not match the details they have for the account. Something is clearly wrong and I need this to be addressed immediately.
Consumer complaint received 2017-06-06
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. (FL)

The specific problem is that via   XXXX   XXXX   &   XXXX   XXXX   XXXX    3.0 scoring methodology, I saw my credit score drop from  XXXX  to   XXXX    in a very short period of 2 weeks, and when I called and spoke to a   XXXX   XXXX   rep, she explained the scores are tabulated via a computer program & nothing else could be done to address this. The problem I have is that this score drop (   XXXX   XXXX   XXXX   score   XXXX   ;   XXXX   XXXX   XXXX  7  XXXX  ;   XXXX   XXXX   XXXX   score  XXXX  ) is enormous and impacts my score dramatically because I do 'not ' have enough credit usage, but I am a very responsible individual and consumer and do n't need additional credit, yet my credit gets crushed so fast and very much to the downside because I do n't have enough credit cards? This type of new score for me not potentially ruins my ability to get a good home loan if I look into purchasing and financing a home, which is a big concern for me. Please either explain why the reporting agencies can drop the score of an excellent credit & paying consumer 'only ' because they did not have enough credit usage or help me ( and others like myself ) address this problem of scoring/reporting the credit agencies currently have so we are not so severely punished for having too little credit. This is truly disappointing for me. Sincerely,   XXXX   XXXX
Consumer complaint received 2017-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

My mortgage got switched over to Caliber home loans Inc. Mortgage Services as per XXXX 2016. I 've had nothing but problems with them. I have owned my house for 14 years and have had nothing but problems before and after they acquired my mortgage account.I have called them had spoken to costumer service they stated they do what they want not what I want and at the end of my inquire they ask me if there is anything else they can help me with, leaving me speechless. They do record the conversations and I do recall my conversations with them. Not applying funds on time, not complying with my request of payment history, annual report and all the activities recorded included late fees, attorneys fees applied to my account. Caliber Home Loan Inc. Mortgage Servicing refused to answer my question pertaining to my account. Caliber have refused to answer to my correspondence with inquiry pertaining with a double dipping payment caliber home loan is getting paid twice for the same negative escrow balance, not applying funds, submitting false allegation of missing regular monthly mortgage payments to chapter XXXX  trustee for missing payments modification. It 's like they want possession of my home.Problems : Service issuesBilling collecting issuesCostumer Service issues
Consumer complaint received 2017-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC (NC)

This involves a company called "  XXXX  '' concerning the lease of a bed mattress. I paid on this account for months, contacted  XXXX  on what I owed to have the account paid off and they told me {$730.00}. I made arrangements to pay off the balance, however, they never took the payment. I have paid way over the amount of the cost of the mattress and they are asking for {$1500.00} for payment!!!
Consumer complaint received 2017-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

MY NAME IS  XXXX   XXXX  I HAVE AN CHECKING ACCOUNT WITH BANK OF AMERICA WHICH MY ATM CARD WAS FRAUDULENT USED ON THE  XXXX  OF  XXXX    XXXX   WHERE SOMEONE WHO 'S NOT AUTHORIZED USED MY CARD FOR OVER {$6000.00} WHICH BANK OF AMERICA LET WENT THROUGH BEFORE BLOCKING MY ATM CARD I GOT A TEXT MESSAGE FROM BANK OF AMERICA ABOUT THE FRAUDULENT ACTIVITIES, SO I FILE A DISPUTE AND ALWAYS REPORT TO THE POLICE I GOT A POLICE REPORT WHICH I I FAX TO BANK OF AMERICA, BUT BANK OF AMERICA DENIED MY CLAIMS AND TOLD ME I NEEDS TO GO INVESTIGATE THE CASE WITH THE POLICE WHEN I WENT BACK TO THE POLICE THEY SAID BANK OF AMERICA IS RESPONSIBLE FOR MY MONEY THEY ONLY WRITE POLICE REPORT AND BANK OF AMERICA REFUSE TO PURSUE MY CLAIMS STATING THAT I TOLD THEM I HAD THE CARD IN MY POSITION WHEN THE ACTIVITIES HAPPEN WHICH I DID NOT SO KNOW I DO N'T KNOW WHAT TO DO, SO THAT 'S WHY I WANT TO KNOW IF YOU CAN HELP ME, YOU CAN CONTACT ME FOR ANY MORE QUESTIONS AT  XXXX  OR EMAIL AT  XXXX  XXXX  XXXX
Consumer complaint received 2017-06-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (NC)

On   XXXX   XXXX   XXXX     I have the documentation from the title company stating the release of mortgage and the payoff amount of {$32000.00} to  Ocwen loan servicin g the title company was   XXXX   XXXX   XXXX    XXXX  New Hampshire since then every month  Ocwen loan s ervicing has reported a delinquent or non payment to my credit report even though they have been paid off in full and the house has been sold for a year in addition for a month afterwards they attempted to take money out of my bank account even though they had been paid in full and the house was sold
Consumer complaint received 2017-06-06
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. (CO)

The credit bureau is reporting a bankruptcy on my credit report. The bankruptcy courts told me that they do not verify that information to the credit bureaus. The bankruptcy on my credit report was pulled from a third-party reporting agency, therefore it needs to be deleted. Once it 's deleted, I want proof that it has been deleted off my credit reports.
Consumer complaint received 2017-07-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

XXXX   XXXX   Account #  XXXX  I borrowed {$3500.00} in  XXXX  I started paying in   XXXX   I have paid a total of {$5600.00} according to their records as of XX/XX/XXXX  I still owe Total Current Balance : {$2400.00}. Something is not adding up.
Consumer complaint received 2017-06-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Caneel Capital, LLC (WA)

I have been working on a short sale for almost 2 years. The first lien holder is  XXXX   XXXX  and they have given several approvals but  Trinity is the 2nd li en holder and they would never cooperate. They wanted it to go to foreclosure. After several attempts to get them to work with us, I tried to reach management and they would never reply to any of my messages or requests. I received a letter fro m Trinity ( attached ) d ated  XXXX   XXXX     2017  stating that my loan was being transferred to  XXXX  on  XXXX   XXXX ,  2017 . As of Today  XXXX   XXXX   2017 ,  XXXX  still has no documents transferred and I have made several attempts to get trinity to look into this. I now have a foreclosure date with the first lien holder and an approval letter stating I can close at the end of  XXXX  if I can get 2nd lien holders approval on the short sale. I can not work on the short sale as it still has not been transferred to  XXXX . I am afraid that  Trinity  is going to blow my chance of getting my short sale through.
Consumer complaint received 2017-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

XXXX XXXX XXXX I was informed by email that my bank had excessive ATM withdrawal and Check deposits. They needed to call me and talk. ( ( Mind you all this happened in a time frame that I was sleeping and not realizing what was going on. ) ) When I called I was asked about it all and of course I was shocked.
<P/>
Not only had someone gotten into my bank account, but they had also deposited a check and taken part of that.
I get the scams. I 've read up on them now, and I can see why USAA would accuse me.
But after years of being with them and never having this happen ... Its crazy.
I am living in XXXX and the situation happened in XXXX. It physically, within the time I was seen here and when it happened, could not happen.
I was in church Sunday from XXXX XXXX XXXX, and saw my XXXX XXXX at XXXX on Monday, and I was at work by XXXX XXXX Tuesday morning. By XXXX XXXX that Tuesday I was headed to the VA office.
<P/>
I most certainly can get written statements from everyone if they want that.
<P/>
I did n't do this. I would never drain my account and scam myself. I do n't even have anything to do with XXXX XXXX. I 'm not that XXXX, nor did I need money.
I have great credit and not only take that seriously but I have always had a clean account and good standing with USAA.
<P/>
At first they flat out asked me if I deposited a check for that amount.
I was so frustrated and humiliated by it I actually took offence to it.
They said Id be responsible for the Fraud check balance. ok ....?
I NEVER ERCIEVED A CHECK!! I never even had a check in my hands. Someone else did all this and I 'm getting blamed. Its one of those freak incidents and yeah I 'm just as baffled by it.
Again they did n't and do n't believe me or get it.
<P/>
Today is XXXX XXXX XXXX and I got an email, ( no call or anything personal to let you now they actually tried ), and I was being held responsible for every penny. XXXX dollars.
So everything they had credited to my account considering what happened, they say they 're taking back. Not only the scammed check, but every penny that was mine.
Everything to my name.
Someone scammed me, and the bank is telling me I did it. I 'm left penniless and I 'm scared.
So if it happens again, I 'll get blamed. Again.
Do you think I want to keep banking with them after this?
Consumer complaint received 2017-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (NC)

BullCity financial is verifying a debt to the  XXXX  major credit reporting agencies which was a result of identity fraud. I have disputed the debt several times, have sent letters, and made calls and I have yet to resolve this matter. I have a police report on file and sent them to the bureaus and the creditor yet they disregard and continue to cause me damages and harm my credit rating for something I 'm not responsible for. Seeking assistance from you to mediate and hopefully resolve this issue quickly and professionally.
Consumer complaint received 2017-06-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (MI)

My daughter and I jointly signed a lease for a  XXXX   XXXX   XXXX  fro m Ally Financial.   <P/> At the end of the lease there was a charge for excess wear. While I did not dispute some damage, I felt the charge for repair was excessive. I had ab  out three calls with Ally to discuss this.
<P/>  On  XXXX / XXXX / 17  I spoke with Ally regarding the dispute. I said I would be willing to settle for half of the {$290.00} charge or {$140.00}. The representative agreed and requested an immediate payment of that amount. I agreed and gave them bank account information to debit my account which they did. I consider the matter closed.  <P/> I then received a letter from Ally dated  XXXX / XXXX /17 ( pag e 2 of atta ched ) requested payment of a balance of {$150.0 0} ( original amount of {$290.00} less a {$7.00} processing fee and {$140.00} applied to the claim ). Ally had applied what I agreed to as a settlemnent in full as a half payment. That is not what I agreed to.   <P/> When I called them to discuss, they claimed they do not settle for less than full payment and denied their representative would agree to such.  <P/> I have decided to pay the balance to protect my credit but beleive their collection activity was clearly fraudulent.
Consumer complaint received 2017-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

After solving this problem several times now it is occurring again. On  XXXX / XXXX / 2017  I made a purchase that left a {$2.00} balance. On  XXXX / XXXX /   2017  I deposited {$80.00} then {$220.00} from  XXXX . However in stead of depositing monies to my account I was charged late fees of {$37.00} twice, with my {$80.00} never being credited to my account as of today b y Huntington bank. Also just on my account there is n't any direct email or chat room access when everyone  else has those access.
Consumer complaint received 2017-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, 2017, XXXX should down my AmexCard within minutes stating someone made a purchase at XXXX. I have not been able to get access to my account online or through the telephone. They have illegally charged me late fees and interested. I contacted Mr. XXXX XXXX and over ten ( 10 ) through faxes and he has never responded. To this date, I am unable to gain access to my account. They have intentionally ruined my credit. I did nothing wrong. I have a XXXX balance except for their illegal fees and late charges. They have ruined my credit reporting me late which is untrue as I am unable to even gain access to my account. They closed my account. I have never received any statements for the last three ( 3 ) months. Again, they have violated my rights. I can not even view my account online. I do not have any valid credit cards from them that are operative. Please investigate and fine them for their illegal behavior.
Consumer complaint received 2017-06-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NJ)

In XXXX 2016 I renewed my rate reduction program with Navient. The agreed upon amount was {$700.00} to come out of my account automatically in the XXXX of every month ( with the exception of XXXX which would be the XXXX ). The amount has come out of my account as it was supposed to. However, they continue to call me 5-10 times per day and my XXXX year old grandmother. They call and harass and threaten my grandmother telling her I am not on automatic payments and she needs to pay them {$700.00} immediately. My grandmom then thinks she is going to lose her house or something. I call them to ask where the {$700.00} is going every month if it is not going towards my account. I am then placed on hold for an extended amount of time. If they are calling harassing people should n't they know the reason they are calling. After over 30 minutes on hold I am finally told that they can see that I set up the rate reduction in XX/XX/XXXX and that the deductions are in deed coming out of my account, but there was an error with their processing department. I then asked so why are you calling myself and my over XXXX year old grandmother causing her stress if it 's a problem only you can fix. I was told it 's because she is the consigner. I then stated but this is a problem you said only your processing department can fix, so once again why are we even being called. I was told because no one noticed the problem. I would think before they started calling people 5-10 times a day they would know why they were calling them in the first place..