davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 15USC 1681. 
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 604 A. 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 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

I previously submitted the following complaint : I applied for one credit card with US Bank on XXXX XXXX, XXXX. The bank ended up submitting 4 credit inquiries on my XXXX  credit report. The dates of the hard inquiries were as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

On XXXX XXXX, I received a response from the Office of the President. I 've attached the letter. In essence, it states that the offending inquiries have been removed. However, this is not true. I ran my most recent XXXX credit report. As of XXXX/XXXX/XXXX, the following inquiries still appear on my report : XXXX XXXX, XXXX XXXX, XXXX XXXX. 

Please remove these inquiries ASAP.
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (FL)

I received a check in the mail from Barclay Card XXXX XXXX stating if i did a balance transfer before XX/XX/XXXX i would get a 1 % transfer fee and 12 months interest free on that balance transfer. So i did it on XX/XX/2017 and it reflects on my statement that it was posted on XX/XX/XXXX. I was charged on my next billing a transfer fee of {$100.00} and a interest fee of {$9.00}. on my next billing i was Charged another interest fee of {$75.00} and a separate interest of 2.93.. I called and complained about it and explained what i had done with the check via mail and was not supposed to be charged all this interest every month. They had no record of the check that was sent by mail as i have to pay interest on the balance transfer. So in XX/XX/XXXX I immediate closed my account with them and paid off the balance including all the interest they have charged me so I would n't have to deal with them any more. they said the complaint would take 7/10 business days. When i called on the XXXX day they said it could take up to 45 days. I want all my money back including my initial balance transfer fee cause i never took advantage of my no interest rate of zero percent for 12 month. I had to pay a fee to another company to transfer my money to them. Oh and this is funny I now got a bill with an interest of {$27.00} for the XX/XX/XXXX statement when I had a zero balance. I have uploaded offer letter and last statement. Due to me not having my account open it wont let me download my other statements. Please help me cause this company is not knowing whats its doing to consumers like me and just taking advantage of us poor people.
Consumer complaint received 2017-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

We refinanced our home in XX/XX/XXXXthrough Capital One. At that time, their appraisal value came in at {$360000.00} done by a XXXX XXXX. We knew it was low, ( we had it appraised earlier that year ), but accepted the terms which included private mortgage insurance, because we are nearing retirement and wanted a lower payment. In late XX/XX/XXXX, we requested to have the PMI removed. InXX/XX/XXXX we received a letter denying our request because the value of our home was now {$430000.00} and it needed to be {$440000.00}. We had gained value but not quite enough. This appraisal was done by a different person. We were given the option to pay the difference. Which brings us to XX/XX/XXXX. We requested to have PMI removed once again because we had increased our payments to pay off the difference needed and we were confident that we would have the value in our home because our area is very popular for families because of the school system. Again, XXXX XXXX came to appraise our home and even commented on the improvements that had been made ( outdoor kitchen, new roof, and granite countertops ). This time his appraisal was {$410000.00}, which is {$22000.00} less than it was 6 months prior by a different company. It needed to be {$420000.00}. I contacted Capital One and after their so-called investigation, they said that nothing could be done. I am not sure of my next course of action, so I am contacting you.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reviewed my Consumer Reports and noticed that I had 3 late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXXXXXX Please investigate and provide, Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2016-04-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (OH)

I have been trying to pay the balance down by paying extra on each payment and sending in a small amount in addition to that. The company is not applying the extra to my principal balance - despite the fact that I am current. When I asked about it they gave me some ridiculous line about the simple interest calculation. It sounds like a corrupt practice and is definitely causing me harm. Additionally, they are not providing me regular statements, sometimes going months between statements ( no XX/XX/XXXX statement ever produced or received, no statements in XX/XX/XXXX or XX/XX/XXXX ) Here 's what they told me : Account : XXXX Thank you for contacting Firstmark Services. 
The interest on your student loan ( s ) is calculated using the daily simple interest method. Your interest accrues at a daily rate based on the principal balance and interest rate of your loan ( s ). 
To calculate how much interest has accrued on your account since your last payment, do the following : 1 ) Multiply the principal balance by the interest rate ( i.e. {$10000.00} x XXXX = {$800.00} ). 
2 ) Divide this amount by XXXX, which is the number of days per year ( i.e. {$800.00} / XXXX = {$2.00} ). 
3 ) Multiply the daily rate by the number of days since your last payment ( i.e. {$2.00} x XXXX = {$10.00} ). 
4 ) This is the amount of interest that has accrued on your account. 
Please note that when a payment is received, it is first applied to any fees ( if applicable ), then to accrued interest, and finally to principal. 
Your previous payment was received XX/XX/XXXX, and your most recent payment was received XX/XX/XXXX. Since 23 days elapsed between payments, {$410.00} of your payment was applied to interest. 
We appreciate the opportunity to serve you as a valued customer. If you have any other questions, please respond to this e-mail or visit our website at XXXX. 
Sincerely, Firstmark Customer Service
Consumer complaint received 2017-09-20
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: ALLY FINANCIAL INC. (FL)

Someone illegally purchased a vehicle with my information and only my first name and changed my last name. They listed me as a cosigner. I realized this was on my report when I pulled it in XXXX XXXX. I filed a police report in XXXX, Alabama for the crime that was committed. I also reached out to the collection agency as well as the original creditor. I have given both the police number as well. I disputed with the credit bureaus and was sent a copy of the signed document in the mail which had a different last name listed for the person who stole my identity.
Consumer complaint received 2017-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

On or about XXXX XXXX, 2017 I applied for a Loan with XXXX XXXX XXXX XXXX. This Company Deposited Cash into my account so I tort. Found out later that it was personal checks by Phone into my account. I wrote TD Bank about this matter and there VP Investigator XXXX XXXX XXXX Replied to me in this matter Sense you gave your infomation to this lender you are held responsible for these checks because It 's your Bank account. " WOW '' Let me brake it down one more time to XXXX in steps 1 ) Cash Deposit is available RIGHT AWAY 2 ) EFT Deposit is available RIGHT AWAY 3 ) Government and Company Checks are held for 2 to 3 Business Days 4 ) Personal Checks are ( HELD AND CHECK TO MAKE SURE THE ISSUING BANK HAVE THE FOUNDS TO COVER WHAT IS WRITTEN ON CHECKS ITS ONLY AFTER THAT THE FOUNDS WILL BE RELEASE INTO YOUR BANK ACCOUNT. With in 5 to 7 Business Days. Confermation # with TDBank is XXXX the amount cease by this Bank is over {$3800.00} Dollars Pluse pain and suffering and the taking my sons XXXX Check
Consumer complaint received 2017-09-20
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. (MA)

My credit information is held by three major companies. Equifax was one such company that has held my records. In XXXX of XXXX thru XXXX of XXXX Equifax servers were compromised and records have been stolen. Checking with Equifax they gave me a vague answer of your records may have been impacted. This is unacceptable, in the healthcare field our records and information MUST be encrypted and can only be transferred back and forth using XXXX XXXX Transfer XXXX. Equifax has held on to my personal information and did not even have basic security set up to prevent information that is stolen from being decrypted. Checking with Equifax they have stated that my information has potentially been compromised. For a resolution I no longer want my information reported to Equifax unless they can effectively demonstrate secure IT and data practices. I am not an IT expert my field is XXXX Compliance but I learned IT basics and implement security at my own home. If any of these three companies is going to hold personal records on me I want data encryption and secure file transfer protocols, up to date IT protocols and up to date cyber security. Instead what I, and anyone else compromised, got was the equivalent of putting my financial information in a sack with a dollar sign on it and walking down XXXXhe street with it to deliver it.
Consumer complaint received 2024-09-28
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. (NJ)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 : 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 informationisinaccurate.
Consumer complaint received 2017-09-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (FL)

After Hurricane Irma, I send my children up North to Maryland. While visiting XXXX, my son ran out of gas money so I wired him {$100.00} via Western Union. At XXXX on XXXX/XXXX/XXXX I sent my son XXXX XXXX {$100.00} via Western Union online services. I received an email shortly after submitting the money transfer request informing me that the transaction was being reviewed. I contacted Western Union. After waiting on hold for nearly 20 minutes, a male answered and reviewed the transaction, they transferred me to Compliance after nearly 10 minutes the call dropped. I called back after waiting another half hour the male representative informed that the account was being reviewed for fraud, I explained that I did not understand. I am sending money to my son and have done so in the past. He stated that he would send Compliance an email to resolve the issue. A couple of hours later I reviewed the status online and it stated that money was ready for pick up. My son located a pick up location after showing his Florida drivers license he was told he it was not available. The time was close to XXXX. I called WU again, again long wait. The male customer service agent stated he would send Compliance a  message, I said no I wanted to speak with them now. My son was without gas in XXXX. He stated that they would call me in less than 1 hour. it was getting close to closing time, WU locations close at XXXX. I called my son and told him to stay put. I called a relative in Maryland to pick him up. They did n't arrive until midnight to pick up my son and I was worried sick. The next day on XXXX/XXXX/XXXX I called WU and asked it money was ready for pick up, same story Compliance needed to verify my information, I was transferred over, call dropped. On XXXX/XXXX/XXXX I called again this time a XXXX told me to hold that he would reach compliance after I demanded a refund of money and fees. He put me on hold for 15 minutes came back and said everything was resolved money was ready for pick up. I had my relative take my son back to XXXX to retrieve {$100.00} because the pickup location was XXXX. Once he arrived in the evening he went to another WU and was told that money was not available. He called western union to verify information. I called and was on hold and then again called again and nothing. I kept getting transferred between foreign speaking individuals that spoke English with a heavy accent. Finally I got fed up and asked my relative to give my son {$100.00} for my son to get back home. on XXXX/XXXX/XXXX, at about XXXX I called WU again and after much waiting I demanded a full refund of {$100.00} and fees for a total of {$110.00}. Male informed that he would send it to appropriate department and that someone would call me within 24 hours, even though I demanded to be called back within 1 hour. 24 hours have come and gone No CALL, NO REFUND!
Consumer complaint received 2017-09-19
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: CORELOGIC INC (FL)

CoreLogic XXXX XXXX XXXX is reporting invalid, and therefore unverifiable information about me to apartment communities and it is impacting my ability to obtain housing. 

I have contacted the two companies they are reporting and each does not have a record of a debt owed to them by me. Furthermore, I have not been evicted from any of the properties on the CoreLogic Report. 

According to my rights under the Fair Credit Reporting Act ( FCRA ), I sent via USPS Certified Mail, two dispute letters demanding to see proof of these debts as required under the FCRA. I also initiated a dispute via phone. CoreLogic has claimed three times that they have verified the debts and they have not removed them from my consumer credit report. CoreLogic has NOT provided me a copy of ANY original documentation required in the FCRA under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA which states you are required to promptly DELETE all information which can not be verified. 

Please assist me is getting CoreLogic to furnish to me the evidence required under the FCRA. I suspect they have no evidence because both companies do not have a debt on record for me. 

The following Public Record items are in question from the consumer credit report CoreLogic has furnished to apartment communities to which I have applied for an apartment : 1. Plaintiff XXXX XXXX Case # XXXX Case # XXXX Case # XXXX XXXX. Plaintiff Original XXXX Case # XXXX CoreLogic Internal Dispute Info : Dispute Type : Phone Report Date : XXXX/XXXX/XXXX Dispute Entry : XXXX Dispute Type : Certified Mail Report Date : XXXX/XXXX/XXXX Dispute Entry : XXXX Dispute Type : Certified Mail Report Date : XXXX/XXXX/XXXX Dispute Entry : XXXX Thank you, XXXX XXXX
Consumer complaint received 2017-02-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Finance System of Toledo, Inc. (OH)

Hello, I have called to speak with Finance System of Toledo on several occasions starting XX/XX/XXXX. During the initial call I spoke with XXXX XXXX and explained to XXXX that an account from XX/XX/XXXX was on my credit report and I am unsure what the account is. XXXX goes on to tell me that the account is paid and what it is from. I explained that I have never received any notification of this account in the past and that I am unaware of the account. XXXX said " No worries he would send over a request to have the account removed from my files '' which it is only listed on XXXX. I called XXXX to let them know they will be receiving notification to remove the account. I called back later that day to double confirm the deletion and a lady representative stated XXXX did send the request and it will be removed. I called again XX/XX/XXXX to confirm again because the account was still listed on my XXXX report and was transferred to XXXX XXXX and he confirms that the request was sent and it would be removed soon. On XX/XX/XXXX I checked my XXXX report and noticed Finance System of Toledo is still listed on my report. I called XXXX and they stated they they never received the request to delete but in fact they received information to keep the account listed and recommend me to contact the agency. I called and was transferred to XXXX XXXX and explained the situation again. This time he stated that he sent information stating the account was paid. I explained the account was already listed as paid so that request would n't have been requested and reminded him that he stated he was sending a request to delete the account. XXXX says " oh yes that request was sent and I will have our department resend it ''. I called XXXX to update them on what was stated. I then call Finance System of Toledo to confirm this " special department '' that handles deletions and the female rep stated there is no such department. I explained I am very confused and quite irritated with the lies XXXX XXXX and the other reps that confirmed this deletion. I asked to speak with a Supervisor. No Supervisor was available so I left a message for a XXXX. XXXX returned my call at XXXX EST on XX/XX/XXXX and stated she does not see any notes from any of the reps I spoke with and she would need to look further into the issue because she has no call history for me. I am done with getting the runaway from Finance System of Toledo and am willing to take the proper legal steps if the account is not removed.
Consumer complaint received 2016-05-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WA)

Navient has been telephonically contacting and mailing letters especially a letter that indicates regarding negative information on my credit report which may make it difficult for me to obtain future credit including auto loans, additional education loans, home loans and even credit cards. Apparently, I tried to refinance my condo, but Navient affected and damaged my credit rating. I am XXXX, XXXX veteran, and on a fixed income. I am a cosigner for my daughter 's college loans and she has not graduated yet. Navient is very unfair and reported me to the credit bureau. I used to have good credit ratings, but Navient damaged it only to intentionally prevent me from obtaining other loans.