davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-18
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (NC)

I run a XXXX and we have had multiple issues with suntrust bank. Our XXXX as a result of its intrinsic natural does nothing operate even keel through out each month. We will have a $ XXXX check one day and a XXXX check another. Over 13 times suntrust bank holds a check from one of our customers for up to 7 to 10 days while this is understood to be part of the antiquated bank regulations from XX/XX/XXXX. It is devastating to our small business. A XXXX dollar check was deposited on Wednesday XX/XX/XXXX. We where told that the bank put a hold on it on Friday XX/XX/2016. And told that we could pick up the money Wednesday morning XX/XX/2016. I went this morning the XXXX of XXXX to pick up our money and it was still not available. I checked with the customer to see if the money was removed from her account and it was on Friday XX/XX/XXXX. I was also told that they would not give me cash they would only give me a certified check. Which will but put on hold as soon as I put open a new account. I also no longer trust Suntrust to produce a note of legal tender. I do n't trust that they actually have the money. This puts undo XXXX and my family as this is our only income. This XXXX is the key to open up almost XXXX in material and work for our company. We have missed some opportunities that would have allowed our business to make even more money than that in these past 7 days. My belief is that suntrust and possibly other banks removes the money for the payee 's account, uses this money to collect interest and make more money stating the banking regulations as the reason. Then clears the money verifies the check and then that money goes to the receivers account. Once there it stays on hold while that bank uses that money to make money before allowing it to show up in the account. In my mind and in my belief that is laundering. Using XXXX of consumers money to make XXXX worth of interest between banks. In that I think it is possible that just like the mortgage industry bubble popped eventually this will also be a bubble that pops. Interest on money even over 7 days over multiple accounts is a lot of money being made on the illusion of funds not actual funds. It is my belief and concern that all banking customers are headed for a rude awaking When we all find out that our banks do n't actually have any of our dollars.
Consumer complaint received 2024-08-02
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. (NC)

I am aware of all rights that I have and which are protected by Congress under the Fair Credit Reporting Act these accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 section 602 A., which states I have the right privacy.

and 15U.S.C. 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 

I attempted to file a police report, but I was informed by XXXX XXXX that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. 

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 


FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Consumer complaint received 2016-05-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (TX)

This property has sat unoccupied and with little maintenance by the Owner/Property Manager for a year. The Association has had to take over landscape maintenance and has spent countless hours trying to contact the property manager asking them to maintain the property to little/no avail. The Association has incurred a substantial amount of fees as the result of the lack of maintenance on this property which likely we will not recoup. Surrounding properties have filed multiple complaints with us as well as the property management company. Surrounding property owners have commented that the appearance of this property has detracted from the value of their property.
Consumer complaint received 2016-05-18
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (MO)

Fed Loan Servicing My forbearance ended without my knowledge. I was not made aware PRIOR to the forbearance ending. They communicate through their internal website email, not through my personal email address. They will send a notification email ( sometimes ) to my personal email to state I have an email in their internal website email system. 
Fed Loan Servicing did not contact me through calls, emails to my personal email, nor physical mail. I asked for all communication to be electronic, but once the forbearance ended abruptly, I would think that Fed Loan Servicer would communicate with ALL other forms of communication to avoid late payments. 
Then, they reported to all three credit bureaus, that I am 90 days late as their First reporting. I have called to make payment arrangements, but they have NO tolerance or lower repayment structures for me because they state my income is " too high ''. They do not take anything else in account except the income ... .not family size, debt to income ratio, or any other circumstances. So, I still ca n't pay the loans. 
I asked for a print out of the communication that they state they made during this time-frame. They will not supply it. The communication they claim they made was all AFTER the forbearance ended abruptly.
Consumer complaint received 2016-05-18
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CO)

This is a follow-up to Case Number XXXX. 
I spoke just now with a customer service representative with American Express, in response to an email requesting that I call. 

The issue ( AGAIN ) was the amount allegedly due on my Amex Blue CASH card, now cancelled by Amex. I explained ( AGAIN ) about the XXXX proofs of payment I mailed in XXXX XXXX and again in XXXX XXXX. I told her the results of the XXXX investigation : " everything is fine. You may use your card. '' I made a charge in XX/XX/XXXX. In XX/XX/XXXX, proving that I had been able to use my credit card because the question about the missing payment from XX/XX/XXXX had been resolved. 

The customer service representative told me : 1. " There are no notes in your file about any investigation. There are no case numbers, no dates of investigations. '' 2. " According to your file, you have not made a payment on this account since XX/XX/XXXX. '' 3. " There are no notes in your file about any refund check. '' I am completely outraged by the incompetence of American Express. They have the nerve to harass me about a grossly overdue payment, but have erased all evidence of the investigations and the documents I submitted for XXXX investigations. 

I should not be made to suffer because of their incompetence.
Consumer complaint received 2016-05-18
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Timothy C. Runyan, P.C. (MI)

I went to XXXX in XX/XX/XXXX with a XXXX debt.a firm purchased it and sued me while in XXXX.I was given something to sign by a guard.was n't given a chance to read it, ask questions or anything.did n't receive a copy.only legal advice I got was guard saying it would n't matter by the time I got out.when I got out in XX/XX/XXXX.I got a job and suddenly my wages are garnished.me nor anyone else had any idea that firm had been charging twelve percent interest the whole time.no attempt was made to inform anyone of anything.I panicked at the garnishment and made a deal for weekly payments.I 've been paying every since.they 've collected twice the original amount and I still owe.I feel the way they handled the situation was sneaky, underhanded and just wrong.it 's hard enough for an ex felon to make a living without this.I need insurance, dentures, my kids need help but any money I have is going to the firm
Consumer complaint received 2016-05-18
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I ended my lease with Infiniti XX/XX/2016 through a trade into XXXX. XXXX paid off my final 4 payments and disposition fee for a total of {$2000.00} on XXXX/XXXX/2016. This included 4 payments@XXXX for XXXX - XXXX 2016 and a disposition fee of {$390.00}. I had ACH on this loan and additional payments drafted on XXXX & XXXX as I did not cancel the ACH to avoid any potential credit issues if XXXX did XXXX close my lease on time. I contacted Infiniti in XXXX to see what the hold up was with ending my lease and to seek a refund for the 2 additional payments tha were drafted after the time of XXXX being paid off by XXXX. I was told I needed to remit a final odomometer reading statement to close out my account. This was faxed on XXXX/XXXX/16 & XXXX/XXXX/16. I called several other times within XXXX to XXXX to seek my refund and was advised that it could take XXXX weeks to generate an end of lease lyability statement. I once again called XX/XX/XXXX to seek the refund and was advised that the end of lease statement will be expedited to a Manager as it should have generated by now and I was assured it would be completed by XXXX XXXX. I call again on XXXX XXXX as no such letter has yet been generated. I spoke with another Manager who advised they will seek my refund and try to expedite the letter. As of XX/XX/XXXX still no letter available and no refund received. I was assured by the Manager that they will call me back with an update on XXXX and no call was received. The car was returned over 3 months ago and yet I still do not have a refund for my 2 payments that were overpaid as well as anything else that Infiniti may owe me. Please look into this and help me obtain my refund plus any additional recourse tat I may have against Infiniti. I was a loyal customer of Infiniti for over 10 years and leased XXXX vehicles through them and would have expected to be treated more fair.
Consumer complaint received 2016-05-18
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Santander Consumer USA Holdings Inc. (TX)

I called Santander on XXXX/XXXX/2016 auto loan company and ask them to come and pick up my car, I no longer can afford the payments, I gave them my address of where the car is, which is my home address for over XXXX years and to please call before they come to the house so I can open my gates. But instead they sent an text blast to my past employer including all my friends and family. People called me because they thought I was in trouble with the law This was very embarrasing because this is my personal business information and this is predatory collection practices. SEE STATEMENT BELOW : " Hello, I am trying to reach XXXX XXXX. Please contact me today regarding file # XXXX. Thank you, Investigator XXXX XXXX ( XXXX ) XXXX. ''
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-05-20
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: Experian Information Solutions Inc. (KS)

I have a disputed debt with  XXXX  financial that appears on my Experian Credit Report. After disputing the debt with the collection agency directly, they did not remove the account or mark it as disputed. Instead they referred the account to an attorney to attempted to use removing the credit trade line as a means of getting me to sign away my rights under the Fair Credit Reporting Act. Regardless of this,  XXXX  is willing to delete the tradeline in exchange for a release of your claims. Please let me know if you will accept this offer. Sincerely,  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX  After receipt of this e-mail I spoke with  XXXX   XXXX , managing partner of the firm who stated that offering to delete tradelines is a common practice their firm uses to avoid litigation provided the litigant agrees not to sue their client. This is complete abuse of the credit bureaus, inaccurate reporting and holding credit reportin g hostage under the FCRA, and blatant violation of the terms and conditions of credit reporting.
Consumer complaint received 2017-05-20
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX   has been removing positive credit accounts from my credit report for the past several months and has been refusing to reinstate those accounts back onto my credit report. With this negligence it has co st my credit score t o plummet substantially. They have as of today  XXXX    XXXX ,2017  removed my  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , Capital One,    XXXX   XXXX   ,   XXXX   XXXX  is reporting as a defaulted student loan even though it is a credit card account that is open and not closed. I am also an authorized user on  XXXX   Capital One cr edit cards that they have removed and I am also an authorized user on a  XXXX   XXXX   XXXX  credit card that they have also removed. I have contacted all t he Data Furnishers and they have all re-reported the accounts and  XXXX  has yet to re-insert the information. This is wrong on so many fronts. This has cost me to my house that I was trying to purchase and has put everything on hold. This has to be taken car of ASAP.
Consumer complaint received 2017-05-20
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. (UT)

I have contacted Transunion back in XXXX, 2017 asking them to update my personal information because I had moved, along with sending me a current credit report.
They finally sent the credit report in XXXX 2017 after using your online service to complain and report this issue. They have fixed the majority of the errors on the credit report, but for the past two months and the past two credit reports I have received from Transunion, they still refuse to DELETE two addresses that DO NOT belong to me. I also asked they use the most recent previous address, and the most recent previous employer to be listed in their file for security purposes. To date, none of this has been done! I really do n't understand why they refuse to delete inaccurate addresses, along with why this is taking so long to do when they are required to do this within 30 days.
Consumer complaint received 2017-05-20
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: Continental Finance Company, LLC (KS)

My   XXXX   credit bureau was pulled by  Continental Fin  Co on both   XXXX   and   XXXX  . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
Consumer complaint received 2017-05-20
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: RGS Financial, Inc. (KS)

I have a disputed debt with RGS financial that appears on my  XXXX  Credit Report. After disputing the debt with the collection agency directly, they did not remove the account or mark it as disputed.     Instead they referred the account to an attorney to attempted to use removing the credit trade line as a means of getting me to sign away my rights under the Fair Credit Reporting Act.     Regardless of this, RGS is willing to delete the tradeline in exchange for a release of your claims. Please let me know if you will accept this offer.     Sincerely,  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX  After receipt of this e-mail I spoke with  XXXX   XXXX , managing partner of the firm who stated that offering to delete tradelines is a common practice their firm uses to avoid litigation provided the litigant agrees not to sue their client.     This is complete abuse of the credit bureaus, inaccurate reporting and holding credit reporting  hostage  under the FCRA, and blatant violation of the terms and conditions of credit reporting.
Consumer complaint received 2017-05-20
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. (KS)

On  XXXX     2017, I p aid  XXXX  card a settlement. I have a confirmation letter confirming receipt of the settlement dated   XXXX   XXXX  2017   . As of   XXXX   XXXX  2017    the account continues to show unpaid/collections on my Transunion credit report. When I contact  XXXX  card they said there was nothing they can do about it.     I was advised by my attorney that they are required to update every 45 days, and I am being denied credit due to this account appearing as collections, despite  XXXX  card acknowledging by phone on   XXXX   XXXX  2017,  that the account is paid and when I asked them to update the credit bureau they said " There is nothing we can do about it ''.