davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 BANK XXXX XXXX XXXX XXXX BANK XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : POWER XXXX R XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, VA XXXX Date : XX/XX/2022 RE : PRIVACY OPT OUT NOTICE ACCOUNT NUMBER XXXX Dear CEO XXXX XXXX or any agent in receipt of this notice I am writing to your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private nonpublic information. Personal nonpublic information is defined as Personally identifiable financial information ; and any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available pursuant to 2021 New York Laws - Civil Rights Article 5 - 50 Right of Privacy, Regulation V, 16 CFR 313.3n ( 1 ) ( i ) 16 CFR 313.3n ( 1 ) ( ii ). As of today, XX/XX/2022, at XXXX eastern standard time I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private nonpublic information. 
I am a consumer and consumers have the right to privacy. Privacy is defined as the right to not have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the FCRA Regulation V, Gramm Leach Biley Act and NYL Civil Rights Law Article 5-50, The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as Debt Collectors or credit reporting agencies. Nonpublic information is any information such as name, address etc. and/or about an individual from a transaction involving payment history, loan, account number 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.15 USC 1681a ( 2 ) Exclusions. ( XXXX ), the term consumer report does not include ( A ) subject to ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report, Therefore I am demanding you, your company, and affiliates to delete and purge this from your system, a {$3000.00} check sent to my address above within XXXX business days for infringing on my right to privacy, I am giving your company 30 days to update my request and cease furnishing my nonpublic information within your company. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights. 
Done In good faith, XXXX XXXX XXXX XXXX without recourse XXXX XXXXXXXX XXXX  Owe no one anything except to love one another, for he who loves another has fulfilled the law
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

On Saturday XX/XX/XXXX I deposited a check for {$3500.00}. My funds became available on Monday XX/XX/XXXX, once the funds became available, and I made payments from the account using those funds. Later that day when checking my account, I noticed the check had been put on hold. On Wednesday XX/XX/XXXX I called Citizens Bank to inquire about this as the funds were still not available. I was told my funds would not be available until XX/XX/XXXX but would not disclose a reason nor did they issue me a delayed funds availability notice. I called back Thursday XX/XX/XXXX and was then told that as of Wednesday the XXXX there had only been a XXXX hold placed and when told that was not what I was advised of yesterday they argued and said just today an extended hold had been placed. They continue to refuse to give me a reason as to why this extended hold was placed. They will not accept documentation showing the funds had cleared from the account in which the check was drawn on and have violated Reg CC. They also misinformed me of how the check processing works and admitted the check has not been returned.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Wrong address ON FILE- mail going to old address- they still have A security freeze on both my account and wife as it was removed through XXXX XXXX 2017. waited on phone well over hour I could not get the overseas representative to do anything! Asked to be transferred to US waiting and waiting finally hung up. I asked them to contact XXXX who was supposed t be updating all three agencies- that evidently did not happen- they still have old incorrect missing information on their report!
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year> My only employer is : XXXX XXXX XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX
Consumer complaint received 2017-08-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MI)

I have two loans through Navient ; the direct parent plus and the parent plus loan. The interest rates on each loan are 7.9 % and 8.5 %. THIS IS ASTRONOMICAL. I, as the student, and the payer of these loans have called multiple times trying to figure out a way to reduce the interest amount, which I will say again, IS ASTRONOMICAL, to no avail. I apparently ca n't do anything on this loan since my mom is the cosigner. So, my mom has also called many times trying to figure out a way to reduce the interest rate ... yet again to no avail. The loans entered repayment in 2008. These are 2 of 10 loans that I have. I pay over 1000 $ a  month in student loan payments. I have a career as a nurse and have to live paycheck to paycheck because I am so shackled by payments, with insane interest rates, such as these. Both my mother and I have been told " interest rates are set by congress '', which is why this ca n't be changed.
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (CT)

Roughly {$450.00} worth of fraudulent charges were made on my credit card. I notified them immediately thinking their investigation who did criminal was. They never put the full amount back on the card for me to utilize. They failed to tell me the whole process and then spoke to the Supervisor of Fraud Protection he then apologizes. How is that going change my situation? I feel like they are keeping the using my card. There 's a hold on there and I do n't know why.
Consumer complaint received 2024-09-03
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)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2022-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sunset Solutions Group, LLC (WA)

Up to five calls everyday including family and friends will not tell me what dept this is about. 
I can only assume its from a bankruptcy that I had in 2009. 
Not sure what to do to get them to stop calling my XXXX XXXX XXXX mother. 
I have asked for them to send a letter and outline what this is about. But all they want is a credit card that I will not give to them.
Consumer complaint received 2022-11-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CA)

Dear XXXX, At XXXX of XXXX we send the payment in XXXX dollars from our account at XXXX XXXX XXXX XXXX XXXX XXXX to our partner XXXX XXXX XXXX XXXX ) via the Bank of New York Mellon XXXX It was a payment for cartridges. 
Amount : {$29000.00} XXXX  : XXXX Senders Reference : XXXX This payment was not received by the payment receiver. 
XX/XX/2022 XXXX XXXX ( XXXX XXXX ) informed us that the payment is in the process of conducting. 
Due to the fact that this amount is essential for our company we ask you to finish your control procedures as soon as possible. From our side We are ready to provide all necessary documents. 
If it is impossible to send this payment to the receiver, please, inform us how we can get our money back. 
Thanks in advance. 
Best regards. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 XXXX  XXXX 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! 


XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

On XX/XX/XXXX I paid off my student loans with XXXX. On XX/XX/XXXX I received confirmation that my loans were paid off. On XX/XX/XXXX I went to check my credit report with Experian and I noticed that XXXX months of payments were missing from my report, it showed that my last payment was in XXXX and that I owed over {$XXXX} still. I filed a dispute that day. Today ( the XXXX ) Experian got back to me and said the dispute was resolved. The total owed was the same, and they are still missing XXXX  months of payments, the only change they made was to say that they received information this month.
Consumer complaint received 2022-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (CA)

A company called XXXX XXXX XXXX asked us to apply for a refinance loan on our current mortgage company UWM. They told us that they could help lower our payments to better afford our mortgage. We applied and within a month they had us paying them a lesser amount for the mortgage and said it would take a couple of months to be granted a new loan amount. We paid XXXX $ roughly a month for 8 months. I found out later that they had dissolved their business and had taken the payments. This started in XX/XX/2022 and ended in XXXX 2022 for the amount of XXXX XXXX They secretly without our knowledge and consent filed a Forebearance application under our name and SCAMMED us out of the money promising a cheaper mortgage payment. I can provide the necessary paperwork that XXXX XXXX XXXX had us file if need be.
Consumer complaint received 2017-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

Because I had had to close my accounts, Peoples wo n't help further : My husband and I had opened a joint checking account where he banks, People 's United Bank, when we got married. I opened a personal checking account and a savings account at People 's United Bank at the same time. ( My husband 's personal financial accounts remain active and are not part of this problem. ) I was out of work from XXXX of XX/XX/XXXXthrough XXXX of XXXX, and used up the " buffer, '' our wedding money, to make the mortgage where unemployment left off. I was hired in XXXX of XXXX, and out of work again in XXXX of XXXX. My unemployment compensation, what little it was, was directly deposited to my own account. The balance was very low because I not had time to rebuild the buffer ; but I had the direct deposit. I managed to keep a decent balance in the joint account to pay the mortgage. Last winter, I could n't balance my checkbook. I went nuts. I 'd bounced checks and could n't afford the fees.I use XXXX, the same spreadsheet layout I 've used for over ten years, and could not find my error. This has never happened to me. I was mortified. With assistance, I managed to pay the fees and keep checks from bouncing until XXXX, when my unemployment ran out. I 'd never been able to catch up from the winter error ; and bills that were falling behind fell further since I 'd lost money paying the fees ... I deposited what I could get, but did n't realize that there was an added charge : $ XXXX  monthly fees since I did n't have direct deposit. I bounced more checks. XX/XX/XXXX : I 'm not sure which account was overdrawn at the end. I closed one, and closed the other to pay the fees on the first ( with {$50.00} or so that I borrowed ). A little more than a week later, I got a call : the bank had made an error, and had a check for me to pick up. On XX/XX/XXXX, I picked up two checks totaling {$1100.00} or so. The missing money from last winter. I got to the bank a day or two later. The same morning, I 'd had to ask my husband for XXXX XXXX for the charity box at religious services. I cried when the bank manager handed me the check that evening. He walked over with me to  cash it. I closed out my savings account at that time. When I 'd calmed down, it occurred to me to ask about the bounced check fees. I have no idea how many there were. The manager said that they could not be refunded because I do n't have an account with them. WHAT? Their error was the reason I 'd had to close the accounts. I do n't know if it 's bank policy. I also do n't know if it 's legal ; I had an account when the problem occurred, after all. I was unable to move further with the manager. I remain ashamed that I needed to cash my husband 's and my joint account, ashamed to the point that I 've waited since mid-XXXX to write because I simply could not. Anything you can advise will be appreciated. Cordially, / s /
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXX is very reckless with their reporting tactics on consumer 's credit reports. I found a tantamount of inaccurate information on my account from my name, to my address, to my social security number, to wrong information on my accounts, wrong status, and reports of derogatory items that were 10 years old and generic entries made by XXXX on my accounts that lingered old accounts way past its statute of limitations. XXXX is the only reporting agency that shows more that a XXXX point gap on my account consistently from other reporting agencies. It showed that there were close to XXXX unauthorized inquiries made on my report and I tried to report that to them and got nowhere. My credit report shows a reflection of another person as I do n't recognize my name, social security number, my accounts, my address, or the XXXX inquiries on my report. This whole ordeal with XXXX has caused me financial hardships because it has damaged my credit in many ways that seems unfixable. I 've reached out to XXXX many times but received nothing in return. XXXX needs to be held accountable for their reckless behavior on my report that has caused unnecessary hardships. I could n't get a student loan to finish school because of their carelessness.
Consumer complaint received 2017-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aargon Agency, Inc. (NC)

In response to the collection placed against my credit profile. The information documented on behalf of this collection is incorrect and insufficient. I would like the opportunity to clear this debt from my credit report. I am making a request for Collection Company to  provide a deletion from my credit report. I value my credit and I continually make timely payments on all of my accounts. All bills from all medical manners were paid in full directly with ALL service providers and any remaining balances from 2012-present were included in the insurer 's Chapter XXXX bankruptcy under case number XXXX. Aargon Collection agency placed a {$39.00} collection on my account and this information was discovered when I recently saw it on my credit report. They did not send any type of bill, notice or information prior to placing this debt on my report. All medical bills are paid in full with the providers directly. Any balances are under the responsible party which is XXXX XXXX, the insurer and responsible party. I understand that collection companies are generally not excited about deleting a collection account. However, I have been informed that according to FCRA ( Federal Credit Reporting Act ) no creditor is required ever to report a debt, nor are they required to continue to report it for any set amount of time, reporting to the bureaus is purely elective on the creditors part. I would simply like for Collection Company to have this one account removed from my credit to ensure my credit profile does not show such a negative account.
Consumer complaint received 2022-11-15
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. (CA)

I am a customer of XXXX and have a loan with them. I have always paid my bills on time. I discovered that there were late payments on my credit record for whatever reason after looking at my credit report. As you can see, I've always made on-time payments to this business. I made an attempt to get in touch with the XXXX credit bureaus, but I was unsuccessful. There was unquestionably a mistake on their part. I am filing this CFPB complaint to the credit reporting agencies in order to ask them to fully examine and correct their information. The account with the inaccurate information is below and has to be updated as soon as possible : XXXX XXXX Balance : {$0.00}