davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
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. (IN)

I took out a small loan in XXXX, made perfect payments of XXXX per month, I paid off the loan in XXXX of XXXX, six months later XXXX dropped my score, XXXX did not ; who knows what Experian has done as they keep themselves hidden from my credit union and XXXX XXXX unless you pay. 
Last XXXX of XXXX, 3 years later out of the blue once again XXXX dropped my credit score when I have not touch anything to do with credit since XXXX of XXXX ; XXXX did not. As of today XX/XX/XXXX in viewing my credit score at my credit union and on XXXX.com I now see that XXXX has followed XXXX and has also dropped my score by XXXX points! 
In these past 3 years I've watched my credit score slowly increase which made me happy in case I need to apply for a loan or credit. 
How can they just drop my score when I've not touched anything that has to do with credit? All bills are always paid on time and I have no outstanding debt to be paid! Nothing touched since XXXX.
Consumer complaint received 2024-10-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I WANT TO NOTIFY THAT I RECENTLY FOUND OUT A FRAUDULENT AUTO LOAN IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND SOMEBODY USED MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION AND OPEN AN ACCOUNT BY TOYOTA MOTOR CREDIT. PLEASE TAKE ALL APPROPRIATE STEPS TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILE.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TN)

I recieved a formal notice from XXXX insurance company informing me that they did not give me the best quote based off of information or missing information from LexisNexis Consumer Center of XXXX.
Consumer complaint received 2022-11-24
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. (CA)

I cling to sending plentiful sets of letters to Equifax so the reason of we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these fraudulent accounts distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please DELETE the accounts ASAP : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-11-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SOUTHEAST MORTGAGE OF GA INC (GA)

Monday, XXXX XXXX. SouthEast Mortgage called me and explained that my loan ( that they previously said was fully approved last week on Thursday XXXX XXXX is not denied " unless '' I pay {$7000.00} or {$10000.00} in 48 Hours ( Closing Date was Wednesday XXXX XXXX ) And asked which option ( before the end of the day ) would work better for me? 

I applied for the Georgia Dream loan and was working with the team for 4-5 months  and each step of the way they were making me aware of what needed to be taken care of and " fixed '' yet 48hours before the closing and keys were handed to me and my family, now all of a sudden my " tax issue '' that currently has a monthly payment installment agreement in place, in now causing my entire loan to be denied. 

He also instantly required me to pay off all my tax debt before 2017 for All Years. He also informs me that my GA Dream file was submitting to 2nd set of underwriting last week around Thursday XX/XX/XXXX. From my personal expert team, they made me aware it normally takes 10 days to clear. Once I ask the SouthEast Mortgage official for a document to show the denial letter/information, and call him again, he explains that GA Dream is now Not Possible No Matter What. Even after several attempts for the official denial letter, nothing was produced. 

The mortgage is off the table, my earnest money is lost, my apprasial fee is lost, my home inspection fee is lost, and my 4-5 months of patience and persistent has been wasted. 

We spoke to Georgia Dream agent and she explained there is a simple document that I need to clear this condition, it's a lien right documents that changes the order of rights away from IRS in primary position. XXXX did not even discuss this with me at all and just proceeded to let me know that I am " denied '' with no options. Last week he explained to me that I was " approved '' and congrats but Monday he explains my file was not submitted to GA Dream underwriters until around XXXX XXXX. 

I was told I was approved, then it was just taken away from my family and I. 
I have attached the only " denial '' they sent us.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NE)

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
XXXX XXXX RE : COMPLAINT AGAINST TO ALL CREDIT REPORTING AGENCIES To Whom It May Concern : I am writing to file a complaint against XXXX, Equifax and XXXX because I do not see the efficiency as a prestigious company. 
I just want they erase any inaccurate information and Including phone numbers that does not belong to me I send proof of residence and my birth certificate they can see what my name and how it is written, my American passport ; all the inaccurate information Is doing damage to my credit history. 
I move to the United States " Nebraska '' in XX/XX/XXXX for my daughter education, all kinds of address that appear credit report that does not belong to me, I mentioned my previous address : From XX/XX/XXXX to XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and present address : From XX/XX/XXXX to the present CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have not received the result of the investigation, I am a person that I have medical conditions " XXXX '' I live with XXXX pain XX/XX/XXXX and I want to have my credit record in great conditions in case the health insurance does not cover the expenses. 
I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices. 
If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 
Sincerely,
Consumer complaint received 2018-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Northern Trust Company, The (OH)

There are serious problems customers face accessing their online information at Northern Trust. Twice this year, I was locked out despite not changing my UserID or Password. Each time, the bank 's online reset password did not work. Each time I called customer service and was met with great difficulties. The bank sends a temporary password of between 40-50 characters, which can not be copied and pasted, but must be manually written down and then typed. The first time it took multiple tries with customer service with ever new temporary passwords. The whole process took about 30 minutes. More recently, on or about XX/XX/XXXX, again - for no reason - I was locked out of my account and was blocked from resetting my password. Again I called customer service. Spoke with female XXXX XXXX who sent me new 40-50 temporary passwords - none of which worked. I asked her to reset my password, but she refused. I asked for a supervisor. After a lengthy wait, XXXX XXXX came on and claimed to be a supervisor. But, in fact, she is a front-line representative answering initial calls. Again, the temporary passwords did not work. I complained about the overly lengthy passwords. She responded that many other investors have the same problem, but could not provide to me a shorter and working password. She said that she could not help me, that I must keep trying with 40-50 characters. Then, in a setup, she asked me which browser I use. I responded XXXX XXXX. She lied by saying that XXXX XXXX is not compatible with XXXX 's system. I responded that in previous years I successfully used XXXX XXXX without being locked out. She had no answer. After about a full hour I gave up - not being able to access my account online. Thus, I called Northern Trust, XXXX 's servicing bank. I tried to reach XXXX XXXX, CEO. I was put into the voicemail of XXXX XXXX. I left a message describing the horror of Northern Trust 's anti-consumerr system. Subsequently, XXXX XXXX called me saying that the was the Vice President in charge of the account processing. He claimed to be horrified that 40-50 character passwords were being sent to investors. He claimed not to know this. He got back to me on XX/XX/XXXX and said that the bank 's contractor was reducing the passwords to 8 characters. He said someone would call me. XXXX XXXX eventually called me, but she was once again a total disaster. These new temporary passwords did not work either. She said that the only thing to do was to keep sending me temporary passwords, that no one else do anything to give me access to my account. After more failed efforts, I stopped and called XXXX back to report the situation. He did not have the courtesy or decency to return my call. So, I can not go online to do anything which the bank will not allow me to do via telephone. Northern Trust and its CEO XXXX XXXX have no interest in the problems they have created for its customers. The bank should be fined and XXXX should resign.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

Due to ongoing issues of fraud across multiple cards, accounts, and financial institutions, I have asked USAA for a list of transactions that were entered manually or in-store multiple times. As of this writing, as with several other financial institutions that have allowed all manner of fraud to occur on my account to include XXXX XXXX  features and fraudulent dashboard entries, they do not appear willing to answer the question.
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (GA)

I have a credit card from Synchrony bank from financing a dryer at hhgregg a couple years back. hhgregg is going out of business and I want to close this card, which I have n't used since and never plan to use again. It has been paid off and carrying no balance for over a year. 
Synchrony 's FAQ is down, their " compliments and complaints '' page fails to load, the hhgregg portal for managing the card is down, and I can find no way to close this card. I tried calling several numbers including the XXXX their website says to contact for hhgregg-related accounts, and despite XXXX attempts, waiting on hold for XXXX minutes each time, I have never managed to reach a human to request account closure. 
They are effectively refusing to close this dormant card by providing no means to do so. I 'm not sure what else to do having attempted all means of reaching out I can find.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (TX)

my husband and I purchased a vehicle back in XXXX we had it for about a year and in XXXX of XXXX the car was repossessed the account showed closed for 11 months ii was happy about that well fast forward to XXXX of XXXX credit acceptance decided to reopen the loan and report late payments to our bureaus till this day they are reporting and I have told them many times that it was already closed on my bureaus they keep telling me they never reported it when I have the reports that say they did they told me if I want it removed I have to pay XXXX which I am not I told them I was ok with leaving the debt on my report as closed but not as a open auto loan I do not have the car for it to be a open loan. I want them to remove all the late payments and close it I want them to remove it from both my husbands and my reports for this inconvenience because they are ruining my life. I have my reports printed where it shows they closed it and reopened it without my knowledge I only found out because I really needed to buy a car this year and that is when I found out they did this. I cant purchase a home because my debt to income ratio shows I have 3 vehicles when I don't
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I submitted a dispute on a Tax Lien issue by  XXXX   County Superior Court  in    XXXX   XXXX    in the amount of {$1800.00}. I paid that lien in full in    XXXX   XXXX   XXXX   . I received a full lien release on    XXXX   XXXX   XXXX    from the  XXXX  Department  of Revenue . The  Tax Lien  was removed from my Equifax credit file on    XXXX   XXXX   XXXX   . One month later, the tax lien was reinserted into my credit file with Equifax. Both  XXXX   County Superior Court  and the  XXXX  Department  of Revenue  sent me an email indicating that they never divulge any information to any credit reporting agencies ; therefore, the tax lien information has been furnished by a third party agency and I was never informed that the item had been reinserted into my credit file, which violates the Fair Credit Reporting Act  611 ( a ) ( 5 ) ( B ) ( ii )  which states : In accordance with the requirements of the FCRA section  611 ( a ) ( 5 ) ( B ) ( ii  ), you are required to notify me of the reinsertion in writing within 5 business days.   ( B ) Requirements relating to reinsertion of previously deleted mate rial ( ii ) No tice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  five ( 5 ) b usiness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.   I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.
Consumer complaint received 2017-04-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received XXXX letters on XX/XX/2017 that all XXXX of my checking and savings accounts were being restricted in 20 days and closed in 30. No information or phone number provided. Also, I discovered that all XXXX of my credit cards were already closed. These accounts were for XXXX businesses as well as my personal accounts. I have been with them for 10 years and never had an issue. They do my merchant processing ( credit card processing ) and hold XXXX of my mortgages as well. The bank manager at my local branch was unable to provide any information nor was a supervisor on the phone. This is a huge hassle because of my automatic payments, outstanding checks, loss of XXXX credit lines without warning, XXXX 's of useless checks that cost money as well as the deposit stamps and my loss of rewards points on the credit cards. I also found out that I will not be able to open accounts with them in the future, not that I would want to anyway after this experience. I would like to be able to appeal the decision, receive an explanation, get compensated for my hundreds of dollars in lost checks and receive my rewards points money that I earned. A bank should not be able to treat their customers like this without wrongdoing and justifying their actions. Very upset and disappointed.
Consumer complaint received 2017-04-12
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OR)

I just received a letter from someone impersonating an officer working for the government threatening to garnish and arrest me. I have never received anything in writing from this creditor for this loan. Years ago I did apply through ACE but it 's since been discharged in my Chapter XXXX bankruptcy back in 2012. I have asked them to stop threatening and contacting me but to no avail. Now they are threatening me in a written letter which I am attaching.
Consumer complaint received 2017-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Ocwen Mortgage sent a check for {$32000.00} to XXXX County Tax Collector and informed us that we would have to pay it back to Ocwen. In fact, the amount due was only {$5900.00}. Clearly Ocwen did not contact our Tax Collector. Ocwen also ingnored our previous correspondence with them 3 years ago when they tried to do the same thing and we sent them a copy of our Installment Payment Plan with our Tax Collector.
Consumer complaint received 2017-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I believe that Navient is working alongside XXXX XXXX XXXX and a sister company XXXX XXXX XXXX in posing as the U.S. Department of Education as they stated. It is my belief that these companies are conspiring together with Navient running an overall scam against the government. The two companies listed above state they work with Navient to provide a service that they are allowed to charge for though the product is bogus. I have let them know numerous times they are a scam in presenting themselves as someone they are not. I did further let them know I was aware of what they were doing and to cease all contact with me immediately in presenting a fake product. They proclaimed numerous times to be working with/for the U.S. Department of Education which is a governmental agency. They stated that they send us out paperwork and much needed documents that you ca n't get anywhere else regarding student loans in how they are working with Navient to help others. The same documents they are advertising for a fee can be found online at the government website free of charge to us. Due to me being aware they are selling governmental documents I told them once again they are running a scam and I want no part of it!
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract bearing my wet signature, any and all accounts that you post on a rental or consumer report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I must be provided all proof that is used in your verification method as well as what you have put on your XXXX form. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my wet signature on it ) that you have on file for the account listed below.

Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that the following inaccurate account be verified or removed immediately : Collection Debt Amount : {$780.00} Unverifiable Account The copies of credit card statements you sent as verification IS NOT WHAT I REQUESTED. 



Thank You, XXXX XXXX.
Consumer complaint received 2024-10-03
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (IL)

XX/XX/XXXXXXXX XXXX of {$500.00} gift cards charged to my Target Credit Card that i did not authorize. I submitted a completed questionnaire and police Report confirming the incident. Target denied my fraud claim. I remailed police report and questionnaire again on XX/XX/XXXX. Have not got any response from Target since. Charges are still debited to my card