davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (TN)

Hi, I submitted a request to LexisNexis for my information used for my car insurance. I received a letter with instructions on accessing it. On XXXX, after trying I was unable to and per their website I tried calling and getting a live representative to help me. This was useless. Their phone tree is highly confusing and repeats the same option twice. This makes you think it isnt working. After getting past that I still encountered no option that would help me access my report. The number I called was XXXX ( XXXX ) XXXX. The whole process up to now seems to discourage and make it hard for people to access their information and definitely needs an overhaul. I did submit a request for help the same day, but again want to stress that these practices that this business is doing seems to make it pretty difficult to access my information and is taking me way more time than it should.
Consumer complaint received 2017-01-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Debt Group of NY (CA)

We received a letter - '' second notice '' from NDG ( National Debt Group, XXXX, TX ) proposing a debt settlement of {$11000.00} on a {$22000.00} credit card balance. There is no information about what credit card has such an outstanding balance. This is the 1st such notice. We have no such outstanding credit card balance on any card we have. 
We have not and do not intend to respond to this letter.
Consumer complaint received 2017-04-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I made a {$6000.00} deposit in to my account on XX/XX/2017. I explained to the lady behind the desk that I was desperate to get the funds available. She ran the check through a machine an told me it would be available on XX/XX/2017. I explained to her that I needed to be sure that it would be no later because I could drive to XXXX where the Bank is located from XXXX XXXX just as fast. She said that is all it would take. I made the deposit and on the receipt it even said that there was a hod on XXXX of the deposit till the XX/XX/2017. On XX/XX/XXXX I went to same branch to withdraw my money to pay my bills and the Teller told me that there has been an extended hold on the money till the XX/XX/XXXX. At that point it was before XXXX in the Central time zone that is where the bank was located that the check was drawn on. So I left the bank and returned around XXXX Eastern time zone which is XXXX Central Time Zone so the bank would be open and Citizens Bank could call and Verify the check had cleared. I meet with XXXX the Branch Manger and she called the branch the check was drawn on. Who ever answered the phone informed XXXX that they were not permitted to do that over the phone and she would have to call a different number and use a automated system. XXXX called someone over her head and they said that an Automated system would not work only a human can verify the check was good and there is nothing they could do for me. I asked if I could get the check back so I could drive XXXX miles and get my money from the bank the check was drawn on and they said no, it was too late for that. 
What I do n't get is Money electronically moves between bank at XXXX the same day, That was put in to place back in the XXXX 's. Citizens Bank received my money at XXXX on the XX/XX/XXXX, Why do they need a human to tell them it really happened? This is unacceptable. They are XXXX me. The world wants everyone to stop using cash and are forcing us to use everything electronic, this is why I have a problem with it, Had I deposited cash this would have never happened, had they not told me in writing that my money would be available on the XXXX this complaint would have never needed to be filed. 
XXXX XXXX
Consumer complaint received 2017-03-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (SC)

After being unemployed and struggling to pay my loans, Wells Fargo told me if I paid the back balance of XXXX {$600.00} that they would allow me a forbearance to catch up. I borrowed that money from a person friend. They then rejected my forbearance on the basis that my cosigners could pay -- even though both cosigners are now retired women with substantially less income, including one XXXX. Their only remedy for me is to take out another loan to consolidate and refinance my existing debt, but I do n't qualify because not paying my existing loans has ruined my debt. I have pled with them to make reasonable arrangements with me so I may meet my obligations, but they have refused and have threatened legal action against my cosigners instead. Neither myself nor my cosigners can afford the current payments and I ca n't refinance. So there is no avenue for relief. I do n't know if that 's illegal or not, but they lied to me and told me they would work with me, I think that 's misleading.
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Performance Settlement, LLC (MI)

I was contacted by a representative from Performance XXXX in XX/XX/XXXX regarding consolidating my student loans. During this conversation, I was under the impression that the XXXX/month payment for the 36 months was going toward my student payments. It was not until I received a packet of information for XXXX that I discovered that was not the case. During the initial phone conversation with the Customer Service Representative I reiterated the XXXX/ month payment would go towards the student loan balance. Throughout the conversation the Representative told me yes that it would be going towards my balance. I then reached out to Performance XXXX after speaking with XXXX. I asked to have my contract terminated with them. I was told by the Supervisor XXXX that I was not allowed to terminate my contract until he reviewed the phone conversation. I called the next day to touch base with him regarding the situation, and was told he was in a meeting, and he would call back before the end of the day. I never heard from him until I called today ( XX/XX/2017 ). Through our conversation today, he explained the process once again, and we both agreed that there was miscommunication on both ends. He also stated that he did n't want to loose my business, as I was considered a valued customer. I told him that I would go over everything that we spoke about, and that I would be contacting XXXX again, and that I would call back and talk to him later today. I called him back today and explained that I still wanted out of my contract because XXXX has more options that meet my needs. At this time he is still forcing me to pay the XXXX, and will not terminate my contract. At this time, all I want is to have my contract terminated with Performance XXXX.
Consumer complaint received 2024-07-18
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. (NV)

I am not liable for this debt with XXXX XXXX XXXXI do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested. there should be an Immediate correction to my credit report, I demand this account be removed from my credit report The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXXXXXX XXXX XXXX  XXXX I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b )
Consumer complaint received 2024-07-18
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. (NJ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-04-02
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am very alarmed that a fraudulent charge has been allowed on my Capital One card despite following their procedure to deny the unauthorized charge. A merchant that I ordered from charged me for an item that I had removed from my cart, and I learned of the mistake by receiving a text from Capital One that says " Hi it 's Capital One. Did you just spend {$380.00} at XXXX ...? Text CONFIRM if yes or DENY if no. '' I researched the transaction and asked the merchant to cancel. When they would not cancel, I wrote DENY. I then followed procedures to call and confirm correct pending transactions and ensure this charge did not process. During the call I was first told that I had to wait 5 days to dispute the charge, to which I replied that the merchant would have shipped the item by then and I 'd be forced to go through their return process and pay return shipping for an item I am reporting as unauthorized. I spoke with a supervisor, and this is where I realized I needed to report a complaint. The supervisor tried to hang up on me several times because I found this same answer unacceptable. She was incredibly rude, had no patience for my frustration, which is founded, and also would not allow me to record the call. When I asked if I could record the call, she said, " No you may not, good day. '' And hung up on me. I felt this was not only poor customer service, but irresponsible handling of a customer 's report of an unauthorized transaction. At this point both the merchant and Capital One are making pay for a fraudulent charge. This makes me apprehensive about my liability under such circumstances. The person I formally wish to file this complaint against is XXXX at Capital One, Employee ID XXXX.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-18
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. (CA)

i need help with rectifying violations that I believe have been committed. I reviewed a copy of my credit report and I noticed that there are unauthorized fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I have provided a copy of a FTC REPORT, California state drivers license, and a copy of social security card. Please use the laws and codes that all credit reporting agencies are bound to follow by law as listed and explained below. I dont take my rights being violated lightly but a serious matter. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 15 USC 1681i ( 5 ) ( B ) ( ii ) ( ili )
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal. They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A sec. 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have been disputing these accounts for months now. They don't respond to my requests and I'm beyond over it.
Consumer complaint received 2024-07-18
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-04-10
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Santo Domingo Motors Inc. (MA)

I went to a dealership on XXXX/XXXX/15 and chose a car from the few that he was willing to work with me on. He told me i had to put some sort of deposit down in order to even HOLD the car so no one else would purchase the vehicle. He also stated that he would not cash the money order until i brought the other portion of the down payment as well as the dealer services of {$99.00}. 

Less than a week later on ( XXXX/XXXX/15 ). I have realized that i can not afford to get that car as it is a luxury vehicle and way out of my price range. I called the dealer and he told me that he had deposited the money order on XXXX/XXXX/15 and i would have to wait for this to clear the bank. 

I then called the bank and was informed that the money order had actually been cashed on XXXX/XXXX/15. He refuses to have a professional conversation with me over the phone and refuses to refund my money. 

I have not signed a finance agreement or contract or anything of that matter. I do not have a car. I have nothing to show for what is going on other than the receipts and the blank page that he sent me home with to get references for this deal.
Consumer complaint received 2017-04-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (AZ)

I have banked with Simple for over three and a half years. I 've lived at my current address for over a year and a half. After making updating my linked external accounts last week I received a support message saying " Your account has been frozen because we 're having trouble verifying you. We need to do that before we can unlock your account. 
In order to complete verification, please submit a copy of the following documents using the instructions below : - A color photo ( not scanned ) of your Social Security Card - A color photo ( not scanned ) of your unexpired Government issued Photo ID ( If your photo ID does not have your current address on it, please also include Residence Verification, for instance, a bill issued in the last 30 days. ) - The two most recent PDF bank statements downloaded directly from each of the external account ( s ) linked to Simple '' I responded to this right away and after two business days I still have had no response from the team that made the decision to freeze my account. I 've uploaded the requested identification, but the linked external accounts are new and there are no statements yet. I called customer service to ask when I would hear back and how long it might take to regain access to my account. The representative would not give any timeframe for either and said that we would just need to wait and see if the team reviewing this would " make an exception '' as I can not provide bank statements that do n't exist. And if they wo n't make an exception? My money would simply be held in limbo indefinitely? The customer service rep had no answer for that either. Now I 'm reading horror stories on Better Business Bureau and other review websites of customers who had their account frozen for months! This is criminal.
Consumer complaint received 2024-07-18
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. (WV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX Balance {$590.00} XXXX XXXXBalance {$0.00} XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX Balance {$6100.00}
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I am in disagreement with the items listed below which still appear on my credit report, even after your XXXX. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX I XX/XX/XXXX -The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX- The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXXXX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting.
Consumer complaint received 2024-07-18
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

My accounts 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/updated. 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. 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!