davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

DISCOVER BANK XXXX
Consumer complaint received 2024-11-01
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. (FL)

This morning, I was alarmed to find unauthorized inquiries on my credit report with no explanation. I checked as I usually do, but this time, these discrepancies appeared out of nowhere. After refreshing my browser to see if it was just a glitch, the inquiries were still there. Given this issue, I urgently request a thorough review of the documents I submitted so I can feel assured this wont happen again.
Consumer complaint received 2022-10-27
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. (TX)

I submitted a payment by electronic check to the bank I use for my auto loan and they sent an email stating there was an error and the payment could not be processed. I processed another payment by debit card. Soon after, they withdrew my checking account that I initially used. I disputed the transaction with my bank after I tried to let them know it was a payment that wasnt supposed to go through. Both payments were reversed and the company is reporting my account incorrectly. Ive tried to ask for leniency because Im getting my credit back on track.
Consumer complaint received 2024-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

I'm making pricipal only paymemts, but my mortgage company reversing my payments saying insufficient funds, I called my bank to checked they told my mortgage company is trying to attempt twice and first one going through and second one failing with insufficinet balance because it's considering second one as new payment at that point. example let say I have {$3000.00} in my account, I paid XXXX, mortgage company processing {$2500.00} and some reason it thinks failed, but my other bank processed, and mortage company again retrys the same now it's insufficient fund because at that point it's trying to tap on second payment with same amount. 

With above issue mortgage company start changing overdraft fee for failing insuffient fund, I called multiple times to explan the situation they all say system does automatically they XXXX ; t have any further information. I have been tried many time, it's not helping I'm getting charged overdraft fee due to faulty system and also loosing the intrest when i suppose to save due to this pricial payment. 

Please help me resolve this issue, I can provide exact date that reversal and balance in my accounts.
Consumer complaint received 2024-11-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation (FL)

I have Finance a car thru one main financial services I bought a extended warranty on the a truck that i purchased from a local dealership and the engine is need of replacement i am still making payments on something that i ca n't drive my problem is not with one main it the a problem with the warranty company the name of the company is endurance Warranty auto services and this warranty is attached to the carloan. i really want avoid reposession of the car
Consumer complaint received 2024-09-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (IN)

I have a XXXX Goldman Sachs XXXX. On XX/XX/XXXX, I deposited {$10000.00} from XXXX XXXX XXXXXXXX XXXX checking account into my Marcus account. On XX/XX/XXXX, I deposited another {$36000.00} from my XXXX  account into my Marcus account. On XX/XX/XXXX, I made the decision to purchase a new car. On XX/XX/XXXX, I submitted a transfer of {$48000.00} from my Marcus account back to my XXXX XXXX XXXX checking account. On XXXX, I received a call from Marcus notifying me that my account was under review. When I asked why, they were unable to provide me any information at all. They simply said I would have to wait weeks for their team to get back to me. On XXXX, I noticed that the transfer I made on XX/XX/XXXX was reversed. I contacted Marcus support by online chat to ask why. Again, I was told that my account is under review, but was not told any information as to why. They again said I would have to wait. I am now unable to purchase the vehicle because I am unable to access my funds.
Consumer complaint received 2024-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc. (GA)

On Monday XX/XX/year> I sent the following email to BSI Financial Services through their online portal and also to XXXX : " Hello, Today XX/XX/year> at XXXX XXXX  EST I spoke on the phone with XXXX whose agent number is XXXX. XXXX informed me that BSI Financial Services is reversing the charge of {$81.00} in late fees that I was made to pay by verbal request by mistake and without a statement. XXXX assured me that the unapplied funds that have been sitting in my account since making my on time XXXX payment will be applied to my account within the next 2 to 3 days. These actions will make my account current and up to date without any adverse actions taken toward my company credit, personal credit, or investment property. I have also sent this email through the BSI Financial Services web portal. '' Although I received an automated response confirming that BSI Financial Servces received my message, I have not gotten a response from a human. BSI Financial Services, please explain why I have not received a timely emailed response to my email from a human.
Consumer complaint received 2024-09-03
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: TD BANK US HOLDING COMPANY (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2015-11-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (DC)

Hello - I have XXXX private student loans through Navient, which were originally XXXX XXXX loans. I have had these loans prior to XX/XX/XXXX-XX/XX/XXXX. XX/XX/XXXX through XX/XX/XXXX I was enrolled more than half time in a law school program and from XX/XX/XXXX-XX/XX/XXXX I was enrolled in an LLM program more than half time which I am still enrolled in to this day. I received a bill from Navient last month stating that my in school deferment had ended on my loan, as the in school deferment option had ended on my loan and that the loan documents stated that there was only a 2 year period of in school deferment. This is odd, because I obviously have exceeded the 2 year in school deferment from XX/XX/XXXX-XX/XX/XXXX. When I called to discuss this option I was informed of this and was treated rudely, even when I asked why this provision was being enforced now? I asked to see my loan documents to see if this provision was included in the loan documents and was told that this provision existed and that my loans were audited and that it was revealed that my two year period had expired.
Consumer complaint received 2020-06-17
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: Experian Information Solutions Inc. (CA)

I'VE CONTACTED EXPERIAN NUMEROUS TIMES IN REGARDS TO A FRAUDULENT ACCOUNT THAT IVE NOTICED RECENTLY. I TOOK THE APPROPRIATE STEPS AS DIRECTED BY LOCAL LAW ENFORCEMENT TO CONTACT FTC IDENTITYTHEFT.GOV SINCE THIS WAS RELATED TO AN ONLINE MATTER. THAT WAS EXACTLY WHAT I HAD DONE, AND I HAD CONTACTED EXPERIAN MANY TIMES NOTIFYING THEM THAT MY IDENTITY HAD BEEN COMPROMISED. THEY NOT ONLY IGNORED MY REQUESTS, BUT CONTINUES TO LEAVE THAT FRAUDULENT ACCOUNT UNDER MY NAME, WHICH IS RUINING MY CREDIT AND PREVENTING ME FROM OBTAINING A VEHICLE LOAN THAT I REALLY NEEDED DURING THE COVID19 HARDSHIPS TO LOOK FOR A NEW JOB. I BELIEVE WHAT EXPERIAN IS DOING IS ILLEGAL UNDER THE FAIR CREDIT REPORT ACT. I WILL PURSUE THIS TO THE FULLEST EXTENT OF LAW IF THIS MATTER DOES NOT GET RESOLVED IMMEDIATELY.
Consumer complaint received 2016-03-14
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

Just signed up for a new credit card for a second optional card for both myself and husband. It was Bank of America, XXXX XXXX Visa. Used it less than 2 months and I sent in one payment in full that was done by bill pay from my bank. The bank says they sent it, Bank of America says theydo n't have it and I am out the money but being charged a late fee and a {$75.00} user fee per card even though I cancelled the XXXX cards, plus they want the {$150.00} again.
Consumer complaint received 2024-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I requested my free annual credit report from Equifax on XX/XX/2020 and the company has refused to provide it online, referring me to a written request. Subsequently my written request was not honored, since Equifax sent absurd, abusive, and inappropriate " identity verification '' demands to me in a refusal letter. 
Equifax is demanding narrow proofs that are likely not to be obtainable by many reasonable persons, including demands for pay stubs when I have not worked for an employer who provides pay stubs for six months and my employer has not provided pay stubs for past work, a demand for a lease or bills in my name when none of these are in my name as I, like millions of people, am a renter from someone else, and a demand for a driver 's license ( my driver 's license shows another address from what they have on file ).
Consumer complaint received 2023-07-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to dispute several accounts on my credit report that were opened fraudulently in my name. Under 15 U.S.C. 1681c-2, I request the immediate blocking and removal of these fraudulent accounts from my credit report. These accounts were opened without my authorization, and I have never given written permission for them to be reported, as required by 15 U.S.C. 1681 ( a ) ( 2 ).

In accordance with 15 U.S.C. 1681c-2, please block these accounts from my credit report within four business days and provide written confirmation of their removal. Additionally, I have frozen my credit profile to prevent further unauthorized activity.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC. (FL)

I opened this account with the promise that I would be receiving XXXX  % interest no matter what my balance would be. They lowered my interest rate to XXXX  % without any notice. I dont believe this is the way Banks should do business. 

My funds have been tied up in this account since XX/XX/year> and I have not been able to gain access to them at all due to, scheduled Maintenance on my account.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (CA)

Subject : Discrepancies on My Credit Report I hope this message finds you well. 

I am writing to bring to your attention multiple discrepancies I discovered on my credit report. I was recently rejected for credit approvals, which raised concerns regarding inaccurate information that does not pertain to me. 

As a former foster child, my uncle had custody of me and misused my personal information to acquire phones and other items in my name. Despite my efforts to rectify this by filing documents for removal of these accounts and requesting verification through wet signatures, they have not complied. 

These incorrect accounts need to be removed as they are hindering my ability to live my life without undue interference. 

Thank you for your attention to this matter. 

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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. ()

I received a scam call about a transfer through remitly, however, remitly didn't do anything about cancelling the transfer while it wqs still in process and the money was sent. There is usually a delay until the money is sent to the account, usually of one day, but it was almost instant now.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My account with 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 in 60 days 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.

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 8
Consumer complaint received 2015-11-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NC)

XXXX XXXX -- -- XXXX XXXX XXXX XXXXI AM PAYMENT FOR XXXX XXXX AS PROVE AS SANTANDER CONSUMER USA/AUTO LOAN LAST XX/XX/XXXX SINCE XX/XX/XXXXOR XXXX AS COPY XXXX XXXX PLEASE SEND ME MY ADDRESS IS XXXX NC XXXX CUZ I WILL BE SUIT MY EX HUSBAND ..SO I ALREADY DIVORCE NEVER PAY AS HALF SO I WILL PAY FOR {$52.00} MONTHLY ANYWAY LET U KNOW THAT ALL SMILE .. LET ME KNOW CALL ME XXXX AS QUICKLY THANK U XXXX XXXX XXXX