davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RS Clark and Associates, Inc. (SC)

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Section 602 ( a ), Congress mandates that consumer reporting agencies ( such as XXXX and XXXX ) fulfill their roles with " fairness, impartiality, and respect for the consumer 's right to privacy. '' As a consumer, I have a legal right to ensure my private information remains confidential. In support of this, 15 U.S.C. 6801 specifies that every financial institution is obligated to uphold the security and confidentiality of its clients ' nonpublic personal information.

Per 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies may only disclose a consumer report with the written consent of the consumer. Neither XXXX, XXXX, nor any data furnishers have my explicit consent to share my information, whether the consent is written, implied, verbal, or otherwise ; therefore, any previously assumed consent is now formally revoked. Moreover, 15 U.S.C. 6802 ( b ) ( c ) asserts that no financial institution may disclose nonpublic personal information to third parties without providing the consumer a clear option to opt-outa right which I have not been informed of, nor have I been given the opportunity to exercise this option.

Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), it is prohibited for any consumer reporting agency to report adverse information older than seven years, except for criminal convictions. Reporting any adverse information that does not meet these criteria, particularly without my authorization, is a violation of federal law. Additionally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) holds that a person must not furnish information to a consumer reporting agency if they know, or should reasonably know, the information is inaccurate.

Under these protections and regulations, including 12 CFR 1016.7, I am formally exercising my right to opt-out of all reporting services and any further disclosure of my information.
Consumer complaint received 2017-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BCA Financial Services, Inc. (FL)

Accts #   XXXX   Due {$30.00},   XXXX   Due {$30.00},  XXXX  Due {$30.00},  XXXX  Due {$30.00} These charges are inaccurate and ABSOLUTELY not mine. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX  ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-14
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. (SC)

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX, without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX XXXX, nor did I provide written consent for my credit report to be accessed.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Had a background check pulled through Trans Union for a XXXX XXXX XXXX XXXX position. Received a copy from the county. There is an inquiry on it which says : " XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX '' When I called Trans Union, I was told that I had applied for a job with the XXXX of XXXXXXXX XXXX  and they had checked my credit- which is absurd because I live in XXXX and am retired and have NO interest in this, I do not plan to work for or even visit XXXX, nor have I authorized anyone to check my frozen and locked credit reports ( all three bureaus ). 

Then the Trans Union rep said " well maybe they offered you a job ''. I said no, this is absolutely the FIRST I have heard of this, I have not seen any job offer, I have not applied for *any* job offer, I don't have an account with them and I don't owe them any money - I have had ZERO interaction with XXXX, and where/how did they get my SSN? 

Trans Union rep could not or would not tell me who had made this inquiry and suggested that I call the city of XXXX and ask them - good luck- he didn't know what the XXXX code was either. 

Then he started babbling about how anyone I have had financial dealings with can pull my credit. I said no, I was a XXXX XXXX  for over 20 years and I KNOW how this stuff works. I have no prior or current business relationship with the city of XXXX, period, not even a parking ticket, absolutely nothing. 

Trans Union needs to give me a proper explanation of this, and it seems they can't be bothered to comply with the well stated legal rules and regulations regarding accurate credit reporting.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX THE FOLOWING ACCOUNTS HAVE SEVERAL ERRORS AND ARE NOT IN XXXX COMPLIANCE UNDER XXXX TERMS DUARTION THERE IS MISSING INFORMATION. XXXX COMPLIANCE CONDITION IS QUESTIONABLE. PLEASE DELETE THE FOLLOWING INACCURATE ACCOUNTS : XXXX XXXX XXXX ( Terms Frequency ) XXXX XXXX XXXX ( Terms Frequency ) xxxxxx XXXX NATIONAL CREDIT ADJUSTERS XXXX XXXX XXXX XXXX XXXX XXXX SUNRISE XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

On   XX/XX/XXXX ,  I purchased a vehicle a   XXXX   XXXX   XXXX    from  XXXX  of Georgia. On   XX/XX/XXXX , I found out the vehicle was no good meaning the motor and catalytic conve rter was gone out. I took the car back o n    XX/XX/XXXX  less than 24 hours later after purchase also being told at the  time I sign the contract that I had 72 hours to return the car if I decide I did not want it. When you bring the vehicle history up on this vehicle connected to VIN   XXXX   may have been recalled. Check full report for more information vin #  XXXX  ... this comes up. I was told by  XXXX  who is now working for   XXXX   XXXX   XXXX   in   XXXX   XXXX  , GA the vehicle was sold and they had already receive a check for the vehicle. I ask who was my finance company and she replied Automobile Acceptance. On   XX/XX/XXXX  , I went to the finance company in  XXXX , GA and told them that I no longer wanted the car and that I have 72 hours to bring it back and I was well within the 3 days and the credit manager replied they had already electronically sent  XXXX  check and conveniently   XXXX   closed down everywhere. The credit manager said it would be a repossession if I return the car so she convince me to keep the car. It became very hard to maintain the car and the payments so I voluntarily gave the car back. The car has been charged off on my credit and now Automobile Acceptance are suing me for almost $ 15k with 12 % interest. I was initially tried to be served in  XXXX  county   XXXX   XXXX  , Ga but when I went to  XXXX , GA Magistrate court and was the served with this civil suit, in which ; I find illegal and unethical. I will upload s upporting documents that will show the vehicle loan was charged off.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (TX)

I'm writing out of sheer frustration. Its been over a month since I first tried to close my TD account, and they keep putting up unnecessary obstacles. Most recently, I started the process again on XX/XX/XXXX, waited XXXX business days with a XXXX balance, and my account is still not closed. When I called the number they provided, I found out that the account closing process was reset due to call. Now XXXX told I have to wait another XXXX business days and call back if it doesnt close. This is ridiculousIve gone through this same process XXXX times now! 

I just want my account closed at TD Bank. They have the worst banking experience, charging outrageous fees and providing incredibly frustrating customer service.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Avant Holding Company, Inc. (SC)

XX/XX/year> XXXX XXXX or Avant Credit Card requested a copy of my credit report without my knowledge or permission. This was obtained Fraudulently without my consent. I never requested a credit card from Avant Credit Card Company through XXXX, but they requested my Credit Reports & I have a Fraud Alert on all 3 of the Credit Bureaus stating that no company should request or receive my Credit Report without receiving my consent due to Fraudulent Activity on my Credit Report & companies opening Credit Cards & Bank Accounts that were opened fraudulently by someone without my consent & police reports have been filed, but its still continuing. I requested that they remove the HARD INQUIRY on my Credit Report & its still there. Its prevented me from receiving credit line inquiries, receiving other offers, & denied from being able to receive a Home Loan due to having too many Hard Inquiries from 3 companies that I never gave permission to retrieve my credit reports. The Hard Inquiry that I reported above is again as follow : XXXX/AVANT LLC Avant Credit Card ( Finance/Personal ) XX/XX/year> ( Date Credit Report Requested ) XXXX  ( Email Address ) XXXX XXXX XXXX XXXX ( Address ) XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( Avant Phone Number )
Consumer complaint received 2017-07-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was checking my credit score o n   XXXX   XXXX   and saw that my   XXXX   credit score went down about  XXXX  points during the last   reporting period for apparently no reason, as nothing has changed since the last period. I am filing a separate complaint about this, but this complaint is about TransUnion who I went to, to check for information to compare with   XXXX   to see why my TransUnion score did n't go down, but my  XXXX  one did.
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I had to make an account to check this information, and they asked for my card information which I just assumed they needed to accurately reflect credit. They made NO indication that I was signing up for a paid account, and now whenever I try to go through their portal to cancel my subscription that I apparently now have, it does n't work. Every contact method they list is related to opening accounts/getting more information and I do n't really want to call because I 'm worried I might end up with more useless charges and no way to get my money back.
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This exchange happened on  XXXX   XXXX , 2017 and the amount I was initially billed is {$21.00}, which I also assume is going to be a recurring cost.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I received two checks from a third party, deposited on XX/XX/XXXX. Each for the amount of {$1200.00}. I felt suspicious that the checks may have not been real, so I called the Fifth Third mobile banking customer support line ( the same day, XX/XX/XXXX ) to see if they had any thoughts or saw anything that might be suspicious, to which they told me they did not see anything that would raise alarm. The next day, XX/XX/XXXX, the checks were processed and the funds were made available in my checking account. I received two more checks from the third party, each again for {$1200.00} deposited on XX/XX/XXXX. The next day, the funds were again processed and made available for use in my checking account. By XX/XX/XXXX, I had deposited {$5000.00} in total into my checking account. 

I was then unknowingly fraudulently persuaded by the third party to pay other third parties the following amounts on the following dates : A total of {$2300.00} on XX/XX/XXXX A total of {$2200.00} on XX/XX/XXXX. 

On XX/XX/XXXX, 5 days after the deposits made on XX/XX/XXXX, a withdrawal was made from my account for the total amount deposited ( {$2500.00} ) as a " Return Deposit Items '' transaction due to fraud. This happened again, on XX/XX/XXXX, for the same amount, resulting in a total of {$5000.00} being withdrawn from my checking account, causing it to be overdrawn by a substantial amount. 

I called Fifth Third again on XX/XX/XXXX, to ask what may have happened. They explained to me that the checks were either fake or the third party did not have the available funds in their account for me to cash the checks and that I would have to pay back the withdrawn amount or risk receiving overdraft charges. 

If either were the case, I would have assumed that the deposits would not have been processed, or the money would have not been accessible until it was proven that the funds were available in the third party 's account or that the checks were real. 

I was persuaded to make the outgoing payments mentioned above fully relying upon the funds that were processed and deposited in my account were mine to spend. I was never told or under the impression that they would be taken out of my account at some future date.
Consumer complaint received 2024-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A. (TX)

I have applied for a personal loan and I filled the application online but they sent me a form to fill, this form is for income verification and I had filled the form twice but the representative instruct me to fill the application and I sent the application and they denied my loan because they couldn't verify some information on my application, after citi bank made a hard inquiries on my credit they denied my loan although all my personal information is correct and they have to provide a better explanation for the denial and better customer service.
Consumer complaint received 2024-09-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

Requested proper validation to be certified mailed showing proof of debt owed to the company. I never signed a HIPPA form authorizing access to any such medical records. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount in dispute : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Amount in dispute : {$500.00}-
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (NJ)

Starting in XXXX of XXXX  I stared being charged interest on my Apple Card. I called both Apple support and Goldman Saks several times only to be told they didnt have an answer, or it had to undergo a higher revenue and the would get back to me. They never have. And have been charging me interest ever since. I even tried to set up an auto pay for the XXXX of the month but was told they couldnt set any automatic payments until after the XXXX of the month. That wasnt mentioned in any of the agreement information. The account it current and I am still making payments on time but being charged interest, which according to allele wasnt supposed to happen. 
I am on an automatic installment plan of XXXX a month which is fine but these charges are for a different balance on the card. I pay the additional XXXX on top of that and still get charged interest. I currently owe about XXXX which I will have paid off by next month but it is really irksome that no one could answer my questions and they still kept charging interest and wouldnt allow me to set up a payment that would have avoided it. One this card is paid off I will never use it again.
Consumer complaint received 2017-07-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NC)

My ex-husband and I consolidated a student loan back in 1996 for the amount of {$42000.00}. At the time we were married, and this was the easiest way to make the payments. Our loan was first with   XXXX   XXXX    and then was changed to Navient, whom we now have. After our divorce, my ex-husband went Chapter    XXXX    and by the time his repayment period was up, our loan had doubled to over {$80000.00}. During the repayment period, I tried to contact   XXXX   XXXX   and make payments but was told I could n't have access to the account due to the Chapter  XXXX . After this, we switched to an Income-Based Repayment loan, which was the only way we could afford the payments. We have continued to pay the loan every month since them ( with some time taken off for me to go back to school for a second   XXXX   XXXX   and a  XXXX these amounts are in a different loan with a different company which I repay through Income Based Repayment with no problems ) but our loan amount is now over {$120000.00}, and each year it gets higher because we are never able to pay anything to the principal.
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In addition, every time we try to recertify our IBR, it takes 4-6 months to get the process done. During this time, we are incurring late payments in the thousands and have no recourse but to defer those payments, thus adding to our overall balance. This year, I started recertifying back in  XXXX . I tried to submit my recertification information through FSA but my income on my latest taxes would not show, so I submitted the paperwork directly to Navient, including a copy of my taxes. They notified me that my ex-husband had not submitted his forms ; I notified him, and he did so. Despite that, the problem was not resolved so my ex-husband called Navient and was informed that I had to resubmit my information. I did this three weeks ago. Yesterday I got a notice from Navient saying that they could n't complete our recertification because they did n't receive my ex-husband 's income information ; this after they had told him his information was there, and I needed to resubmit. Now, of course, we have several thousand in payments due, which we ca n't pay-hence the reason for IBR in the first place.
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I want to pay this bill, but ca n't stand the run-around that Navient gives us every time we try to certify. I also ca n't see the purpose in paying a loan every month when the principal never goes down and when the amount is three times the original loan even after 20+ years of repayment. I believe that Navient purposefully gives us trouble with our recertification each year so they can collect more fees from us. To tell the truth, I do n't know where to turn to fix this and am ready to stop paying it altogether. The high amount is already hurting our credit rating in spite of the fact that I am conscientious about paying bills as is my ex-husband.