davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XX/XX/year> Saturday @ XXXX Process Server/Third Party Courier on behalf of Portfolio Recovery Associates is seen on XXXX XXXX XXXX harassing me, violating and invading my privacy by standing in the public street in front of my house yelling my name. This is after notifying the company with a Cease-and-Desist Demand letter via email and USPS mail on XX/XX/year> and XX/XX/year>. They are embarrassing me, attempting to intimidate me, and harassing me, and invading my privacy at my place of residence.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (RI)

In according with FCRA XXXX  account number XXXX progressive bankruptcy XXXX referencenumberXXXX. 15 USC1581 section 601A I do not any verbal or written authorized to display my on my credit report personal information published at any source data information without my permission please remove this items from my credit
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-06
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: EQUIFAX, 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 XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-06-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION (MI)

I went on Navy Federal Credit Union to see about getting a pre-approval for a used car loan to check their rates. When I realized that there is no pre-approval option for a loan, I stopped and did not submit the application. 

They did a hard pull on my credit report, even though I did not submit any application. They said that they disclosed this at the beginning, so I must have missed this. It was not clear to me that a hard credit pull would be engaged simply starting an application. 

It is a bad business practice to pull a hard credit report in an inquiry that was not submitted and a disservice to anyone that they allegedly provide customer service to. 

Only once an actual request is submitted should a hard credit pull be authorized. There should be a clear notice that they, unlike most other financial institutions, do not and will not process a loan for pre-approval so the consumer can gauge their status should they decide to get a loan with them. 

It harms those seeking the best rates and terms among various lenders when no application was submitted.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NATIONSTAR MORTGAGE LLC (IN)

13 payments still have not been reported to the credit bureaus. I have received a copy of my payment history from your company via mail today. I will continue filing complaints until all payments are properly reported to all credit bureaus. You stated starting in XX/XX/2018 all payments would be reported after my forbearance period, refer back to taped phone calls with your company. As of today, they are still not being reported. This issue will not be resolved until my payments are all properly reported with the credit bureaus. Per your representative, XXXX XXXX he suggested I find another bank to refinance my loan, I have yet to do so since XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX   Loan Originators stated, " XXXX XXXX XXXX XXXX needs to report all payments with the credit bureaus. This can easily be resolved by the company submitting a report showing all payments that are missing as now being reported, " Paid. '' Your company is once again, holding me back from now refinancing and then selling my home. When will this end? Lawsuit?? Media? You t
ell me as XXXXne of many consumers I am finding out that have gone through this same issue, XXXX XXXX   XXXX XXXX not reporting payments with their mortgage loan to the credit bureaus. 

Your representative XXXX XXXX did not return calls nor emails all of the time, especially when he stated he would contact me back. Instead CFPB would send me an alert stating you submitted a response to my complaint. I have contacted your company again this week, this morning to address the missing payments. When is this going to be so easily resolved? This is a HUGE issue, problem that continues ... 

I thought your company Motto was to help and support all veterans. I have other coworkers that are having the same issue with XXXX, not reporting all payments with regards to their mortgage loan. Seems I am not the first. I never had problems with car loans nor bank accounts with XXXX, seems only the mortgage sector of your company has the issues. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (TN)

I lost my wallet and it had my card in it on XX/XX/year>, Along with my phone. My phone was unlocked and I keep all my codes and passwords in my notes {$4800.00} was stolen from my chime account I filed for fraud but they denied my dispute. I would like a refund seeing as I did not do these charges. They only returned one transaction of {$300.00}
Consumer complaint received 2024-07-02
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Accounts Service Team Inc. (TN)

On XX/XX/XXXX, a collection amount appeared on my ex-husband 's credit report. He contacted the Financial Accounts Service ( FAST ) team and spoke with a representative named XXXX. XXXX informed him that they had several collection accounts on file for us and had affidavits prepared for court. 

One account was for a rental instrument from a school band. We returned the instrument on the same day ( XX/XX/XXXX ) to the rental company. The rental company confirmed that they would speak with FAST, moments after I returned the instrument, a FAST representative XXXX called me. 

I informed him that I had just returned the item and wanted to send proof. I requested an email address to send the documentation. He became combative and aggressive, talking over me. When I attempted to provide my email address, he interrupted and mentioned the name of an old employer, irrelevant to the situation. He then refused to speak with me further and transferred me. 

The second representative was equally combative. He refused to send any documents via email or fax, offering only to send an account balance letter to a physical address. I provided my work address, but he refused, citing " third-party disclosure '' concerns. I reiterated my request for all documents, not just a balance statement. He then claimed he couldn't provide any documentation because I was outside of a " validation period. '' I never received any prior notice about this debt. I explained this to the representative, but he brushed it off, suggesting I might have thrown away the notices. He then brought up another medical debt and told me to " pay my bills. '' Finally, after repeated requests, he provided an email address for me to send proof of the returned instrument. 

I requested a reference number for the call, but he claimed they don't provide them. When I asked how to reference the call if I needed to speak with a manager, he claimed to be the manager. I requested his last name, but he only gave his first name, XXXX. 

This collection agency is reporting nearly {$4000.00} in debt on both my and my ex-husband 's credit reports. Neither of us received any prior notification from FAST regarding these debts. 

Details : XXXXXXXX XXXX XXXX  ( XXXX  ) : XX/XX/XXXX - {$1900.00} ( This date seems like a possible error, considering it's in the future ) XXXX XXXX  : XX/XX/XXXX - {$790.00} XX/XX/XXXX - {$270.00}
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (TX)

XX/XX/year> I received a email saying my account is temporarily frozen and to call immediately. I called them within a hour of the email, The representative told me my account was investigated and was being closed and the money was being sent back to where it came from. I asked for more information and didn't receive it. I hung up and called again, This representative told me the same, but added that my account was closed because they couldn't verify one of my deposits. Which was from a student XXXX XXXXXXXX from the united states government. I told them I could provide proof, and the woman just said we are going in circles, your account will be close and we are going nowhere. when i asked to speak to a supervisor she just sat silently and was treating me like a criminal who stole money. I said nothing rude, and used no profanity yet she tried to say if I used profanity she would need to hang up. I told her I haven't used profanity and after that she didn't speak again. Both staff were completely rude and unprofessional. 

These funds were a XXXX XXXXXXXX that I transfered from my fidelity account to sofi.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

Experian credit bureau is showing that I have delinquent accounts on my credit report. 
This is not accurate. 
I have asked them to provide me with the merchants information. I have excellent payment history with XXXX and XXXX credit bureau and they don't show anything delinquent accounts on my report. I have made another dispute against them with CFPB, they still haven't addressed it. This is causing me severe issues due to the inaccurate information on my Experian credit bureau report. 
There's no way to reach them by phone, I have sent Experian credit bureau letter asking for the information on the delinquent accounts and haven't heard back. Please assist me with this matter.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (GA)

NCB Collection with account # XXXX opened on XX/XX/XXXX XXXX ( b ) and a balance {$11000.00}. This account was charged off and no longer owe money to this creditor but it's still showing a balance due. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX XXXX ( b ) and a balance of {$2000.00}. This account was off and no longer owe money to this creditor but it's still showing a balance due. 

XXXX XXXX XXXX with account # XXXX opened on XXXX and a balance of {$6200.00}. This account was charged off and no longer owe money to this creditor but it's still showing a balance due.
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX XXXX XXXX - Portfolio Recovery Associates , LLC is harassing me and violating my privacy at my place of residence via a third-party courier acting on their behalf. The courier is seen on my XXXX video yelling my name loudly and repeatedly on my walkway, driveway, and in the street for the public and neighbors to see and hear. This falls under Public Disclosure of Debt : Yelling out my name repeatedly in a public setting, especially in a way that could alert neighbors to my financial situation, can be seen as an attempt to publicly shame or embarrass me. This could be a violation of the FDCPA, which prohibits debt collectors from disclosing debt to third parties ( like neighbors ). Invasion of Privacy : The behavior of the courier invading my private space ( my driveway, and walkway ) and creating a disturbance can be construed as an invasion of my privacy, particularly if it causes distress or embarrassment, which it did. Harassment and Abuse : The repeated shouting can be seen as an attempt to intimidate, annoy, or harass me, which is prohibited under the FDCPA
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

The supervisor XXXX and the rep XXXX a at Citi dispute center are unprofessional, incompetent, lazy cause they dont want to look for any into, they want everything provided to them each time and its a complete waste of time dealing with them. 
The attached disputes need to be remove from my statement They do from food that had health risk as per the Florida department of health to cramming charges that I did not agreed when renting a car. 
How is it possible that citi is allowing these fraudulent charges knowing that the people working at the dispute center dont do their work? This needs to be investigated. They purposely delay claims, until the point that the customer will get fustrated and tired or simply will forget about the dispute. That is fraudulent activity that Citi is allowing. Additional complaints with the Florida State attorney will be filed if these issues are not fixed a week from today.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I have been trying to dispute several issues on my credit reports like reporting accounts that are negative that are older then XXXX XXXX XXXX that have negative items on it from a bankruptcy from XXXX I also saw that just recently my transunion credit report dropped over almost XXXX points in between XXXX and XXXX as I get my free score through some of my card holders and I have not had any negative items no collections no judgements no nothing but ever since I started asking Transunion to look under my credit report as XXXX XXXX  had reported false information on me well even though it doesnt show on transunion however on transunion my credit score just dropped over almost XXXX points in between XXXX and XXXX and I have no idea why or how this is possible I want it corrected immediately.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, 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. (GA)

I have tried to dispute these unauthorized inquiries via phone/letter 2 times. I am being ignored this is against the FCRA. These inquiries do not belong on my credit. 



XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX - XX/XX/2023
Consumer complaint received 2024-06-18
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. (OH)

I tried to fixed this so many time but still bureaus nit response. Please delete the following accounts and inquires now. Here 's the lists XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry XXXX XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX & XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (WA)

Severe Mishandling of Account and Funds, Resulting in Significant Distress I am writing to express my extreme dissatisfaction and lodge a formal complaint regarding the repeated and unjustified mishandling of my Marcus savings account, which has resulted in the following : Unwarranted Account Lock and Transfer Blocks : My account was locked without any valid reason, preventing me from accessing and transferring my own funds. Multiple attempts to rectify this through customer service were met with delays, misinformation, and ultimately unsuccessful resolutions. 

Broken Promises and Wasted Time : Marcus representatives repeatedly assured me that issues were resolved, only for problems to persist. This has caused me significant frustration and wasted countless hours on the phone and dealing with the fallout.

Loss of Control and Security : Marcus 's actions have deprived me of control over my own money and created a deep sense of insecurity about the safety of my funds. This is unacceptable and has caused me considerable anxiety and distress. 

Lack of Accountability and Customer Service : Throughout this ordeal, Marcus has demonstrated a lack of accountability for their errors and a disregard for the impact their actions have had on me as a customer.
Consumer complaint received 2023-10-26
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. (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s 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
Consumer complaint received 2024-07-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

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, I made a full payment on my car but didn't get the title until today, XX/XX/XXXX. 
I called serval times to request a duplicate and even sent a letter to formally request it. 
Nonetheless, noting happened. Every time I called Hyundai, they kept repeatedly say the letter will be sent soon.

Paid in full letter is attached.
Consumer complaint received 2024-02-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Larry H. Miller Group of Companies (IL)

I was behind on my car payment with Prestige Financial. I was trying to work out payment plans as I was off work for a while. No notice of a repossession was sent to me they came at XXXX in the morning and took my vehicle it is at Auction as we speak to get sold. It isnt showing on my credit as repossession it is showing as an open Auto loan. I am trying to get a car so I can get to work and cant because of this mess. This company was not willing to help and wont communicate with me since they took my car without notice. I still have both sets of keys.