davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
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. (NY)

I was just able to take a look at my credit report, and am stunned. I couldnt believe my eyes when I saw all of these mistakes in reporting! I don't know why these company is putting this on my credit report. I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 
I need you folks to fix these accounts. In the meantime, I may be denied based on all of this. Ive already tried two places. 


Please investigate and take a look at these accounts : XXXX XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX  XXXX ....
Consumer complaint received 2024-05-04
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)

This account was charged off on the following date XXXX XXXX. Since the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding deletion of the following account : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NC)

The car was repossessed and Credit Acceptance is still saying I owe XXXX. I contacted them today to request a copy of the account but was told they didnt see anything in the system under my name or under my SSN.
Consumer complaint received 2024-05-04
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. (CA)

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. 

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, has violated my rights.

15 U.S.C 1681 Section 602A States, I have the right to privacy.

15 U.S.C1681 Section 604A Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items 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 ) 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 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX  payment portal had issues and when they were notified they said they would remove the late fees. 

They have reporting this as a late payment when this is a system error on their end. 

The website and emails say to contact XXXX  support via email and nothing has been done. 

This is an XXXX error.
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to seek your assistance with a matter that has been causing me considerable concern. For the past month, Bank of America has blocked access to my account without any justification, despite my repeated efforts to resolve the issue. I am at a loss as to the reason for this action, but I suspect it may be related to a form I completed with XXXX, which granted them access to my account information due to the securities I purchased with them. When I became aware of the potential risks involved, I attempted to cancel the access granted to XXXX, but was unable to do so after Bank of America revoked my account access without explanation. 
This has caused significant inconvenience and financial hardship for me, as I'm out of the country on a business trip, and will not return until XXXX. I am hopeful that you may be able to intervene in this matter to help me regain access to my account. 
I am deeply grateful for the assistance that your establishment has provided me with in the past, without which my business would have failed. I am hopeful that with your help, this matter can be resolved swiftly and effectively. Thank you for your attention to this matter, and I look forward to hearing from you soon.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-05-05
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. (MN)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2023-08-28
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. (MA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX Balance XXXX {$15000.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NC)

I request that Equifax investigate these accounts and block or remove them from my credit report as they do not accurately reflect my credit history. I have attached supporting documents for your review. 
I appreciate your prompt attention to this matter and request that you provide me with an investigation results and an updated copy of my credit report once the accounts have been resolved. 
My information was sold and bought illegally because I was a victim of the + Equifax-data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that! was in fact a victim of this data breach
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-05-05
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. (MD)

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 2024-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (FL)

XXXX  XX/XX/XXXX my employer attempted to send my payroll via direct deposit to Juno which is the financial service where I have a checking account and digital wallet. The funds still havent shown up in the account. I reached out directly and received an email stating that the accounts are frozen unbeknownst to Juno as the bank that backs them is a partner and didnt provide them with notices as to why. They also said that my direct deposits will be returned to the source. To date ( XX/XX/27 ) my HR department has not received the funds back.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (MS)

ACCORDING TO FRCA SECTION 605B IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION. THERE ARE MULTIPLE LISTINGS FROM THE SAME CREDITOR ON MY XXXX REPORT : -NCA XX/XX/year> {$150.00} -NCA XX/XX/year> {$150.00} -NCA XX/XX/year> {$270.00} THIS IS NOT A HARMLESS ERROR AND IS DAMAGING MY CREDIT WORTHINESS. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT IN FACT EXISTS. ATTACHED ARE FILES FROM XXXX OF REMOVAL OF ACCOUNT FROM CONSUMER REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT, THANK YOU.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (NC)

Wellsfargo Bank NA sent me a notice that I was enrolled in identity theft protection without my knowledge or consent after reviewing my information. When I called in they found other accounts that were ooenef for bill pay, insurance etc without my knowledge. Upon thorough review of the 12 accounts included with dates opened and closed in the offer, namely : - XXXX Bill pay - XXXX Checking - XXXX Savings - XXXX Checking - XXXX Checking - XXXX Checking - XXXX Savings - XXXX Savings - XXXX Identify theft protection - XXXX Identify theft protection - XXXX Insurance - XXXX Insurance It has become evident that the harm caused by the identified cases of identity theft far exceeds the proposed amount. Each of these accounts represents a breach of trust and a significant violation of personal security. The dates shown in the letter detail a pattern of harm and are tied to the decline in my personal information and credit. 

Identity theft is not merely a financial inconvenience ; it inflicts profound emotional distress and undermines one 's sense of security. The unauthorized access to personal information and financial accounts results in a loss of privacy and exposes individuals to the risk of further exploitation and fraudulent activity. Moreover, the time and resources required to rectify the damage caused by identity theft impose additional burdens and disrupt normalcy in daily life. 
I would like the company to make me whole and fairly compensate me for this breach of my personal information. They offered me an amount that does not resolve or cure the issue. The company has admitted fault and this issue falls under sales practices which is similar to when the company opened up false checking and savings accounts in the past, this issue also falls under identity theft as there were two insurance account opened up and used from XXXX without my consent.
Consumer complaint received 2024-05-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (IA)

I am attempting to pay down my loan by submitting extra payments. I submitted a payment of {$2000.00} that posted on XX/XX/year>. However, when submitting a payment online there is no option to clarify that the payment is a principal only payment nor is there an area to leave a memo requesting extra payments be applied to the principal balance. I then attempted to email customer service and request the full payment be applied to the principal and not interest. The response I received advised that they " could not locate my account '' and that I needed to call in. This is a dishonest practice in hopes that consumers don't take the time to call in. Had I not called in, I would have lost {$120.00} to interest instead of paying down my loan. The default for extra payments should be in the consumer 's best interest and automatically applied to the principal. And if that's not the default, there should be a checkbox or memo option to direct that payment to the principal balance. I'd imagine there are many people submitting extra payments and unknowingly paying more finance fees.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (WI)

US BANK XXXX XXXX XXXX XXXX Wisconsin. 
The XXXX day of XX/XX/2024 my debit card is declined. I called the XXXX # and they said your accounts are being closed, you will receive a check for the balance of your accounts. That was it, they wouldnt tell me why the accounts ( 4 ) were being closed but that a letter would be mailed. The letter that came didnt say anything either. Mind you, all of my money was in those accounts, they wouldnt let me have access to them. I couldnt pay my bills. I called and called, each time getting the run around when I would get my money because they did this to me, theyve ruined my life, its almost three months now and they are refusing to close the account oh yes, but will not give me my money. Thanks so much US bank, you took away my life, cant explain why and still wont give me my money. Now in addition to this, I had other checking accounts and bills went through them which cause them to be overdrawn but they refused to let me transfer money or deposit money into them because they were being closed. Now these checking account are charged off which has affected my credit greatly. All of this, I may never recover because the rolling domino effect of not being able to make other payments. Also, the credit card I had with them, they told me on that initial call that my accounts including my credit card would be paid with the funds remaining in my checking. They didnt do that and sent my credit card to collections with negative payments on my credit. 
At several times during this circus, US bank said I did not nor have I ever had an account with them. 
Just nuts. 

I talk to XXXX different people across the XXXX XXXX  system today. I went ahead and filed a police report as they have technically stolen my money whomever wants to laugh at that can but they took it and wont give it back. When I told the branch manager this today, all of the sudden she was able to contact the district manager and this whole things is over the money being deposited into my account.. they needed proof that it was from my business which is easy to provide. Im about to lose my car, Im about to be evicted all because of US bank. Im going to see what the police say, I hope I can find a lawyer that will take them for everything theyre worth and shut this bank down. If I am able to sue to them for millions or billions I will make sure this bank never has an opportunity to take away someones life again. Please, please, stop these people. 

Of note, I came across some information that this US bank on XXXX XXXX in XXXX Wisconsin is not properly identifying individuals opening an account and hundreds of thousands if not millions of cash deposits are being made each year from unknown origins.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CapitalJ Inc. dba Juno (TX)

I tried withdrawing or transferring my funds to Another account and they cancelled each transfer. Juno or XXXX  XXXX  say they have no way to know how long until I can access my funds This started on XX/XX/XXXX th and I still cant get my funds. This hasnt been the XXXX  time and I would not recommend anyone to use Juno / XXXX XXXX 

This is on their website : We are currently experiencing issues with banking, card transactions, and direct deposits on our platform. Please be assured that we are working to resolve this as a top priority. Thank you for your patience!
Consumer complaint received 2024-05-04
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. (AR)

My XXXX XXXX account sold my account to a third party 15 USC 1681 section 602A, my right to privacy - 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization Account number XXXX
Consumer complaint received 2019-04-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (NC)

XX/XX/2011 purchased 2006 XXXX from XXXX ... vehicle financed by santander consumer for 72 months..96 months later still paying for vehicle and santander says I have a balance of XXXX ... santander sent paperwork to me to modify loan to pay XXXX in 14 months ... amount financed by santander was XXXX XXXX total of payments XXXX ... .total sale price XXXX ... .i have paid santander over XXXX on a 2006 vehicle and they say I still owe XXXX ... I have bought a lot of vehicles and every vehicle was paid in full when the scheduled number of payments were made..do not feel I should pay santander another dime to get my title.
Consumer complaint received 2024-05-04
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: Experian Information Solutions Inc. (AR)

I received the results and noticed that they did not fix nothing. There are breaking FEDERAL LAW and I requested ( Method of verification/the process and procedure used to verify information/name and contact information of person contacted/any contracts bearing my wet signature ) its been over 30 days and I received no response and thats breaking federal law again
Consumer complaint received 2024-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (TX)

I am attempting to pay off my student loans in full on aidvantage.gov. 

I have made the minimum payment for the last 5 years, and now want to pay off the full amount of the loan. When I make the payment, Aidvantage accepts the payment and says my loans are at {$0.00}. Aidvantage states that the " payment has posted '' a day later and sends me an email confirming so. Then several days later, Aidvantage reverses the payment and doesn't process it, after it has already posted. I contacted Aidvantage customer service, and they told me that they " couldn't find my bank account ''. The bank account numbers are accurate, as I have confirmed this several times. The Aidvantage portal even recognizes the bank account, because it named the bank company ( XXXX XXXX  ) in the account, without me doing so. 

I have contacted my bank and they told me that Aidvantage never contacted them or tried to make the payment request. 

Aidvtange is now charging me late fees on missing this new month 's payment, after rejecting my last two payments to pay the loan off entirely. I have read online and have spoken with several friends who have had similar experiences. Where Aidvantage won't accept their payment until they file a complaint. Once they filed a complaint, it went through. 

I attempted to pay the loan off entirely on XX/XX/XXXX. I received confirmation that my payment posted on XX/XX/XXXX. I got a reversal notice on XX/XX/XXXX. I attempted to make the payment again on XX/XX/XXXX, it was rejected on XXXX. I spoke with their customer service between XX/XX/XXXX and XX/XX/XXXX. 

I received late fees on my loan for missing my payment on XX/XX/XXXX.