davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
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. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

There are incorrect addresses on my credit report and I would like those addresses removed immediately. I would like my correct address added to my credit report. I have tried to update my address to my correct address and remove the incorrect addresses with an dispute with Experian and no resolution has been made. And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In gonerallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannol be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information rolating 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 2024-05-22
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. (AZ)

I am writing to express my frustration with the dispute process regarding items on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. The items in question are unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: WLCC (NC)

Was applying for online XXXX XXXX  of the loan brokers asked for payday and routing XXXX  and checking account # said loan processing. Never got anything else but money in my account {$500.00}. Nothing but text XX/XX/XXXX saying payment due XX/XX/XXXX. No truth in lending docs no nothing. I would never sign for a loan pmt on first of month as rents due and paycheck enough for rent and food and gas till the XXXX! XXXX was {$310.00} on a {$500.00} loan I got no idea how many payments this loan is either. This another one of those XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hello, I have always monitor my credit and have kept it above XXXX credit score, however, recently My credit score dropped XXXX points. It is unclear why the credit score dropped XXXX points. I have been making my payments on time, and never defaulted. 
In an attempt to contact the credit agencies, they really dont have a way to answer why the credit has dropped substantially. I feel that this needs to be corrected on my credit report and it should allow other citizens to be able to file a dispute with the credit agencies. This greatly puts citizens at a disadvantage when they attempting to get a loan as their interest rate will be higher due to the lower credit. It only benefits, the banking institutions and the credit companies. Thanks for your time look forward to bringing attention to this!
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (GA)

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), there is a necessity to ensure that consumer reporting agencies carry out their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to ensure my private information is not shared, supported by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The furnisher of information to credit agencies is considered a financial institution under this title. 
15 USC 1681 section 604 ( a ) ( 2 ) states, " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The furnisher of information to credit agencies, XXXX, and XXXX do not have my consent to furnish this information, nor do they have my written consent. Any and all consent given to XXXX, XXXX, or the furnisher of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is revoked. According to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option.

Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item being reported without my permission, which is against the law. According to 15 USC 1681s-2 ( A ) ( 1 ) ( A ), " 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. '' Furthermore, 15 USC 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (IL)

I looked at my credit report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting ACT whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ Name of Accounts & Account numbers ]. are not complete and accurate. [ XXXX XXXX XXXX XXXX ] open date is not reporting correctly to this account is not accurate. [ XXXX XXXX XXXXXXXX ] open date is not reporting correctly to this account is not accurate. [ XXXX XXXXXXXX XXXX XXXX XXXXXXXX ] open date is not reporting correctly to this account is not accurate. XXXX XXXX XXXX XXXX open date is not reporting correctly to this account is not accurate
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

Chase bank locked my account due to what they said was unusual activity but accepted 2 direct deposits from my job and won't give me my money, they told me they are holding my money for whatever reason so basically stealing money I earned from my job
Consumer complaint received 2024-05-22
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

I took out a personal loan with USAA. A few days later I opened a checking account with USAA. I received the loan proceeds in the mail and mailed the check using a deposit slip to be deposited into my USAA account. The check was deposited on XX/XX/year> and there is a hold on the funds over the {$5500.00} threshold. However it is an On-Us transaction and they will not remove the hold, which is lifted on XX/XX/year>. The reason I was told is their automated system said the hold can't be removed. They didn't offer to let me speak to a manager for an exception.
Consumer complaint received 2024-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (FL)

I applied for the forbearance of 18 months through my mortgage company during the Covid epidemic. That was agreed-upon, and then at the end of the forbearance. During which I was offered that HAF program which was awarded to me and gave the information to Phh Mortgage company they were given permissions to talk to Florida HAF and PHH was given permissions to communicate with the HAF representative.. Calling every day the mortgage company PHH assured me it was being sorted out. PHH was saying one thing and HAF another, I was assured that HAF was working on the problem. Now the funds are not accounted for and PHH is trying to foreclose on my mortgage. PHH has offered modification and that is welcome, however the amount of mortgage payments from HAF were not applied. The payments were escalated and they were not accepting payments. The timing of these transactions added fees and penalties to my mortgage. Now lawyers fees are added as well to try to foreclose and my efforts to stop foreclosure. Please help.
Consumer complaint received 2024-07-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SANTANDER HOLDINGS USA, INC. (VT)

I had a car loan on my XXXX XXXX arranged through the dealer, XXXX XXXX in XXXX NH. The car was insured by XXXX. It was banked by Santander. 

I had over {$5000.00} equity in the car. 

I took delivery of it in about XX/XX/year>. 

It was stolen within two weeks because the " keyless '' ignition -- computer driven -- could be and was, XXXX. 

XXXX dragged their feet and dragged their feet and it took FOREVER to get them to process the claim. When XXXX XXXX FINALLY paid on the policy HE PAID ALL OF THE INSURANCE TO SANTANDER! EVEN THOUGH I WAS ENTITLE TO AT LEAST {$5000.00}. 

Santander took ALL of the money and paid me NOTHING. 

FRAUD! LIES! 

HELP!!!
Consumer complaint received 2024-07-05
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: IQOR US INC (FL)

They have called me 14 times since XX/XX/XXXX. Left voicemails just saying call back. Have received nothing in writing from them. 

I am not calling someone back who won't provide me legally required documents regarding debt in a month and a half 's time. 

They need to identify what they are trying to collect in writing.
Consumer complaint received 2024-07-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (IL)

I am writing to file a formal complaint against OneMain Financial regarding their failure to acknowledge and act upon my request to revoke all automatic debits from my account. This incident has caused significant XXXX XXXX and inconvenience. 

On XX/XX/year>, I sent an email to XXXX requesting the revocation of all automatic debits. In my email, I explained that I was working with a law firm to handle my debt and provided the firm 's direct contact information. However, I did not receive any reply or acknowledgement from OneMain Financial. 

Despite my clear request, on XX/XX/year>, a debit of {$360.00} was withdrawn from my account, resulting in an overdraft. This action directly contradicts my request and violates Regulation E ( Electronic Fund Transfer Act ), which provides consumers with the right to stop payment of preauthorized electronic fund transfers. 

When I called XXXX 's local branch XXXX, the XXXX, XXXX, informed me that they do not have access to emails. This lack of internal communication is unacceptable. I then asked XXXX for guidance on how to file a formal complaint. She directed me to call XXXX. Upon calling this number, the agent informed me that I needed to file a complaint with the local office, and my call was routed back to XXXX. This circular process left me with no resolution and added to my frustration. 

Furthermore, XXXX then stated that the branch XXXX was on vacation and that he would contact me upon his return. This lack of accountability and proper handling of customer complaints is highly disappointing and unprofessional. 

I am seeking immediate resolution to this matter, including the reimbursement of the overdraft fee and assurance that all future automatic debits will be halted as per my original request. OneMain Financial 's failure to comply with my revocation request and the subsequent mishandling of my complaint demonstrate a clear violation of consumer protection regulations and a disregard for customer service. 

I trust that the Consumer Financial Protection Bureau will take the necessary actions to address this issue and ensure that OneMain Financial adheres to the regulations designed to protect consumers.
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (MD)

For months, I have been in contact with U.S. Bank regarding a payment of {$32000.00} that was instructed to be disbursed to me. However, they only deposited {$22000.00} into my account, citing internal miscalculations. Despite my efforts over the course of at least 6 months, we have ceased to resolve this matter through various communications, I have encountered persistent inconsistencies and misleading information from U.S. Bank. 

Initially, U.S. Bank informed me that only {$22000.00} had been deposited. Subsequently, their records indicated a payment of {$27000.00}, which still did not match the originally stipulated amount of {$32000.00}. Finally, they stated that the entire {$32000.00} had been deposited, yet their figures remain inconsistent with what was expected. 

These discrepancies have caused undue frustration and concern. I kindly request your assistance in facilitating a resolution to ensure that I receive the correct payment amount as initially instructed. 

Thank you for your attention to this matter. I look forward to your prompt response and a swift resolution.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Received a phone call from a woman claiming to be with Capital One stating that they were confirming I was opening a new account with them. I told them I have not submitted an application for a new credit card. She transferred me to a man and he was with Capital One and that there was fraudulent charges on one of my credit cards with them. He claimed he was putting a freeze on my credit card accounts and could do the same for any additional cards. I had given them all my personal information, including date of birth social security number, and banking information. I was on the phone with them for over XXXX hours and they continued to tell me they were working on clearing up all these fraudulent charges with the companies trying to make the charges ( XXXX XXXX XXXX ). He was very polite and answered my questions professionally. They even texted me passcodes to verify account information. The number they called from was XXXX.
Consumer complaint received 2024-07-08
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: BARCLAYS BANK DELAWARE (OH)

On XX/XX/year>2024 I booked a prepaid rental car reservation through XXXX & XXXX XXXX XXXX XXXX totaling {$170.00} that I paid for with my XXXX account linked to my debit card & personal checking account. We picked the rental up on XX/XX/XXXX & used our Barclay 's Mastercard to cover the deposit required to rent the vehicle, as we already prepaid for the vehicle on XX/XX/XXXX. We returned the vehicle as scheduled on XX/XX/XXXX. The following week, I discovered a charge for {$440.00} on our Barclay 's Mastercard that was used for the deposit. I immediately contacted XXXX via email to inquire about the charge as email is their only method of communication. Only XX/XX/XXXX, I received a email response indicating I had been billed for an additional cleaning fee & the charge was determined to be valid. I emailed back requesting photos or evidence of the need for additional cleaning as I'm sure we returned the vehicle in the same condition we picked it up in. The same day, XXXX responded indicating they were going to investigate further & get back to me. I never received any further correspondence from them. As a result, I filed a dispute with my Barclay 's Mastercard later that week. I sent Barclay 's evidence of my reservation & total cost for the rental as well as my prepaid charge on my XXXX  account that was paid in full ; as well as the email exchange between me & XXXX XXXX XXXX confirming they never responded to my request for proof. I spoke with at least XXXX different agents & XXXX Sr. Account Resolution Specialists at Barclay 's trying to resolve the matter. I received a letter dated XX/XX/XXXX from Barclay 's indicating they denied my dispute due to insufficient evidence that services were not rendered. I called back requesting XXXX call backs twice. The last dispute  specialist who called me back simply regurgitated what was stated in the letter & told me if I have further concerns to write into the CEO 's office as I could not speak with his XXXX. I explained several times I was not disputing the fact that services were rendered. I was disputing the undocumented cleaning fee that has no evidence to support it. The XXXX did nothing to resolve the matter.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days. The other bureaus have already removed this account from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how this account was verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of this account from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX
Consumer complaint received 2024-05-22
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. (IL)

Did not consent to unauthorized inquiries the inquiry was not authorized. Also, the inacurrate addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX