davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (CA)

I send to navy federal that I am opting out as per the Privacy Act and it was denied that I am unable to do so. Which goes against the laws that states I have the right to choose who and how my private information is shared Per the FCRA as a federally protected consumer I am now opting out ( rescinding ) of any and all authorization I the consumer may have given you ; written and unwritten, verbal and nonverbal per 15 USC 6802. Effective immediately and indefinitely.
Consumer complaint received 2018-04-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Resurgent Capital Services L.P. (GA)

on XX/XX/XXXX a payment was posted to Resurgent Capital Service. i received a recipe stated that the payment was posted and the bal was XXXX so when i called to pay it off i was told that it was not the correct balance and the balance on the letter was a computer error this was told to me by someone saying he was a supervisor. but after talking to another supervisor for Resurgent Capital she said that the {$740.00} is what she see that was owe on the account and she couldnt get into see the account that i need to talk to the server of the account. so i explained that i was going to contact a lawyer because ii didnt want to mess up my credit for them trying to collect what not on the recipe.wahts on the letter is what i should pay since it came from Resurgent capital.its bad enough that they post that i was late in XX/XX/XXXXon a payment and reported it to the credit reporting when i ask why all they said was it didnt reach them in time and it was the timing not the date so that put me 30 day past due and its nothing they can do to remove it after i ask can the do a goodwill removal i was told no. when i pay this account i will never have anything else to do with this company i am going to file a law suit if not resolved. account # XXXX. R ESURGENT # XXXX.
Consumer complaint received 2021-01-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (WI)

Sequium calls my work number several times a week and leaves no voicemail. Phone number is XXXX. Research shows they are a debt collector from XXXX, GA and collect for XXXX, XXXX, XXXX, etc. I have no unresolved or past due debts with them or anyone else. They have a plethora of complaints about them out there on several different platforms.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (OH)

Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail FCRA as a federally protected consumer I am opting out of any and all authorizations, of sharing my personal information with any third party entity ( 16 CFR 313.7 ) - 16 CFR 433.2-433.3 Requesting to opt out any and all authorization. 15 USC 6802 ( b ). Opt Out
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

FCRA 605B, I think, necessitates the removal of any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts have inaccuracies in reporting, including inaccurate amounts and dates.
Consumer complaint received 2023-12-22
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. (DE)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2019-04-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation (MI)

I borrowed XXXX from XXXX in XX/XX/2018.The interest on the loan is 720 %, which ends up being XXXX interest. I paid XXXX for the loan back already. I started to research the loan company to find that the company isn't legal in my state. According to my state I have to pay back the amount borrowed and principal which I have.
Consumer complaint received 2023-12-22
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. (TX)

On XX/XX/2023, and XX/XX/2023, I am also exercising my right as a consumer and requesting that Experian provide the information on file used to determine the completeness and accuracy of any information during this investigation in accordance with FCRA 609 [ 15 U.S.C. 1681g ].

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them.

Please remove any information that the creditor can not verify. In accordance with FCRA 611. [ 15 U.S.C. 1681i ], a consumer reporting agency by law, must complete this reinvestigation within 30 days of receipt of my letter if they have failed to do so. 
I have not received proper validation of the below-listed charge-off accounts. 

Please delete the below-unverified charge-off account from my Experian credit report 1. XXXXXXXX XXXX XXXXXXXX Acct # XXXX Amount of {$33000.00} 2. XXXX XXXX XXXXXXXX Acct # XXXX {$1700.00}
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OR)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX, OR XXXX XXXX XXXX XXXXXXXX XXXX OR XXXX XXXXXXXX XXXX XXXX XXXX, OR XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (DE)

On XXXX XXXX an HSBC US Relationship Manager accepted my instruction to renew my maturing CD account ( ending XXXX ). On XXXX XXXX I noticed that my credit card account ( ending XXXX ) shows a XXXX available credit, and a customer representative told me that HSBC US is closing my card account due to rules of deposit account. The representative specifically told me that no action is being taken against my other accounts. During a further phone call with customer representative on XXXX XXXX I was informed that all of my accounts are being closed and HSBC US is terminating business relationship with me. During a subsequent phone conversation with a Relationship Manager via phone on the same day, I was offered no explanation on why the CD renewal was accepted but all of my accounts were subsequently closed, or any particular reason why HSBC US severed relationship with me.

I believe that HSBC US is conducting unfair practice as : Had I known that my account is closing, I would not elect to renew my CD, as I would have known HSBC US will not honor the agreed term and rate due to early closure before maturity. Therefore, considering the time from making decision of closure to initiating account closure ( I have no idea about the starting time of available credit freeze on my credit card account ), HSBC US is aware that a closure is imminent when accepting my renewal instructions, but still indicated that all accounts are in good standing. It is impossible for me to avoid the injury of losing access to account and spending power, losing potential ( and mutually agreed ) interest income, and temporary lock up of funds during account closure processing and check mailing, as HSBC, with the intention of account closure action, indicated that they would still accept my deposit but changed their attitude immediately afterwards. I also do not see how this practice benefits customers or HSBC : if HSBC decides, for whatever reason, that a specific customer is commercially unviable to transact with, then the inconsistency on deposit acceptance will only increase risk and hurt customers trust in the financial institution. Adding insult to injury, HSBC US elects to offer no explanation on any of the issues above and no possibility of reconsideration of decision. 

I also believe that HSBC US is also potentially engaging in deceptive commercial practice in accepting a CD deposit with the intention of terminating the account immediately afterwards. The blanket defense of right to close account anytime for any reason does not work here : a reasonable customer would not choose to do business with a financial institution who, in effect, is engaging in a transaction, a portion of which the business is not intending to uphold.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I've mail a letter XX/XX/XXXX asking to about out per FCRA federally protected rights but, the item is still on my credit report. Also, this item is a charge off and is considered a certificate of indebtedness which means it is income and must be removed.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX, acct # ending in XXXX is listed as a Charge Off account on all all three credit bureaus. The date opened was XX/XX/2016 and has been reported as derogatory for over 7 years. This must be removed from my credit reports.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

PLEASE UPDATE MY PERSONAL INFORMATION IN YOUR SYSTEM, I HAVE ATTACHED THE NEEDED DOCUMENTS AND LOOKING FORWARD TO SEEING MY REPORT WITH THE ACCURATE DETAILS. THANK YOU
Consumer complaint received 2023-06-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (PA)

We terminated an apartment lease that started on XX/XX/XXXX, early due to safety concerns about non-locking windows. We first filed a complaint on XX/XX/XXXX. After documented and repeated complaints to the Apartment Management. the problem remained unfixed until we already secured another rental and moved out early on XX/XX/XXXX. XXXX. Even though we felt the apartment was uninhabitable, we still paid the 2 month penalty fee for termination. The apartment company then proceeded to add a 3rd month penalty and called it a insufficient notice fee in the amount of {$2200.00}. The lease documentation, as evaluated by tenant/landlord attorney we hired, mentioned that this fee was insufficient notice before the end of a lease term and unrelated to early lease termination, which already had a 2 month early termination penalty fee, which we paid. The {$2200.00} unjust fee went to collections on XX/XX/XXXX and is a permanent stain on my credit report.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (IN)

XXXX - Received a credit card from Milestone Mastercard in the mail that I never applied for. Called multiple numbers until I called XXXX and spoke to XXXX in the Fraud dept. I told him I never applied for this card and he stated they will do an investigation and have charges removed as well as remove it from my credit report. He also stated that they will send a letter when investigation is done to my home address. Amount of CC was for {$700.00}. 


XXXX -Received multiple letters from XXXX XXXX stating that they need more information in order to verify me. I have not replied. The letter stated that if they do not hear from me with the info requested ( DL, DOB, SS #, address ) they will close the application. XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX, XXXX, DE XXXX.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a balance of XXXX with XXXX XXXX but its reflecting on my report a balance that is incorrect I have proof it is incorrect and have asked the bureaus to remove these collections from my credit report immediately there was a mix up between me and my son name and the small details of sr and jr been confused in certain circumstances I ask the bureau to please correct and remove this negative account
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Code $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am a Capital One Bank, long-time customer. They offered me XXXX and I agreed to use installed in the bank account app. I trusted this service as I trust most of Capital One 's products including a credit card Quicksilver. Unfortunately on XX/XX/XXXX, My wife and I suffered a scam A person hacked my aunt 's XXXX account and my wife got a phone call impersonating my aunt crying and screaming her asking for desperate help for her son in trouble in a different state where she lives. My wife texted me about the situation while I was at work. And I sent money through XXXX to the persons that were about to put in problems, my cousin. I sent {$180.00} to a person named XXXX XXXX phone number XXXX XXXX XXXX and {$500.00} to XXXX XXXX phone number XXXX. My wife sends also {$300.00} through XXXX with XXXX XXXX. After I tried to call my aunt with no luck we got suspicious then a parent called me about my aunt 's account on XXXX being hacked. 

I immediately called the bank to cancel these transactions after an hour but the security department at Capital One indicated to me that they couldn't stop the transaction and that I would receive a temporary credit for this amount till they investigated that a team would call me for more information the employee never ask me what happen he just proceed to open a claim. This never happened no temporary credit, no refund Nobody called me to see what happened. After almost 2 weeks they told me my claim was denied cause I authorized the payments. I tried to go and talk to a manager and he did the same didn't ask me what happened and just told me there was nothing to be done. 

I never received advice from the bank that there are not protection fraudulent situations. 


In the end pain, anger frustration hit my family, I contacted the persons to whom I sent money and I got to talk to them on the phone They denied everything and refused to give my money back. My wife got her {$300.00} back from XXXX XXXX Capital One refused to help or even notify authorities about this scam.I lost money and the bank gave no support and very little orientation about XXXX despite their being part of the bank consortium that owns XXXX.
Consumer complaint received 2019-06-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America ( MBNA ) was the 3rd party that compromised my Huntington National Bank Visa credit card account on XX/XX/XXXX and FIA Card Services may have initiated that breach. Bank of America acted fraudulently when it created a fictitious account on XX/XX/XXXX without a Credit Card Agreement to allow FIA to recklessly transfer a credit card account originated by Huntington in XX/XX/XXXX. XXXX XXXX XXXX attorney for Bank of America filed a false claim in XXXX XXXX XXXX  Court on XX/XX/XXXX pursuing {$4800.00} more. Bank of America was already unduly enriched by demanding and receiving payments from me from XX/XX/XXXX - XX/XX/XXXX on an account not legitimately owned by them. Bank of America/FIA Card Services and attorney XXXX XXXX XXXX XXXX are violating the OCC Consent Order # XXXX dated XX/XX/XXXX. Bank of America is corrupting the banking system with what appears to be racketeering and XXXX XXXX XXXX is perverting the justice system by getting a Judgment for them on a fictitious account with no account agreement. Bank of America did not and can not produce the credit card account agreement they referenced in their response to my original complaint # XXXX referred to the CFPB by the OCC via my Case # XXXX on XX/XX/XXXX. The correspondence received on XX/XX/XXXX from Bank of America in response to my initial complaint is unacceptable and erroneously dated XX/XX/XXXX.