davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY (CA)

I was charged a {$29.00} late fee by XXXX XXXX for statement from XX/XX/year> to XX/XX/year>. The {$29.00} late fee charge was posted XX/XX/year>. This {$29.00} late fee charge is unreasonable and a scam because XXXX XXXX was doing an upgrade/maintenance where I was unable to log into my account that weekend from XX/XX/year> to XX/XX/year>. I tried paying through their automated phone system, but it kept prompting there was an error and to try back again. Finally, I was able to get through the automated phone system on XX/XX/year> and pay. However, I was already late because my due date was on XX/XX/year>. I tried calling their customer service line on XX/XX/year> and XX/XX/year>, both times I waited on the phone for over an XXXX XXXX XXXX minutes without answer or an option for them to call me back. I should not be charged a late fee when the company failed to provide adequate, reliable means for customers to pay their bills.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (TX)

On XX/XX/year> a transfer in the amount of {$XXXX} was requested from my XXXX by Goldman Sachs account to my personal XXXX  XXXX  account. On XX/XX/year>, this transaction was reversed. Upon communicating with the XXXX representative, they let me know that my funds were not eligble for transfer to the XXXX account due to the fact that they were deposited from a XXXX bank account. I informed the representative that the XXXX account had been closed and was not available to be utilized. The XXXX agent then verified with XXXX that this account was closed & let me know that the only option to retrieve my funds from my XXXX account was via check. When I asked how long it would be until the funds would be electronically accessible, there was no answer given.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TN)

This account is paid off but is being reporting in the status area and comments area that it's charged off. I have spoken to 3 individuals at One Main and faxed over letters and screen shots showing what is being reported to the credit agencies. Neither XXXX or One Main will fix this problem. This has been on going for close to a month and half between both organizations. Each placing the blame on one another.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings (WA)

Moved out of said apartment with no balance due 5 yrs ago I have obtain rentals after living here with no issue recently these charges appeared on my credit report in collections with no notice, no explanation, and has caused problems with me getting house please address immediately
Consumer complaint received 2024-08-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (MO)

XX/XX/year>, I tried to pay off the full pay off amount, which was about $ XXXX from what they quoted me. I told them to go ahead and charge pay off amount. They then said that I would only be charged {$6100.00}. Under the impression that would be paying off the vehicle. They transferred me to third party vendor to pay over the phone, which ended up being XXXX separate transactions of XXXX, XXXX, and XXXX, all with service fees. The amount charged was {$6100.00}. More than they said they would charge me, less than what they quoted me. I call back XX/XX/year> to make sure the payment have posted to the account and see about getting the lien release sent. They confirmed the payment posted but denied me the lien release as I stilled " owed $ XXXX ''. The bank being Ally bank. I have spent more than a few hours total trying to get this whole situation figured out from trying to pay off the vehicle to trying to figure out why I still owe on this vehicle.
Consumer complaint received 2023-12-18
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: Nelnet, Inc. (TX)

This is in response to complaint XXXX. You stated that the accounts in question were reporting accurately when I have provided proof that you are reporting incorrect information such as balances and late payment status. This is my final notice to your company regarding the inaccurate information. I am demanding that you communicate with XXXX to have the balances updated, and the late payments removed. How are you only furnishing negative information to XXXX. In your response, you stated that my account was updated due to forbearance so why wasn't XXXX informed. I will attach your response along with my credit report showing the inaccurate information. If this is not updated within 30 days, I will be seeking litigation in small claims court. I am tired of trying to correct your incorrect reporting when I can just sue your company for defamation of character and gross misconduct. Please be aware that FCRA violations can be awarded up to XXXX per violation. The account that is extremely inaccurate is the account that is reporting a balance of {$4000.00} to XXXX while {$3500.00} report to XXXX and XXXX. I will attach each account that is incorrect. Update EVERY account to paid as agreed never late immediately. I am also notifying my attorney just in case we have to go to court for your negligence.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Misleading information on title loans. Predatory Loans provided in a state " WA '' that has laws that prohibited XXXX terms and interest percentage caps. Reported a different larger amount barrowed and loan month terms to credit bureaus at 36 months. When. Was told it was 30 day loan. Disputed with credit bureau 's and was awarded it to be closed and removed. Then they reopened it and reported it to the credit bureau 's That I made payment. And it was delinquent or late and owed {$20000.00} plus to the credit report. Shortly after closing account.
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (TX)

Jefferson Capital LLC sent me two letters by mail both were written in XXXX about a dept, but I trashed both letters because I thought they had the wrong person or address. 
I was later suited in court by them. When I went to court, I informed the Judge about the two letters, the judge ignored it and ruled in their favor. The judge in the case wrote on the judgement I didn't show up for court and now I have a judgment against me.
Consumer complaint received 2024-08-03
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (VA)

In the month of XXXX I tried to re-title my Navy Federal Credit Union accounts into the name of my trust. Upon speaking with a representative, I was told that i needed to submit a Application for a Trust Deposit Account and provide documents to prove I have created a trust. I uploaded the documents to the XXXX portal in my online banking account and waited a few business days for Navy Federal Credit Union to respond. I didn't receive a response until I called in to inquire about the status of my application. The response that followed that I had to submit all my trust paperwork along with a new application because the verbiage I added with my signature. I signed my name along with All Rights Reserved Without Prejudice above my name to reserve my rights. I even uploaded the Code of Virginia subsection 8.1A-308 which states " Performance or acceptance under reservation of rights. ( a ) A party that with explicit reservation of rights performs or promise performance or assents to performance in a manner demanded or offered by the other party does not thereby prejudice the rights reserved. '' I also states to the Navy Federal Credit Union representative that i have provided that information through eMessage so they know it is my god given right to reserve my rights. The representative continued to state that they could not accept my application and that I would have to submit a new one and provide all of my trust documentation. I uploaded all of my trust documents through the eMessage portal and waited for a response. When I received the response back the representative mentioned that after further review they could not honor my request to re-title my accounts into my trust.
Consumer complaint received 2023-11-03
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. (FL)

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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 Any other 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 ) 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 2023-10-25
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXX/XX/2023 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-01
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: Experian Information Solutions Inc. (NJ)

Hello, So, I have had a XXXX XXXX bank account now reporting on my credit report for almost 7 YEARS!!! I have tried everything in my power to have this account removed as it is not mine. I don't remember ever having XXXX, and i've been banking with XXXX XXXX  for years. I've tried disputing the account, hiring credit repair agencies and even calling the bureaus and XXXX themselves. i've talked to everyone from a customer service rep to those in corporate. I even email the CEO and his assistant to which that got me a response, but no help. I give XXXX my social, they can't look me up in the system or find me or the account, yet they tell me i am liable and responsible. This account has 5 late payments on my report which have devastated and crushed my credit. I am at my wits end and all i want is this to be removed. I have so many XXXX employee phone numbers, it is sick and i've waisted countless hours. I don't know what else to do. It is not my account, and i'll tell you what. I was considering banking with them and switching, but never would i ever do that now.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1666b -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. According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX XXXX XXXX XXXX pandemic during the covered period.
Consumer complaint received 2024-08-02
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. (UT)

EQUIFAXCONTINUES TO BREAK FEDERAL LAW AND VIOLATE MY RIGHTS AS A CONSUMER AS SET FORTH BY CONGRESS THE LAW IS THE LAW.

DELETE THESE ACCOUNTS FROM YOUR RECORDS ASAP XXXX XXXX XXXX XXXX XXXX XXXX VIOLATIONS : 15USC1681a ( 2 ) '' the consumer report does not include information solely as to TRANSACTIONS or EXPERIENCES ( Payment history charge off status ) between the consumer ( myself ) and the person making the report.

YOUR REPORTING OF THIS INFORMATION IS BREAKING THE LAW AS STATED AND SET FORTH BY CONGRESS ADDITIONALLY THESE ARE AN ADVERSE ITEM AND THE CONSUMER REPORT DOES NOT INCLUDE ADVERSE ITEMS OTHEN THAN : PER 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports " any other adverse item of information, OTHER THAN records of convictions of crimes which antedates the report by more than seven years '' Additionally The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account ILLEGAL. THE LEGAL Definition PER THE IRS Clearly says a Cancelled debt or " Charge off '' is Income. I never received a 1099-C FROM for the cancelled debt. These companies are writing off debt with the IRS WITHOUT sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is ILLEGALL. ALSO In Their TERMS and conditions they agreed not to share my information with non affiliates. EQUIFAX, XXXX, and XXXX is not an affiliate of these Companies nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. AGAIN I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.
Consumer complaint received 2024-07-15
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2024 I received a packet from Kohls/CapitalOne. The cover letter ( see attached photo ) stated Were excited to let you know that you have been chosen for the new Kohls Rewards Visa.

Note : You will see on the top of the letter I wrote all of my interaction notes with all organizations as I was researching how to put a stop to this.

Clearly based on the language of the first sentence I did not request a new card nor do I want a new card. The letter also indicates There is nothing you need to do right now.

I called Kohls charge card customer service and they indicated I needed to speak with CapitalOne. I called CapitalOne on XX/XX/2024 and the individual I spoke with ( XXXX? ) said there is nothing I can do as the information has already been sent to CapitalOne. Once I receive the card as long as I do not activate it I can call Kohls and they will issue me a new store credit card only. 

I then went to the website to gather more information and found that this may and can impact my credit report ( see attached photo ). I worked hard to get my credit score that score will be ruined by a card I do NOT want NOR requested.
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

I am signed up for auto-payments. I get the interest reduction for being signed up for this. However, sometimes, they just do not apply the auto-payment, and then they put derogatory marks on my credit report for missing a payment, and they allow interest to accrue, when in reality it was their mistake. They will likely also try to hit me with a late fee according to other people that have had the same problem, but as of yet I have not seen one. 
This months payment ( XXXX ) did not happen, and the reason I found out is because my credit monitoring app notified me of the negative mark. This is widely complained about online by other people and is unacceptable. 
I just manually made a payment that was much larger than the required amount, but the derogatory mark is still on my credit report.
Consumer complaint received 2024-07-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have a FHA Loan for a new built home that was not completed. The Realtor showed me this home and it was not finished. I have been having problems with this matter since the signing of the deed on XX/XX/2021. I have notified the FHA, HUD, XXXX, the State Attorney General Office XXXX XXXX, Senator XXXX XXXX, my Councilman, the City of XXXX, the Builder, and the Loan Officer and XXXX XXXX HUD Field Director I also went to several Council Meetings, and I made the XXXX XXXX as well regarding this situation. I was taken advantage of and no one will take accountability for what has during the process. I received a letter 3 years on XXXX XXXX later stating that there was in fact a warranty and nothing was ever executed. I have been fighting since XXXX XXXX when all of this chaos begin. This FHA Loan was used to purchased a new built home that was not completed at all. The FHA Loan is in fact insured and no one is doing anything about this situation at hand. I have proof of everything as well as pictures before and after.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

Hello, So XXXX XXXX XXXX. should be seriously questioned about their business practices. I applied for a loan with XXXX XXXX during the pandemic and a time of struggle and uncertainty. I had a trouble paying the loan, and therefore was put on a financial hardship plan and it was AGREED no late payments would be reported if i paid on time. However, what they fail to mention is that you can never and i mean NEVER, get ahold of anyone at the customer service number and the website is not accessible. I could not make my payment with my checking account as i was dealing with fraud and i told them i had to use a credit card. They told me no, did not work with me and have since reported 5 LATE PAYMENTS!!! What kind of company doesn't take a credit card, and oh yeah, I've disputed with the credit bureaus, I've called XXXX XXXX, hired a repair agency and nothing. They now say they don't even do financial hardship 's and that i never should have had one? what kind of business is this? i've never been late and i request all late payments be removed. Not to mention, they've taken over 30 day 's to respond and still not remove it... .that is illegal!!!!!
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

PENNYMAC LOAN SERVICES L fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). PENNYMAC LOAN SERVICES L is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).