davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Submitted complaint to USAA ( See Atch 'd letter ). 

Initial conversation with USAA Rep ( XXXX ) explained XXXX % until promo period expires. No addntl interest on outstanding balance Subsequent conversation w/USAA Rep ( XXXX ) explained zero % interest is only applicable IF you do not use your card. If you use your card - interest applies to all. 

Follow-up conversation which resulted fm my letter with USAA Rep ( XXXX ( sp? ) ) explained that XXXX % interest works like this ( 1 ) transfer done, fee applied. ( 2 ) If u use card, and say, charge {$300.00} the day following transfer, the monthly statement will reflect {$6000.00} transfer, {$180.00} fee {$300.00} current purchases PLUS INTEREST AT 21 % EFFECTIVE DATE OF PURCHASE OF NEW GOODS. 

Then, lets say you make payment of {$300.00} ( + ) to cover cost of new purchases plus interest, the min payment due ( for sake of this example we'll say it's {$50.00} ) is what is posted against your new purchase balance with the remainder ( {$250.00} ) posted against the XXXX % loan. This allows USAA to charge continuous 21 % interest on the {$250.00} outstanding balance PLUS whatever new charges are incurred. What a racket!
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I wrote XXXX XXXX and XXXX on XX/XX/, asking for full media validation and account details and requesting a dispute of a debt. Neither firm replied. I sent a second request to them via Registered Mail USPS in XXXX. 

Instead, the companies placed a derogatory item on my account, falsely asserting that I owed them. 

I included pictures of the returned telecommunication equipment, the XXXX document that verified shipment, the email acknowledging receipt, and other details. The alleged debt contains not details, itemization of charges, or a reply withing 30 days as required by the ECOA and FDCPA.
Consumer complaint received 2023-07-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-02-22
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. (FL)

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

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 an account without my instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2018-12-17
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Harley Davidson Financial Services Inc (KY)

We have verbally and in writing asked Harley Davidson Credit Services to NOT call me at my employment. They still continue and now have a third party call and state they are an investigator looking for me. I have written proof asking them to stop and have the screen shots of the work phone and messages from my employer telling me all the things that are said and asking for me to get them to stop because it is upsetting to the staff. I work at non profit church.
Consumer complaint received 2017-12-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC (MO)

I received a letter dated for XXXX XXXX XXXX from XXXX XXXX XXXX, for a medical account from the, " Current Creditor '' XXXX XXXX, XXXX. Prior to making the call today to XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, I reached out directly to Dynamic Recovery Solutions to find out about paying the debt in exchange for it being removed from my credit in writing. This negotiation was not solidified and so I advised I would not speak to them about the debt and hung the phone up. On today, XXXX/XXXX/XXXX, I reached out to XXXX XXXX XXXX XXXX, who is also indicated on the letter to find out if I had an account with them and they stated the last time I was with them was in XXXX & did not have any balance owed, nor anything sent to collections. After this conclusion and trying to call XXXX XXXX XXXX @ XXXX & receiving no response, I decided to reach out to XXXX XXXX or some other group to assist with the matter.
Consumer complaint received 2023-10-03
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sterling Credit Corp. (KY)

I called XXXX STERLING XXXX XXXX to verify why is this on my credit report i never lived in ohio and its affecting my credit they wanted my ceedit card information and i refused they started cussing me out on the phone I realized this is a scam and they do not want to remove this off my credit
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (TX)

Over XXXX hard inquiries on my credit report that I did not make : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Santander consumer USA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/23 I have made a full report on XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-07-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX  - XXXX XXXX  - XXXX
Consumer complaint received 2024-03-15
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)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Stellantis Financial Services US Corp. (AL)

According to The Family Educational Rights and Privacy Act ( FERPA ) 20 USC 1232g ( b ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public and private elementary, secondary, or post -secondary school. I would also like to add according to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that the consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed 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 customer 's nonpublic personal information. " ( XXXX XXXXXXXX XXXX ) is a financial institution by definition under that title .15 USC 1681 section 604 ( a ) section 2 states that " 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. " ( XXXX XXXXXXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( XXXX XXXXXXXX XXXX ) whether it be vebal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- - the consumer is given an explanation if how the consumer can exercise that nondisclosure option. " ( XXXX XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( 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 the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against law. 15 U.S. Code & 1681 s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code & 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( C ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 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 2023-10-30
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: DISCOVER BANK (OR)

I want the fraud disputes I opened to be reopened as I have direct evidence from law enforcement that proves the transactions were fraudulent and their repeated decisions to close the disputes are incorrect. The amounts in question were XXXX, XXXX and XXXX. I want them to review the XXXX findings and refund the fraudulent charges in accordance with their own policies.
Consumer complaint received 2023-07-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX
Consumer complaint received 2023-07-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX, I received notice that both my email address and my phone number had been unenrolled by XXXX. Over the past month and a half, I have contacted Wells Fargo a number of times to determine why my account has been restricted. I was informed that the account was restricted due to a claim from someone who sent me a XXXX for {$390.00} on XX/XX/XXXX. I did not exchange money through XXXX with this person, even though Wells Fargo or XXXX, I know not who, identified this person and a separate person as well, and suspended my use of XXXX for fraud. In short, there was no fraud ; no money was exchanged between me and this person and the other person, who was also a name provided to me, did not file a claim either. I contacted Wells Fargo and let them know that these claims of fraud were false and both persons contacted their financial institutions and Wells Fargo to assert that there was no fraud on my end nor did they file a dispute of a XXXX transaction. Despite an investigation which showed there was no fraud and a call from each of these other parties and their banks to Wells Fargo that there was no fraud and the claim should be closed, I have been unable to use XXXX since XXXX. When I contacted XXXX, they informed me that they could provide no assistance. When I contacted Wells Fargo, they informed me that they could provide no assistance. Both Wells Fargo and XXXX have been extremely unresponsive and unwilling to find any way to resolve this issue and allow me to use the service or provide any means of addressing this issue and resolving it. They continue to deflect the problem and blame each other rather than find a resolution to this issue. If XXXX can not handle disputes and issues with the financial institutions they contract with, how can customers get help or find resolution to issues that may inevitably arise when using their services? If banks can not address issues with this third-party vendor, then this vendor should not be able to do business with these financial institutions.
Consumer complaint received 2023-11-24
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

Applied for a loan refinance on XX/XX/2023. I was denied, without even a chance, because it could not verify my identity when it asked for several identification and was able to find my credit score. Then it reported false information according to my credit report that I had a delinquent account which has been paid and closed. I was not given and recourse, with the online system just a denial, based on generalized reasons. I would like to know why the report is different from my credit report when I have dispute the accounts, and why it said unable to verify identity, when my identity was verified by the online system. It does not make sense, I believe the decision to be unfair and would like recourse and more solid explanation from the bank.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (WA)

XXXX XXXX lowered my credit limit based on this reporting agency 's ( Innovis ) report and it is significantly lower than all the others and they refused to provide me with an actual copy of the report and the reasons for lowering my score.
Consumer complaint received 2017-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NJ)

In  XXXX   XXXX  we purchased furniture from Ashley Furniture and were told by the salesperson that we had 36 months to pay off our purchase with 0 % interest ( ~ {$3100.00}  ).  We setup our automatic payment amount of {$87.00} to pay off the principal in full within the 36 months. However, we noticed that we were still paying as of this month. When we contacted Synchrony Bank today  XXXX / XXXX / XXXX  ( who carried the card ), they informed us that we were actually signed up for the 12 month no interest promotion. We had another account with  Synchrony  for our  XXXX   XXXX  purchase which we paid in installments with no interest. We were led to believe we had a similar setup with Ashley and therefore continued making the scheduled payments. We had the ability to payoff this loan at purchase, but as stated were told be the salesperson that we had 0 % for 36 months. Now we are being billed for over {$2300.00} in interest. In order to avoid any more interest penalties I have paid the remaining balance today - but feel that the deceptive practices at  Ashley  have cost us thousands of dollars.
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Currently I am undergoing financial hardships brought about by incorrect, untimely reporting! Trying to reach any of these bureaus is a farce. I understand they are now under the control of   XXXX   XXXX   XXXX   XXXX  but frankly same old, same old. The reports still reflect incorrect information and wrong information not reflecting paid accounts and   XXXX   balances from months ago. In fact my score has not reflected positively due to this. Opinion- forget all they hype someone creates the scores and by experience they are being evidently manipulated to cause me to pay more. Someone has to have responsibility! You can not pay and go down or stay the same!
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (GA)

As I have been reading the FAIR CREDIT REPORTING ACT 15 USC 1681 section 602 a clearly states, there is a need to insure that consumer reporting agencies exercise their main responsibilities with impartiality, fairness, and must respect for the consumers right to privacy. 
XXXX, XXXX are consumer reporting agencies and I am a consumer thats the first thing .and I have the right to make my information is private and isnt just. Which is also backed by 15 USC 6801 clearly states its 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 and now I will also place laws on here that cover me as well. 
( Furnisher of information to credit agencies ) 15 USC 1681 section 604 ( a ) section 2 and subsection ( c ) also 15 USC 6802 ( b ) ( c ) And 15 USC 1681C ( a ) ( 5 ) expect as authorized under subsection ( b ) 15 U.S Code 1681 s-2 ( A ) ( 1 ) Also 15 U.S Code 1681e and 1681c, 1681b Because XXXX and XXXX are not maintaining reasonable procedures and also 12 CFR 1016.7 states A consumer may exercise the right to opt out at any time so I AM OPTING OUT OF YOUR REPORTING SERVICES!!!!
Consumer complaint received 2022-12-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ;
Consumer complaint received 2023-09-15
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)

I notified Experian and XXXX on XX/XX/2023 and informed them both I did not provide written permission to report the following account on my credit report, this account is a result of fraud : XXXX XXXX XXXX. I requested both Experian and XXXX to block and delete this account from my credit report within 4 business days. Experian and XXXX are in violation of FCRA 15 USC 1681b ( 2 ), as well as FCRA 15 USC 1681c-2. Experian and XXXX are continuing to report this account which constitutes a violation of FCRA 15 USC 1681n which is willful non-compliance.
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have opened numerous complaints with this agency only to see them " CLOSED and FILED '' upon receipt of a response be it inaccurate, incorrect or outright lies. Currently my wife are undergoing financial hardships brought about by incorrect, untimely reporting! Trying to reach any of these bureaus is a farce. I understand they are now under the control of   XXXX   XXXX   XXXX   but frankly same old, same old. A review today of my " protection ''    MYID.com -p laced by the  HR Department of the United States Government indicates the reports still reflect incorrect information and wrong information has not been corrected. I have filed with the CFBP Ombudsman and Vice Presidents office for  help but to date nothing!