davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
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)

Per the Fair Credit reporting act 15 USC 1681 section 602. XXXX an Experian are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information is not shared which is 15 USC 6801. It is also congress policy 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 personal information. The financial institution and the consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial intuition 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. '' They never informed me of my rights to exercise my nondisclosure option. According to 15 USC 1681 ( a ) ( 5 ). Except as authorized under subsection ( b ). This account is an adverse item they are reporting again without my permission which is against the law. Per 15 USC 1681s-2 ( A0 ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person believes it is inaccurate. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under sec 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. 12 CFR 1016.7 " A consumer may exercise r\the right to opt out at any time '' I am opting out of your reporting services.
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with I C SYSTEM company I believe the original creditor XXXX XXXX XXXX  sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (OH)

For Discover account ending in XXXX, 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, unwritten, verbal, and nonverbal per 15 USC 6802 and 16 CFR 313.7. And the privacy act of 1974 Effective immediately and indefinitely
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I XXXX XXXX called Huntington bank on XX/XX/2023 attempting to collect the XXXX dollar promotion reward for opening a new account. On the website it states after maintaining a XXXX dollar balance and getting XXXX direct deposits the money will be deposited into your account. The website also states a promotional code will be applied to all new accounts. The code was not applied to my account and Huntington bank is refusing to pay the money the promotion promised.
Consumer complaint received 2018-09-13
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. (TX)

I am a victim of identity theft and you are reoprting inaccurate fraudulent accounts onto my credit file that do not belong to me. I have contacted each company listed below yet they can not validate these accounts with me so how in the XXXX are hey verifying them with you? Please remove these accounts listed below and in the attached documents from my credit file immediately as they are a result of identity theft. As directed by section 605B of the FCRA notify all furnishers of this information and remove from my credit file immediately.
Consumer complaint received 2023-12-14
Product: Credit card — Store credit 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: CITIBANK, N.A. (OH)

- We paid for our Citi Bank Best Buy card over the telephone using the business account. XXXX - Best Buy said that they never received the payment. XXXX - We sent them a copy of our bank statement proving that the money was taken out of our business account by Best Buy for exactly the {$210.00} for the XXXX XXXX XXXX XXXX  XXXX. 
- Their response was that we must have gone to some store somewhere and purchased exactly that amount of merchandise from Best Buy because they lost our payment. 
- I called again and got a supervisor who admitted that we did not make any purchases from any of their stores during XXXX. And yet, this is still not enough for them. 
- During this time penalties and interest started adding up. 
- They started hitting my credit score which was over XXXX. 
- To combat this, I cancelled the XXXX XXXX, losing all of my warrantees, but I received a prorated credit for the rest of the year. 
- I paid the amount still due in order to save my credit score. 
- Best Buy is demanding that our bank, the XXXX XXXX XXXX, produce an audit trail for exactly where they sent the funds. The XXXX says that there is no such thing, but I am working my way through a process with the bank.
Consumer complaint received 2018-09-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MIDCOUNTRY FINANCIAL CORP (HI)

Around XXXX of XXXX I took out a {$2500.00} loan with a company online called XXXX XXXX XXXX. Their website left the impression that they were legally able to operate in the state of Hawaii and that they operated in accordance with the SCRA and MLA. All monthly payments were made. On XX/XX/XXXX I took out another loan with them for {$3000.00} at a 32.78 % interest. I combined my monthly payments for the two loans ( monthly payment : {$240.00} ) but the two accounts were still open. Fast forward to XXXX of XXXX when my last payment was made to them. I had some financial troubles as well as issues with my debit account. I do some research on lending laws and practices. I find out that the state I reside in- Hawaii- requires lenders to not only be licensed to do business in that state but also caps the interest rate at 24 %. I also find out that the MLA doesnt allow loan rollovers. I send an email to XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX questioning the legality of the loan. I receive no response back but on XX/XX/XXXX XXXX XXXX I receive a missed call from XXXX XXXX XXXX. I return the call at XXXX XXXX and Im told by Mr. XXXX, my account representative, that I have a past due balance of around {$1600.00} and that my account will be charged off if I dont make a payment by the end of the month reflecting negatively on my credit. I set up a payment with him. I then begin to question him on the legality of the loan and he responds by listing the companys credentials and that any matter pertaining to the companys legality is XXXX XXXX XXXX. I then ask for the Lending Agreement. He responds by saying I can either email the company my authorization to email the documents or check online in the Documents section of My account. I head to my account and none of the Lending Documents are there only the updated Privacy Act. I also see that my original loan of {$2500.00} has been closed without my knowledge and appeared to have been refinanced without my knowledge. I call Mr XXXX back to inquire about the lending documents. When I told him the only Documents that appeared was the Privacy Act, he responded with what more do you need then? He then proceeded to read of the loan details but made no attempt to send me the loan agreement. Only after calling him a fifth time did he give me the email contact so I could email the authorization but have no exact time frame of when Id receive a response. I am currently waiting for response as well as seeking legal advice.
Consumer complaint received 2021-06-28
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-12-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

On XX/XX/2023 I closed on my home and signed documents that reflect a 7.25 % fixed interest rate. My mortgage was sold to another company at a 7.65 % interest rate and upon reaching out to BOTH companies to fix this they have refused to do so stating the original lender told them it was 7.65 % and they have to adhere to it.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Yamaha Motor Finance Corporation USA (TX)

I have contacted Yamaha Motor Finance too many times to count now! I have even wrote a letter via USPS and they have verified they received it, but still no response. Im really getting aggravated at not only their lack of customer service or knowledge, but Im now even more upset in regards to my credit dropping YET AGAIN when I just paid the $ 252 monthly bill ON TIME. My YAMAHA account says current, but in the last several days my score has dropped XXXX points because THEY are reporting me 30 days late/ delinquent.. this has to stop immediately. 
I have explained my situation repeatedly to these people and they still come to us to backtrack and do the complete opposite of what they say they will do..
Consumer complaint received 2022-10-24
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. (AZ)

I sent TransUnion an FTC Identity Theft Report via XXXX XXXX Mail outlining multiple fraudulent accounts that are currently listed on my credit report, specifically the XXXX XXXX accounts ending in XXXX on XX/XX/2022, which they received on XX/XX/2022 and began processing on XX/XX/2022. I demanded that these accounts that were a result of identity theft be removed from my credit report within four ( 4 ) business days ( XXXX XXXX XXXX XXXX XXXX ) of their receipt of my personal letter, identity theft report, photocopy of my driver 's license and social security card, and utility bill providing proof of address, as these have caused me and my reputation personal harm and discrimination. I called TransUnion today, XX/XX/2022, to address why these fraudulent items hadn't been removed from my credit report, and they claimed they were not obligated to remove the fraudulent items from my account within four ( 4 ) business days, until they were complete with their 30 day investigation, citing multiple XXXX Codes as resources. For this reason, the items still remain on my report and are still causing me and my reputation personal harm and discrimination.
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-14
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (GA)

I, XXXX XXXX, the consumer and natural person, was denied credit by HOME DEPOT INC. when I applied for a Pro X Credit Card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by HOME DEPOT INC. due to the response I received. HOME DEPOT INC. is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of HOME DEPOT INC. 
If HOME DEPOT INC. fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make HOME DEPOT INC. criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ).
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I have qualified for PSLF for XXXX in a high needs school for XXXX years at this point. I have applied 2-3 times and have been declined for things such as using a hyphen incorrectly or not making enough qualifying payments. I have not missed a single payment and have actually overpaid my payments. I continued to pay my loans even when they were in forbearance. I have colleagues who competed the same program and same amount of years that were accepted. The pslf program seems arbitrary.
Consumer complaint received 2018-09-13
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AES/PHEAA (PA)

AES is not abiding by the laws that are in place when it comes to Wiretapping laws in Pennsylvania. On XX/XX/2018, AES was contacted by me. They advised that they were recording the phone call, to which I said I was also recording the phone conversation. They said they did not authorize the recording, to which I said that I only authorize recording if AES authorizes me to record the same phone call. 

The representative said she had to transfer me to a non-recorded line, and then proceeded to ask for my personal information, to which I asked if they were still recording the call. The representative then proceeded to transfer me without getting my information. I got a new representative on the phone moments later. I informed that representative that I was recording the phone conversation, to which she also said she didn't authorize recording from my end. I asked her why they don't allow authorization if they are ok with authorizing the conversation from their end. I then proceeded to tell her that the previous representative stated that I would be transferred to a non-recorded line, to which the current representative said was false. I then asked for a supervisor to which I was not given as the representative stated no such authority figure was available at the present moment. I then just let her know that I would call back and see if a different representative would corroborate everything she said, to which she was dismissive. Eventually I dialed back and got a different representative who couldn't answer any questions or concerns I had about the lack of integrity for this type of situation. 

AES needs to understand that if they continue to record any conversations without my direct permission, I have the legal right to request those phone calls or have an investigation initiated to properly dispose of any conversations that were " illegally '' recorded. I have reason to believe that AES still keeps phone conversations that were illegally recorded ( recorded without my direct authorization ).
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CA)

I hope this letter finds you well. I am writing to formally dispute and request the removal of certain late payments that are currently being reported on my credit file. After reviewing my credit report, I have identified inaccuracies related to late payments, and I am confident that these entries are incorrect. 

I understand the importance of maintaining an accurate credit history, and I take my financial responsibilities seriously. However, I believe there may be an error in the reporting of the late payments on my account. I have thoroughly reviewed my financial records, and I have not identified any instances of late payments on the specified dates. 

WELLS FARGO DEALER SVC XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WELLS FARGO DEALER SVC customer service I kindly request a thorough investigation into this matter, and I ask that you remove the inaccurate late payment entries from my credit report. Having an accurate representation of my credit history is crucial for my financial well-being, and I believe the removal of these entries is warranted based on the supporting documentation provided.
Consumer complaint received 2023-08-07
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-10
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. (AL)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

the problem arises and ived notice before credit card companies are bugging and calling me to increase my credit limits.. and i just dont care and tell them its up to them... then i cant be able to pass any credit cards anymore because of bad credit ... im so depressed on that,.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

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
Consumer complaint received 2018-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2018 my husband and I were interested in purshasing some XXXX XXXX concert tickets so we could bring our daughter to the concert. So we went to XXXX and found 3 tickets that seemed reasonable priced. We communicated with the seller and they explained that they could not attend because their daughters got in trouble and that they were not going to reward the daughters and were just interested in selling the concert tickets. So they said they were about 3 hours away from us and asked us if we would be willing to send the money through XXXX and we said no that is way too risky and we got scammed using XXXX so they said would we be willing to send the money using XXXX through our bank of Wells Fargo. And we thought well surely if anything went wrong our bank would protect us. So we sent the {$160.00} to this person and they were suppose to send us the concert tickets via transfer using XXXX. Well they never came and we tried contacting the seller afterward and they never responded again. So we went to our bank and they said sorry because we willingly sent to the money hat there was nothing they could do. So they gave me XXXX   costumer number and I filed a complaint with them and I have never heard from them and it has been 10days and they said someone would get back to me within 2 day. That is basically what happened.