davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Finance Company, LLC (AZ)

I write this to explain the lack of consideration or repeated attempts to have this organization from continuing harrasing me regarding a late credit card payment. On XX/XX/XXXX my XXXX XXXX XXXX XXXX XXXX  at my mother 's residence while my family was out of the country on vacation. Upon hearing the news, I drove cross states lines to immediately be on site. Through the turmoil and trying to discover the reason for the unexpected death, I was contacted by Continental Finance ( phone listed below ) in an attempt to collect a payment on XX/XX/XXXX. I informed them of the situation and to please stop calling me 4 times a day at randon times to collect a payment and that I would resolve the matter as soon as I arrive back home. The calls did not stop. Since I was out of my home state, the calls would come prior to XXXX since they apparently were not aware of the time difference and after I have talked to them multiple times. In the last three days alone, I have personally received 9 calls from this organization. Today I arrived back home and as promised, I called them to make a payment on my account. During the call ( 24 mins on hold ), I received two calls from them as I was attemping to make the payment. The representative informed me that they are not dialing the numbers manually and that they do not have control on how the calls are made. That their organizations back end system calls throught the day and their goal is to make sure their clients receives payment. So, my personal privacy nor my families time is valuable to them? I asked him plainly and clearly after I explained to him again my brother 's untimely passing on, " how much do I owe your organization so I can determine how much my brother 's life ment to them ''? He informed me {$100.00} dollars. He asked me " why couldn't you pay the balance then ''. Which I explain that I was not aware of the cost of burrial, travel and expenses while I was gone, during the holidays at that, so therefore I wanted to ensure I have the reserves to pay not only the {$100.00} for my credit card but also all the unexpected expenses. This company is notorious for this and not the first time either. I have been XXXX due to a XXXX XXXXXXXX and due to a XXXX XXXX ( that I developed after XXXX ) and both times this organization did the exact same business practice. I want to bring this to your organization 's attention since according to your fair debt collections practice, this organization is not playing by those rules. Please contact me directly if you have any question or if you would like to see call logs outlining the information I have provided.
Consumer complaint received 2017-12-16
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. (FL)

I am sending this final goodwill letter in regards to a reoccurring problem by the credit bureaus and creditors continue to place inaccurate information and errors on my credit file. I have contacted each credit bureau by mail sending certified letters, previous recorded phone calls with supervisors and managers that I have on record, a complaint with the FTC, a law suit filed against all 3 credit bureaus along with a separate law suit against the creditors listed in the letter I have attached to this complaint. This is my final attempt to reach you. Please read the letter carefully and take it as a serious matter. It is not a threat, its a final good will letter.
Consumer complaint received 2023-07-15
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. (NC)

Lender keeps charging off account every month negatively effecting my credit score. I have disputed multiple times and it is being verified as correct. I have talked with the creditor. The account was charged off on 2019
Consumer complaint received 2017-03-15
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (NJ)

I had an account with PNC Bank. I was given checks by a family member, which I then deposited in each of my PNC accounts ( Spend, Reserve, and Growth ). Then, I was informed by the family member that he thought he grabbed the wrong checkbook, and used one of his old accounts. So I knew the checks would be returned. I called PNC to notify them and also stopped into my local branch to notify them. I had used {$200.00} of the funds made available immediately. However, the bank had placed a hard hold on my account when I found out as I tried to deposit {$500.00} through the ATM to make sure that my account did n't go into a negative balance. The ATM would n't allow me to make the deposit, so I stepped inside the branch to do so. I asked the bank employee to make a deposit in each account and she told me that she would just deposit it in the spend account ( which did not have a negative balance ), and transfer it over to the other XXXX eventually. After a few days, the money was still not transferred over and the bank had started charging me c '' continuous overdraft '' fees of $ XXXX per account. I contacted the branch and they reversed the fees. However, on the day after the reversal, the bank charged me continuous overdraft fees once again, then closed the account. When I called the branch to tell them, they said they ca n't do anything about it because it 's closed and offered me a {$20.00} stop & shop gift card. When I spoke to their closed accounts department, they told me they ca n't reimburse me because they already gave me courtesy reimbursements. Now, I would never have in tired those fees if they 1 ) had n't put a hard hold on my account, and 2 ) the bank employee was n't too lazy to write out XXXX deposit tickets so I could make a deposit in each account. I do n't mean to make a XXXX over {$14.00}, but there 's no reason they should have it for something that was in their control. I had enough funds in my spend account to cover the negative balances of the other XXXX accounts, but they would not transfer it over.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

I've had a year-long wrestling match with Wells Fargo about a business savings account. 

The accounts I opened for The XXXX XXXX XXXX in XXXX are : XXXX XXXX The prior accounts for the same LLC opened in XXXX are : XXXX Last week, Wells Fargo informed me that the XXXX accounts were opened correctly -- not requiring signatory from The XXXX XXXX XXXX, XXXX XXXX member of the XXXX. 

They informed me that the XXXXXXXX  accounts were opened incorrectly -- and did NOT require signatory from The XXXX XXXX XXXXXXXX XXXX XXXX member of the XXXX. 

Throughout XXXX, I was informed by prior Wells Fargo reps it's the law Wells Fargo get signatory from members who hold more than XXXX XXXX 

I need copies of the law which prove what they're claiming is legally accurate.
Consumer complaint received 2024-01-12
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. (KS)

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. 

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 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have called four times and spoken with someone from Equifax to remove the disputed listed on my credit report on accounts that I did not open. It is preventing me from getting approved for a mortgage loan and I have tried repeatedly to get them removed. Each time they tell me they have but each time my credit is ran again to check and they are still there.
Consumer complaint received 2024-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPL Recovery Solutions (TX)

A Guy Named XXXX XXXX From A JL Recovery Company Is Calling Me And Harassing Me. He's Called Me Twice This Week And Says He's Calling On Behalf Of A Client, But Won't Tell Me The Clients Name. I Believe This Is A Scam And I Want To Make A Formal Complaint Against This Company. XXXX Was Very Vague And Wouldn't Disclose His Company 's Information.
Consumer complaint received 2017-03-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (IL)

I HAVE A HOME EQUITY LOAN WITH CHASE BANK THAT WAS FROZEN WHEN THE REAL ESTATE MARKET CRASHED. SINCE THAT TIME I HAVE MADE ON TIME MINIMAL PAYMENTS MONTHLY. LAST YEAR I APPLIED FOR A MODIFICATION TO THAT LOAN BECAUSE THE BALLOON PAYMENT WAS COMING DUE WITH CHASE BANK. I FELT I NEEDED THE ASSISTANCE BECAUSE MY WIFE IS A XXXX AND THE DOCTOR AND HOSPITAL BILL HAVE BECOME A REAL PROBLEM. I WAS TURNED DOWN BECAUSE CHASE BANK STATED I HAVE BEEN MAKING THE MINIMAL PAYMENTS ON TIME AND SHOULD WAIT FOR THE BALLOON PAYMENTS TO KICK IN. I CONTESTED THAT DECISION AND RE APPLIED. AGAIN I WAS TURNED DOWN FOR THE SAME REASONS. THE BALLOON PAYMENT HAS COME AND I 'M PAYING IT IN DISTRESS, SO I RE APPLIED AGAIN AND WAS TURNED DOWN AGAIN AND THE ONLY OPTIONS GIVEN TO ME WERE SHORT SALE OR DEED-IN-LIEU OF FORECLOSURE. I HAVE BEEN IN MY CONDO FOR OVER TWENTY YEARS, I 'M A RETIRED XXXX XXXX WITH A SICK WIFE, WHO IS TRING TO TAKE CARE OF MY RESPONSIBILITIES AND NEED A MODIFICATION TO CONTINUE SAME.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (CA)

My payments are being applied to the balance transfer that has a 0 % interest before putting it to my standard purchases which has a 29.24 % interest. This is causing me to be charged interest. The credit card act states that payments must be applied first to the card balance bearing the highest interest rate. Ive had several credit cards and this has never happened before. I wonder how many customers they are doing this to. This is navyist rewards credit card.
Consumer complaint received 2023-09-07
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)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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 2023-04-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (NC)

One Main Financial has an auto payment that they only control. Their website say manage payment options but doesnt allow the consumer to control their own account. I have had to cancel my payment accounts but kept getting overcharge fees and returned checks. One Main states to call them directly and make changes. I have agreed that their manage payment options is misleading. The consumer has the right to manage there accounts and not always having to call to make changes. Then when you set up autopay they keep withdrawing until they get their money which has lead to XXXX dollars in returned checks. I have never authorized multiple attempts. They remind me so much like how XXXX XXXX controled the payment options. This is abuse and they need to be stopped.
Consumer complaint received 2024-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP (NE)

I have sent a recent post about XXXX XXXX, Now this One is about U.S. Bank. I took a debt consolidation loan of XXXX with them. They sent me Cashiers check and was responsible for paying off one directly. I really regret doing this as it has been nothing short of a nightmare. I sent cashiers check to all creditors to pay off in full. I only had problem with XXXX XXXX. I tried talking to U.S. Bank about this and there response was I needed to take check to XXXX XXXX directly. Hmmm... Thats what I did. I took check straight to XXXX XXXX at XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Nebraska. I handed it to gentleman in customer service, and received a receipt paid in full. I also went to U.S. Bank and stood at counter for about an hour while XXXX who I did loan with called XXXX XXXX and tried to work this out. I think inexperience and lack of caring is a big problem here. I was given copy of cashiers check that XXXX XXXX had already cashed. Yet somehow also did a reversal. How you cash a check and do a reversal at same time is mind blowing. U.S. Bank was supposed to take care of XXXX XXXX XXXX directly. That transaction never happened. Then My loan is setup with first payment due today on XX/XX/2024. I have already setup bill payment with XXXX XXXX and they sent payment to U.S. Bank on XXXX. I called U.S. Bank and asked them why this was not yet posted. The response I got was XXXX XXXX would have sent check to me to pay off credit card. What in the XXXX are they talking about? This is a direct payment from XXXX XXXX to U.S. Bank. Now I have to believe this is U.S. Bank being inexperienced and causing these problems. In the mean time I had to endure several harassing phone call, emails, and postal mail bill collections. I have never ever been late on a bill or missed a payment until I did business with U.S. Bank. Almost Ruined my XXXX. Started off a bad XXXX XXXX. Can I get some help?
Consumer complaint received 2024-01-12
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. (MD)

XX/XX/2024 XXXX5 USC 1681 SECTION 602 There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. I am a consumer of your reporting agencies services and have the right not to have my private information shared which is backed by 15 USC 6801.It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

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 with the written instructions of the consumer to whom it relates. The ConsumXXXX reporting agencies Equifax XXXX XXXX and the financial institution do not have my consent nor my written consent to present this information. XXXX5 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. The Furnisher of information to credit agencies never informed me of my right to exercise my non disclosure option.

15 USC 1681 ( c ) ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my premission which is against the law. 15 USC 1681s-2 ( a ) ( 1 ) ( a ) states 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.

15 USC 1681 ( e ) Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sections 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2024-01-12
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. (FL)

In accordance with the Fair Credit Reporting Act EQUIFAX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights on XXXX XXXX XXXX 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 written instruction so therefore I need these accounts removed immediately
Consumer complaint received 2024-01-12
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. (GA)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after XXXX written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2022-02-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX there was an auto loan given out in my name by Capital One, and on the XXXX it was involved in a 5 car accident somewhere in XXXX. I've called everyone involved and they're doing their part or giving me pointers, Capital One on the other hand, the company that gave the fraudulent loan out only has one fraud line available. Ive called it 4 times to explain my situation, 3 times I got transferred to another fraud deparment, 3 times the call dropped on the transfer. 1 time it got through to the other department but when she put me on hold the line dropped. No call back, nothing. When I asked for the direct line to this " other fraud department '' I was told they don't have one and to just keep calling that line to get transferred to this department. The number I was calling is XXXX and XXXX. No one at capital one is taking this seriously.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I have submitted several disputes to Experian for over 6 months now ; disputing the inaccurate, misleading, and unverifiable information listed on my credit report from multiple creditors. I have asked Experian on multiple accounts to remove any and all addresses, as well as personal information that does not belong to me, nor that I have ever lived at, and Experian will not acknowledge my request. Experian has continuously sent me a response to every dispute I send them, almost immediately refusing to thoroughly investigate the accounts because I have " previously '' disputed the accounts and they came back verified. My initial dispute was submitted in XX/XX/2015. I have sent a dispute every month since then, re-disputing the accounts with more information, or with a different reason as to why these accounts should be removed immediately. I have also requested method of verification, as well as proof of verification, and they have completely disregarded my request and thrown out my investigations entirely. I do not know where to begin in regards to having this matter resolved as I am constantly having to face an uphill battle with a company who is proving they are not abiding by the law and completing a full and thorough investigation. I am requesting that you please look into this matter and have Experian complete a full and thorough investigation of the accounts listed in the attached letter. I have sent them certified/registered mail with return receipt every month, and I know they have received my disputes because they reply back with the letter indicating the dispute will be disregarded to being previously investigated. Which I am aware of, but I am giving a completely different dispute reason every time. Please assist. I thank you for your time and help on this matter. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.