davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
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. (IL)

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 XXXX XXXXXXXX Account name : 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 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 2024-04-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (TX)

I submitted an application to refinance my auto loan from XXXX XXXX XXXX Navy federal credit union on XX/XX/2024. The same day they told us we got approve and I asked when will our payment be. The first rep told us it will be XX/XX/XXXX but if we waited until XX/XX/XXXX to signed it a new month will reset and our payment wouldnt be until XX/XX/XXXX which would give us additional time for XXXX payment. I agree to signed the papers on the XXXX to get the additional time. Being a little hesitant I called again before the XXXX, I believe the day of my XXXX call was XX/XX/XXXX or XXXX. XXXX rep gave me the SAME EXACT information! Which was if I waited until XX/XX/XXXX to signed my paper work I will get that additional time until my next payment. Finally XX/XX/XXXX came around and I called XXXX thing in the morning. I was told the SAME EXACT information by this XXXX rep that by signing today my payment will be on XX/XX/XXXX. So we signed on XX/XX/XXXX and did all the proper steps! Once my loan was generated on my XXXX app it showed my XXXX payment being XX/XX/XXXX so I email them about this mistake. Not only did XXXX acknowledged their MISTAKE but also said they couldnt do nothing about it! Back and forth a few times through email until XXXX supervisor from loan department contact me pretty much saying the same thing that they couldnt do nothing and contract was signed already and she also acknowledged that XXXX rep made a mistake as she try to downplayed the situation! I told her it wasnt XXXX rep it was XXXX different loan officers giving me the same exact information and I know calls are being recorded so they can back track! How did 3 people mess up?? No knowledge of the products they offer or how it works! Im very upset at this situation, as also my husband is a veteran and being a bank for veterans we were treated poorly and no true solution was giving to us but have our payment increase if we wanted to make a payment on XXXX!!! I seriously super upset at the false information giving by the loan officers/reps.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX I was informed thru a credit reporting agency that my information was stolen in a data breach in XXXX. When I looked at my credit report there were multiple collections for debt that was not mine. I filed a police report and with the report from the FTC on identity theft and the officers information I sent to the debt collector, and the reporting agency. Also documents showing I wasnt in the state where the charges were being made. Upon the credit agency reporting the investigation was done there were no reports about the results of the investigation or how they still believed that the debt was mine. I have not received any documentation from debt collectors or from the reporting agencies. I keep reporting it as identity theft but nothing gets done. The debt collectors are lying and keep reporting that I am paying on the debt which is absolutely false. Since nothing was being done and I was falsely being accused of these debts I put a freeze on my credit and it has been on there for XXXX years now so I wont get another debt that isnt mine.
Consumer complaint received 2023-03-23
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. (PA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
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: SYNCHRONY FINANCIAL (CA)

My email has been used to open an account with the bank synchrony with sams club. A email has arrived to me saying i had to make a payment, although this is identity theft and i have not opened an account with sams club. The current balance in the account is {$1700.00} and a payment of {$53.00} was minimally due. The payment needed to be due on XX/XX/2024. I do have an account with synchrony but with amazon not same club.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I found out recently someone use my social security number to apply for a loan with ace I have never personally applied for a loan to anywhere.Ive tried telling the store clerk at certain aces but they arent able to help me.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (GA)

XX/XX/2023 Corelogic ran a credit check on behalf of XXXX XXXX mortgage reporting inaccurate information staging there were XXXX 30 day delinquent mortgage payments reporting from XXXX, XXXX, and XXXX from XXXX XXXX XXXX XXXX XXXX. After further review, neither XXXX, XXXX, XXXX, or XXXX XXXX stated they ever reported or furnished this information on my credit profile. I am unable to open disputes with the bureau 's nor creditor for what they never reported. 
This information is costing my earnest money and appraisal on XXXX investment properties as the lender isn't willing to move forward due to this inaccurate negative reports. I contacted Corelogic who gave no true answer as to how they gained this information that's not accurate. The process to investigate and dispute information with Corelogic is 45 days, outside the legal limits of 30 days and no way to expedite the process due to the urgency of losing thousands of dollars along with the properties under contract.
Consumer complaint received 2023-04-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SANTANDER HOLDINGS USA, INC. (NJ)

The debt is very old Im getting letters from law offices. There was a class action and I was told I was cleared a couple of years ago. But Im still getting theses letters. 

{$11000.00} letter states it owed XXXX XXXX letter stating Im owed the same amount
Consumer complaint received 2023-04-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc. (TX)

On XX/XX/2023 I sent out letters regarding inaccurate and unknown things on my credit report to XXXX, XXXX, and XXXX. On XX/XX/2023 I sent a certified letters to both The Bureaus Inc and XXXX XXXX XXXX XXXX with no response from XXXX XXXX XXXX XXXX regarding this very important matter. This is effecting my credit score and how I provide for me and family. I feel like in this moment I am be taking advantage of and my concerns are being reduced to something of no importance because my disputes are being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days which means it needs to be deleted promptly. I demand these accounts to be removed immediately or I will have no other choice but to file for litigation due to the stress this has caused me and my family. My information has also been impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I want the inquiries deleted on all 3 credit companies it's been years since I really checked my credit report now that I checked it I noticed I have way to much inquiries that was not me authorizing any so that's a problem
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (TN)

On XX/XX/XXXX I was informed via the Navy Federal app that my credit card was in litigation. I called navy federal and was given an attorneys office number. I called the attorneys office on XX/XX/XXXX and requested proof of debt. On XX/XX/XXXX I had not received proof of debt that was requested. On XX/XX/XXXX Navy Federal transferrred {$900.00} unauthorized towards credit card payments. When I contacted Navy Federal on XX/XX/XXXX I was first told that I had to contact the attorneys office so I did. When I called the attorneys office I was told by one of the debt collectors that my account was put on hold due to me requesting proof of debt and they could not do anything with my account, so I called Navy Federal back. When I called Navy Federal back I was directed to the collections department where I was told due to me not reaching a settlement with debt collector they took the money out of my account to pay towards the credit card. I then informed the Navy Federal that I requested proof of debt and I could not agree to settle until I received the proof of debt was given to me. I also informed them that when I spoke to the debt collector at the attorneys office I was informed that the account was put on hold. I also informed the representative working in the collection department that all attempts to collect a debt had to stop once a validation of debt was requested due to the FDCPA. The person working at Navy Federal stated that was not true and that they can continue to collect on a debt until I reached a settlement with the attorneys office.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My issue is with XXXX XXXX XXXX and XXXX. In XX/XX/XXXX, my loan was transferred from XXXX to XXXX. Each payment is due on the first of the month. XXXX accepted my payment on XX/XX/XXXX as shown in the document of my bank statements on page 9. According to the notification of loan transfer, a check was requested for the first payment and that was cashed on XX/XX/XXXX. According to recent correspondence from XXXX on XX/XX/XXXX, that check was also applied to XXXX when it should have been applied to XXXX. This caused a trickle down effect of appearing as though my payments were a month behind, and it was discovered when XXXX reported a missing payment in XX/XX/XXXX. 

XX/XX/XXXX check of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 

A payment was never missed. I have called XXXX multiple times and submitted many online inquiries, and they refuse to make the corrections even with proof of my bank account statements. I did not choose for my loan to be transferred, I don't understand why the proof of the XXXX payment is not enough to fix it. 

If a loan is transferred, both companies should communicate payments. This has caused me great stress and has negatively impacted my credit while there is no valid reason.
Consumer complaint received 2023-12-26
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. (GA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: I.C. System, Inc. (GA)

I have been harassed by a collection company about a bill I am not aware of with XXXX. I have never had an account with XXXX. Back in XX/XX/XXXX a fraudulent charge from XXXX XXXX on my bank account was refunded to me by the bank. Then a few month later ( in XXXX ), I started seeing a collection on my credit report. When I contacted the collection agency named XXXX XXXX XXXX XXXXXXXX ( back in XXXX ), they wouldn't listen to me and just want me to pay. When I contacted XXXX they told me to either file a complaint or deal with the collection agency as they have no knowledge of the charge and didn't have any information about the account. I filed a complaint in XXXX and thought it was resolved. Then in XX/XX/XXXX, it's another collection company that reported the same amount on my credit report. I tried to call that new collection agency again to know more about the collection, but they too didn't want to hear anything but get paid. The reports from both collection agencies have hurt my credit score very bad. I have no knowledge of this account as I never had a XXXX account in my life ; therefore, I never owed them anything. I want this collection out of my credit report.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-07-03
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. (TN)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Someone opened a Bank of America checking account. Got a letter on XX/XX/2024 with a PIN number to a debit card I did not open and the last XXXX of the debit card number. Got another letter from Bank of America saying I had an item unpaid in the account and attached a copy of a check written from Bank of America to my name dated XX/XX/2024 for {$2700.00}
Consumer complaint received 2023-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 XXXX XXXX XXXX
Consumer complaint received 2018-12-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

I had a couple of security issues surrounding the house I've lived in for over 25 years recently. So I decided to get security cameras. I had a email from this company so I responded and spoke to a lady who quoted me a price of XXXX dollars for this system. It included so I thought the front and back door camera 's. After the installation they gave you 3 days to cancel, but there was no reason to cancel it was working well. Then I finally got the bill about 30 days later and it was for over 800.00. I was floored. When I called the company they told me that some one would get back to me, no one ever did. The finance company said they went on what XXXX told them and they submitted 800+. When I spoke to someone at XXXX he stated XXXX was for the kit which I thought I was getting, but that I had an extra camera added. The front door camera. I explained to the that this was not within my budget and no one every told be anything about an extra camera I had to pay for or I would have told them to forget it. He told me that I would have to speak to someone in management who would listen to the initial call to see what was said. No one ever contacted me back so I called again. This time I spoke to a very rude lady. I explained that at the time of the sale, I asked the sales person what was better about her company and why I should go with them instead of another company that didn't require any out of pocket for cameras or installation. She was just a very nice person who seemed to be very concerned about my safety, that's how they got me. She told me they had better cameras and she was very comforting. I thought she was trying to help me, I was so concerned about what was going on around my house, that was really all I could think of. The only money this lady spoke of was XXXX. She never told me anything about 800+ dollars, she did say I would get a free camera. I feel like I was baited and switched. When I called again they told me that someone would get back to me with the voice recording of the sales pitch, but no one ever has. They are billing me XXXX a month for this 800.00+ for this equipment. I called today to get the pay off balance and to see where to send the check and they told me there is no place to send the check you have to do it on line. That was it for me. I'm not going to pay them XXXX a month for the rest of my life for this XXXX equipment I'll pay them off, but I just want to know has anybody else had this experience with this company and what if anything can I do. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (PA)

The credit card/banking companies involved are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This/These companies rec 'd payments to properly pay the account ( s ) in the name of " XXXX XXXX XXXX '' XXXX 

Despite this/these tendered payment ( s ), said company ( ies ) refused to accept the same, without cause, and, it is believed that they did not return the payment ( s ) to the issuing agent, and simply deposited these monies into its/their general fund without properly crediting said account ( s ).

This/These companies then continued to send threatening billing notices, and made constant collection calls requesting payment ( s ). Despite my efforts to properly resolve any confusion, said companies have refused to obey the law, and continued to illegally request payment.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CT)

I have contacted USAA about 2 separate accounts opened in my name by someone else on three separate occasions attempting to just pay it off.They " can not verify '' my identity to allow me to make a payment. If you can not verify my identity to pay you then you shouldn't be able to verify the debt belongs on my credit report. I have tried to pay these accounts three times to no avail.