davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

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 2023-11-20
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: EQUIFAX, INC. (NY)

THESE INQUIRY IS SATURATING ALL MY CREDIT I WANT THEM ALL TO BE DELETED 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 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (NY)

( XXXX ) Check Account # XXXX Check issue date : XX/XX/2023 Check # XXXX Check amount {$8000.00} I deposit this check into my TD bank # XXXX on XX/XX/2023 This is a cashier check for the remaining funds for the account ending # XXXX even though the check is payable to someone else name ( my aunt ) but we have already updated and filed a document for the account beneficiary 100 % under my name. We have contacted the issuing bank and letting discover bank knows thats this check have already deposited under my Td bank and they are aware of that so theres shouldnt have any problems or issues for me depositing this check
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (CA)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2018-10-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I graduated from XXXX University 's accelerated XXXX program in XX/XX/2013and within 3 months my Navient ( formerly known as Sallie Mae ) private loans went into affect at a rate of {$1100.00}. As a new grad XXXX I hadn't even found a job yet and once I did find a job, my salary was not high enough to cover the loans with my additional expenses. I was able to put the loan into forbearance for a couple of months, until finding a job, but this added {$250.00} each month to my outstanding loan with interest rates as high as % 11. When I did find a job at XXXX as a XXXX working on a XXXX XXXX XXXX, my hourly wages were amongst some of the highest hospitals, at a rate of {$37.00} an hour. However, even at this hourly wage and working 36 hours a week I was not able to afford the {$1100.00} a month student loan as well as my federal student loans. I had to borrow money from friends and family each month just to make the minimum payments on my Navient loans. It has been 5 years and I continue to owe {$40000.00} on that loan, working as a XXXX and barely getting by. I had to move my entire family and life up to the XXXX XXXX just to find a higher paying XXXX job to make the minimum payments on the loan. It's not right that teachers can be pardoned from student loans considering they are public servants, but why not XXXX too? I am a slave to my student loans and I can not go back to get my XXXX XXXX XXXX as a way to provide better care to the community considering the financial limitations of the Navient loan with incredibly high interest rates.
Consumer complaint received 2023-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (IL)

On XX/XX/XXXX  I contacted Contract Callers Inc, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX to inform them Ive been a victim of identity theft and the account they are reporting on my credit file is a direct result of that identity theft. I have sent Contract Callers Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX a police report I filed with XXXX Police Department and communication made with the Federal Trade Commission about the identity theft. Contract Callers Inc has not contacted me or removed the account from my credit file. I believe this company is violating my consumer rights and I will seek legal representation if this matter isnt resolved soon.
Consumer complaint received 2018-10-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Forster & Garbus LLP (NY)

I followed every protocol according to the Fair Debt Collection Practices Act. I sent cease and desist letters within a certain time frame and I disputed the validity of the debt because it is my personal preference to deal with the credit card company directly. Forster and Garbus LLP refused to obey any laws put in place and I've had enough. I made a complaint with the attorney general office with no results. They proceeded to start a lawsuit in XXXX County Civil court despite me following all laws ( under Index # XXXX ). Please keep in mind the reason why the debt was not being paid is because my wife was laid off for about a year and a half and we have XXXX children. Some things had to fall behind in order for me to provide for my family. Now that my wife is working, I was planning on paying the debt, but before I could get an opportunity, Discover sold the account and I've been harassed ever since. They started the lawsuit ( Forster and Garbus LLP ) and never notified me. I found out from an attorney 's office who wrote me asking me to hire them to represent me. Why are laws in place if they do not have to follow them? I am asking you to please help and investigate so they can not illegally try to garnish my wages. Any help is appreciated.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4000.00}
Consumer complaint received 2023-04-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmerAssist A/R Solutions, Inc. (SC)

I received a addendum to retail contract from AMER ASSIST in which I never saw nor sign stating that I owe a debt. Again never did I give XXXX XXXX XXXX XXXX XXXX permission to share nor sell my personal information. These company have stolen my identity and made fraudulent contract. AMER ASSIST has made false report to the credit reporting agency, and now they are reporting false and inaccurate information on my report. I had to file identity theft report in which I have attached for the record. I have also attached a copy of the contact that I received from AMER ASSIST. 
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Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (AZ)

Comenity bank charged me interest after I paid my statement amount in full. Payment was made and received prior to the payment due date. I spoke to the customer service call center on XX/XX/XXXX, was told they could not remove the charge because I had emailed the card company through the website. I was then told if I did not pay the {$2.00}, I would be charged a late fee. I called again XX/XX/XXXX and was told my account had not been paid in full and I owed the interest and would be assessed a late charge. I told the girl I was not paying a late charge and wanted the account closed. she then wanted to charge a fee to process the payment by phone. I refused and said I would pay online and to close the account as I was not paying them another cent. This bank is the only one Ive ever dealt with that charges interest after you have paid the statement balance due.
Consumer complaint received 2018-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (MA)

In XX/XX/2018, I noticed that my Barclays XXXX XXXX card had many charges that I did not recognize. I asked my wife and she said she didn't make those charges. In any case, she has her own XXXX XXXX Card. I then called Barclays immediately to report the issue. At that moment, we went through all the charges that were fraudulent and they said they would do an investigation. After that call, I followed up periodically about 3-4x and each time they said the investigation was ongoing. I had multiple conversations on (  XX/XX/18 ) and Barclays took the stance that since this is a chip card, there was no way that I and someone else could be using the card unless I gave someone authorization to do so. That does make sense. 

I then asked them about a new card they issued me in XXXX. They said, " well you called claiming fraudulent charges then so we issued you a new card. '' I replied with, " can you review that inquiry please? '' After reviewing that inquiry, they noticed that they offered me an upgrade so they issued me a new card. Hence, I did not call about fraudulent activity in XXXX. 

I then asked them if there was a possibility that two cards were active during the same period because I can say for certain that I was using my card during this fraudulent period. They said that this couldn't happen. I don't believe this because I'm seeing charges from merchants that I've never been to ( XXXX, XXXX XXXX, XXXX, XXXX ). There are days that I buy gas for my automobile in XXXX, MA and this fraudster was buying gas at XXXX XXXX XXXX XXXX the next day. I only have one car and use one car. They are not willing to investigate further and have told me that I should have went to the police. I totally get that I should pay for these charges if I made them, but they aren't doing any work to figure out if it was me. They simply say, " we believe you made these charges. '' Truthfully, I spend over 50,000 a year on my card. I didn't make these charges. They also have a Fraud Guarantee but they aren't working with me to absolve these issues.
Consumer complaint received 2018-10-26
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. (CA)

I have disputed the account XXXX XXXX XXXX  XXXX with Experian for several attempts, to no avail. The account should not be reported on a credit report since this is not mine, I never sign up for this account..Worst, the credit bureaus wont provide proof of the account..CFPB please step up and remove the account
Consumer complaint received 2023-05-19
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. (CO)

In accordance with The Fair Credit Reporting act. The list of accounts below has violated by federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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  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 : States a consumer reporting agency can not furnish an 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 conviction 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 2018-10-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (NJ)

My mortgage was transferred to XXXX, then to XXXX XXXX XXXXXXXX, then to XXXX, now to XXXX. XXXX XXXX holds my half mortgage payment until they receive the whole mortgage payment. I pay them on time or within the grace period. They retain the interest they are earning on holding my half payment. They hold the half payment until they receive the other half and then apply it to my account. I called them XX/XX/18 to discuss this and they insist that it is not their policy to accept biweekly payments. This policy is not listed in the " Welcome! '' materials they sent me. I did not ask to have my loan transferred, yet again, to a company that I can not trust is following ethical and legal banking practices. The supervisor in customer service at XXXX tells me that they also can not apply extra funds to my account unless I tell them where to apply it. Logic  tells me to automatically apply extra funds to principal unless I ask them to apply to interest or escrow. XXXX insists that i have to tell them where to apply the funds. My XX/XX/XXXX payment had an extra approximately {$5.00} included. They automatically applied it to principal. Yet on the phone, they tell me that I need to tell them where to apply it. After I pay XXXX 's payment in full, if I send them a half payment on XX/XX/XXXX, they will automatically apply it to principal instead of hold it for XX/XX/XXXX payment. This directly contradicts what they said about holding payments until they receive full payments. 
I believe XXXX XXXX  is not allowing me to pay principal faster, forcing me to pay full interest when I am sending them money ahead of the due date. They are also retaining the interest earned on holding my money. It needs to stop. They are stealing my money, fraudulently holding it for their own gain, and misleading financially sound consumers trying to pay their mortgage down faster. This system is set up to fail the homeowner and only pads the pockets of mortgage companies. It needs to stop.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (OH)

I filed a claim with pnc bank for fraudulent transactions in the amount of XXXX $ I submitted a police report and also asked them to check the atm cameras which they did not check also On XX/XX/2024 between XXXX and XXXX my pnc card was used without permission at the atm the amount of XXXX by my friend also I didnt give her permission to use my card after the transactions happened I called her about the situation and she has been ignoring my phone calls. On XX/XX/2024 while I was sleep in the morning my friend took my wallet and car keys off the nightstand and Has not been answering also I have received multiple notifications that my card is being used my pin to my card is written down on a sticky note that I keep on my kitchen table also her name is XXXX XXXX XXXX XXXX XXXX XXXX the claim number is - XXXX, This is the claim number for the dispute that I filed with my bank to get my funds back My claim was denied this is unlawful
Consumer complaint received 2023-05-19
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. (FL)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX - Acct # XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX - Acct # XXXX The XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX - Acct XXXX XXXX 15 U.S.C 1681 Section 602 A states I have a 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 instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No Consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC (MI)

My former Landlord took pictures and emailed me the letter from First Source Advantage LLC. I. I longer live at XXXX XXXX XXXX I am recently married and moved to XXXX, Mi. I dont even remember XXXX XXXX I had someone else paying my bills I have a payee over XXXX check I am not able to work due to XXXXLike I said I do not live in XXXX  anymore and not at XXXXXXXX XXXX anymore mail is supposed to forwarded to XXXX.I have complained about First Source Advantage before and I former landlord has filed a complaint and told them to stop sending mail to her residence.
Consumer complaint received 2023-05-19
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. (TX)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Consumer complaint received 2018-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX is reporting a 30 day late payment from XX/XX/2016. The creditor previously removed it as per a prior complaint made with CFPB. The creditor reopened the account and is reporting the same XX/XX/2016, 30 day late payment.
Consumer complaint received 2018-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (FL)

I have had a Discover credit card for years. I saved this card for emergencies. Imagine my surprise when I tried to use it and couldn't. I contacted the company and was told it was cancelled for inactivity! No balance was owed, nor late payments made. Just because I had not used it they closed my account and I have to repeat the application process to get a new card. Ridiculous!!!!!
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed several disputes with Transunion on the XXXX XXXX account on my report there has been error after error reporting every month, this account has been charged off since XX/XX/23 but showing last payment reported XX/XX/23, at this time I no longer had possession of the vehicle, today showing missed payment on a charged off loan. I want Transunion to remove this account for inaccurate reporting and shared information without my consent. This has been going on for over 6 months for inaccurate reporting and violations. I want this account removed immediately.