davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
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: Consumer Portfolio Services, Inc. (NY)

From XXXX this year XXXX I found unauthorized unauthorized user activity from unknown person or people. For one I was informed by Human Resources my information and sons Information XXXX XXXX was stolen as to a XXXX XXXX in another XXXX it took forever to get my benefits back for two years and no retroactive payments as my son is XXXX with XXXX XXXX. Then auto accounts came a loan addressed yo ny email and confirmed it on the XXXX website and saw all these accounts being open since XXXX til XXXX. Since all these accounts although negative have not been removed, I was denied mortgage loan through the veteran Program not. An I apply for any credit card. I have suspicion my sister has been involved because she would have such information from report the changing of my nine and mispelled addresses her name is XXXX XXXX XXXX XXXX XX/XX/XXXX and has a child XXXX XXXX XXXX husband XXXX XXXX from Florida she could be using that name as for auto loans and home loans she drives and always buys q House I dont even have a driver license or house, the only one I applied for is through military. Please lI need help bc she is very savvy i lost my mom in XXXX and I came across falsified documents taking me off as beneficiary
Consumer complaint received 2024-01-23
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: Bread Financial Holdings, Inc. (NY)

I received a hard inquiry on my credit report labeled as " ComenityBank/kay '' on XX/XX/2024. This inquiry says that I applied for a new credit. This is false ; I have not opened any new credit lines. I have monitored all of my credit cards, however, I am deeply concerned that this inquiry is fraud and would like to have this resolved and also removed from my credit report. I called XXXX and XXXX who both advised me to place a report. Please advise on next steps, thank you.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NJ)

XXXX -Hard inq : XXXX XXXX ( Bank ) XX/XX/year> They have no record of me i also never requested a credit card and they cant find me in there system and would like to get removed ASAP. 

XXXX - Hard inq XXXX XXXX, XXXX XXXX They also have no record of me i also never requested a credit card and they cant find me in there system and would like to get removed ASAP. 

PUBLIC RECORD DISMSD/CLSD XXXXXXXX XXXX  XXXX No money is owed and nothing was finalize and was also got a dismiss later and was told it would be removed due to error
Consumer complaint received 2024-05-17
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Navient Solutions, LLC. (PA)

All federal XXXX XXXX loans were recently XXXX, being deemed predatory and based on false income reports and employment rates, etc. I was offered a Signature Student loan during my time at the XXXX XXXX of XXXX, as the school was requiring me to make interest payments on my loan to continue at the school and be admitted per quarter. I was unable to afford those payments, so the school recommended the private Signature Student loan as a way to be able to complete my schooling. I feel this loan also should be deemed predatory.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (FL)

A late payment is showing in my credit reports from XXXX, 1 late payment. I was XXXX  with XXXX and was XXXX from work. I missed 3 weeks of work and was able to make that payment for that month. 
Its now XXXX and I have no other issues with the company or late payments on the account. The REFUSE to assist me on this matter.
Consumer complaint received 2024-01-22
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation (TX)

This company, unsolicited, sent a cashable check to my residence wherein cashing said check was accepting a loan offer. The loan in question has a 99.83 % APR with finance charges themselves adding up to almost 50 % of the originally funded " loan ''. This is Insanely predatory and Dangerous. What if someone else got my mail or it went to the wrong house and someone cashed this? I wouldn't have ever even known until I was hit with the fees and payment schedule. Absolutely unacceptable
Consumer complaint received 2024-01-22
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: Cascade CISS Holdings, LLC (CA)

I was checking my credit report and noticed a " XXXX XXXX XXXX  '' hard inquiry. I couldn't get information confirming the authorization. Hard inquiry comes from a XACTUS - AVANTUS. I called for more information but had not received any.
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FORD MOTOR CREDIT CO. (NY)

I hope this letter finds you well. I am writing to address a matter that has been of concern to me and has had a significant impact on my credit report. I recently reviewed my credit report and noticed that there are late payments reported for my account. 

I am reaching out to request your understanding and goodwill in reconsidering the reporting of these late payments to the credit bureaus. I have taken steps to improve my financial situation and ensure that such delays do not occur in the future. 

FORD MOTOR CREDIT COMP 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 FORD MOTOR CREDIT COMP customer service.

Please check my account and, if it's feasible, take the late payments off of my credit record. This gesture, in my opinion, would go a long way toward mitigating the negative effects on my credit history and enabling me to work on improving my financial situation. 

Please let me know if there is any more information or supporting material you need, and I will send it over right away.
Consumer complaint received 2023-04-07
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. (IL)

XXXX XXXX XXXX IS VIOLATING THE LAW AND MY RIGHTS AS A CONSUMER. THEY ARE REPORTING INFORMATION THAT VIOLATES 15 USC 1681a 2 ( A ) ( i ) - THE TERM " CONSUMER REPORT '' DOES NOT INCLUDE- ANY REPORTING CONTAINING INFORMATION SOLELY AS TO " TRANSACTIONS OR EXPERIENCES '' BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT. THEY REFUSE TO UPDATE THIS INFORMATION OR DELETE IT. 
ALSO, THEY HAVE UNAUTHORIZED INQUIRIES ON MY REPORT ASWELL AND THEY TO NEED TO BE REMOVED.
Consumer complaint received 2024-05-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (MD)

The following letter was sent to the collection agency regarding account balance of {$490.00}. 

Dear Collector, I'm unaware of this debt, I didn't have opportunity to dispute this information. If in fact you believe you provided the proper notification then please send me the " certified receipt '' with my name and address on it. If you are unable to provide the said document otherwise the noted account must be removed because this is a violation of the federal credit consumer law.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: COLUMBIA BANKING SYSTEM, INC. (NV)

For over a year, I've been getting hit with a XXXX XXXX monthly 'service charge for paper stmt fee ' even though I have online statements enabled. Every time I contact the bank, they confirm my online statements are active and reverse the fee, but then it reappears the next month! This is clearly a recurring error on their end, and I need a permanent fix. ''
Consumer complaint received 2023-08-31
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. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are XXXXrequired under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (VA)

This is about the inaccuracy that is inqeuitably furnished by your organization on my XXXX Report. I came to know about this XXXX  on XX/XX/2024. Due to this XXXX, my right to extend credit had been damaged to a great extent. As a result I was discriminated against and refused the following. 

I was denied a XXXX XXXX with American Express. 

According to 15 USC 1681 ( a ) ( 3 #, Consumer reporting agencies have assumed a vital role in Assembling and evaluating consumer credit and other information on consumers.

I hereby put your organization on notice and would like to inform you that I never gave consent To this report being furnished by you on my behalf and I am also aware Of the fact that your organization assumed a vital role. As a result, My livelihood Has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. 
There, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave Responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also provide us with the details of the systems adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result I hereby demand to do the following. 

Give me the credit that's my right. 

Thank you for your cooperation. 

Sincerely XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MA)

XX/XX/XXXX : Spoke with XXXX in customer service, she indicated she couldnt waive fee, but would speak with corporate to get fee waived, but was disconnected after XXXX minutes on hold. Phone call at XXXX XXXX EDT. 

XX/XX/XXXX : Spoke with XXXX in customer service and he outright told me he couldnt waive fee, was placed on hold and he returned with same answer.

I indicated to both I do not receive bills online and do not want to receive bills in that manner.
Consumer complaint received 2023-08-31
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)

XXXX XXXX XXXX XXXX XXXX Sq XXXX XXXX XXXX XXXX XX/XX/2023 With reference to section 609 of the XXXX XXXX, I would like to request further information on the following item as recorded on my credit report I request that you provide the original documents for this information containing my appended signature and any other related information if this information is unavailable i am requesting a removal as soon as possible XXXX I XXXX XXXX XXXX recently reviewed my credit report and I found unauthorized number, account wrong listed on records etc., XXXX ACCOUNT # XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally funded yprotected consumer rights to privacy and confidentiality under 15 USC 1681. These are account I want DELETED AN ARE UNAUTHORIZED Here as no permissible use and are not accounts that I have not had relationships with and are all unauthorized an have no Permissible use and are all unauthorized an have no Permissible use.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate
Consumer complaint received 2023-08-31
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. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are XXXXrequired under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

My federal student loan servicer XXXX sent me a notice dated XX/XX/ XXXX XXXX  that states the following student loans were forgiven based on review of TEPSLF application. I have attached copy of notice that details that I satisfied loan obligations for loan sequence XXXX and XXXX Under loan program DLUCNS for amounts {$93000.00} and {$15000.00}. Please reflect the student loan discharge on my credit file from all three bureaus.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA (CA)

I carry a GM MasterCard from Goldman Sachas Bank XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX without my contest their system enrolled me in paperless statement as a result of that I missed my payment twice ( XXXX & XXXX 2024 ) since I never received any paper statement, they reported me to all XXXX Credit Bureaus which made my XXXX XXXX XXXX XXXX XXXX to XXXX, I reached to them twice to ask them WHEN & HOW I asked for paperless statement, they replied that I agreed to it ( WHICH I NEVER DID ) but they failed to let me know when and how I did that if it is true also they sais that they emailed me ( I never check my email ) I always depend on the paper statement to pay off my Credit Card XXXX XXXX of this over a lousy {$35.00} even though I had excellent payment history with them and all my other credit cards, they also charged me {$29.00} late fee for their wrong doing I paid my account in full once I found out that I was late ( By Accident ) even the Credit XXXX told me they can reverse their negative action in you have in the past excellant payment history once again I NEVER ASKED FOR PAPERLESS STATEMENT their system did that and that is why they don't tell me when and how I did that
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I did not authorize for my information to be sold to collection companies according too 15 U.S. Code 1681n Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; This is about the inaccuracy that is inqeuitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy on XX/XX/2024. Due to this Inaccuracy, my right to extend credit had been damaged to a great extent. As a result I was discriminated against and refused the following. 

I was denied a XXXX XXXX with XXXX XXXX. 

According to 15 USC 1681 ( a ) ( 3 #, Consumer reporting agencies have assumed a vital role in Assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent To this report being furnished by you on my behalf and I am also aware Of the fact that your organization assumed a vital role. As a result, My livelihood Has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. 
There, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave Responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also provide us with the details of the systems adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result I hereby demand to do the following. 

Give me the credit that's my right. 

Thank you for your cooperation. 

Sincerely XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

I had a balance of {$7.00} on my credit card. Credit card has been set-up for autopay for years and the said my autopayment was returned by my bank. They charged me a {$30.00} fee on a {$7.00} balance.