davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bull City Financial Solutions, Inc (NC)

I have recently reviewed my credit report and noticed an account that was not reporting accurately. 
I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I have contacted the credit agencies asking them to reinvestigate this account listed below " BULL CITY FINANCIAL SOLUTION " open date XXXX XXXX can not be accurate and is not reporting correctly, date last reported XXXX XXXX, this account is not accurate. 
Code 15 USC 1692 & 15 USC 1692c I'm providing proof in attachment 1. Is my XXXX XXXX screenshot report 2. Is a physical letter mailed to my place of residence around XX/XX/year> XXXX bonus attachment : Experience report screenshot. 


i want this immediately deleted from my credit report due to false information, inaccuracies and using my name and credit without my consent.
Consumer complaint received 2023-12-12
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. (KS)

I went to the car dealership, and I wanted to apply for a car, and they shopped my credit around without my consent. I told them I would go through my personal bank, and they proceeded to go forward without my permission. This has affected me extremely as my scores have dropped and i have been getting denied for lines of credit.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (FL)

On XX/XX/2023 I requested a copy of CLUE report via Lexis Nexis website. As of XX/XX/2023 I have not received a copy of this report.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of the accounts below are not accurate. the open date, date last active, and date of last payment is not 100 % accurate. 

They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

i attached a consumer report as evidence.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bull City Financial Solutions, Inc (WI)

ORIGINAL CREDITOR : XXXX XXXX XXXX { BILL CITY FINANCIAL SOLUTIONS } AMOUNT : {$850.00} ACCOUNT TYPE : COLLECTION IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 a. SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USC 1666 B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON!
Consumer complaint received 2024-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (TX)

I'm writing about a concerning collection entry from your agency on my credit file. This entry has come to my attention without prior notification, and I have serious doubts about the debt 's accuracy. Under the Fair Debt Collection Practices Act, I'm entitled to request debt validation. I ask that you provide this validation and address this issue appropriately.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: TradeStation Group, Inc. (CA)

XXXX XXXX XXXX.tradestationXXXX offered a promo code XXXX  that was live on the website on XXXX XXXX XXXX. The promotion terms stated that tradestation will deposit {$150.00} to the account provided customer maintained {$500.00} in the account. I opened account on XXXX XX/XX/year> and funded the account but never got the promotion amount of {$150.00}. I contacted Customer service by email and phone. The customer service fails to reply to email and on phone denying the promo and stating the promo was invalid. However, neither in the application process or the webpage it stated it. It is click and bait strategy used by company in fooling customers and taking their money. 
The company is asking me proof about the promo. I emailed them the promo, screenshot and terms but they are still denying it. I had contacted customer service in XXXX and XXXX but they won't apply the {$150.00} bonus. Please help.
Consumer complaint received 2024-07-11
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: Navient Solutions, LLC. (IA)

I experienced high-pressure sales techniques ( calling several times a day ) to enroll in the XXXX XXXX XXXX XXXX and take out student loans, although it was never made clear to me exactly how much i was taking out. In addition, i qualified for more federal student loans, but i was told that i didn't qualify, and would have to take out a private loan with Navient ( Sallie Mae at the time ) to get the money i needed for school. Some of the loans i got with a co-signer and received a lower variable interest rate, but the following year I was instructed try to take out on my own, and i received a 12 % interest rate. 

I was told that i was at my max for federal student loans ( not true ) at a lower interest rate. I also was lead to believe that Navient was my only option. I was the only person in my family to go to college -- i didn't have someone with experience to guide me. 

Moreover, the financial aid advisor at the school took the entrance and exit financial aid counseling exam for me -- he said it was common sense stuff and he quickly clicked through the information while i sat at another table. 

After struggling for years to pay the money back, accruing thousands of dollars in interest, I was finally able to refinance the funds under another lender for a lower interest rate. 
I was truly naive. I thought schools always had the best interest for their students in mind so i didn't think twice about it. I was wrong.
Consumer complaint received 2024-07-11
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: Waypoint Resource Group, LLC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear WAYPOINT, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that WAYPOINT has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for WAYPOINT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that WAYPOINT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that WAYPOINT will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Consumer complaint received 2018-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (OR)

My mother and I applied for a mortgage loan in XXXX. The mortgage company we applied to was XXXX XXXX XXXX. In the beginning, we would receive a statement from XXXX XXXXXXXX XXXX for the amount due each month. The company was acquired and transitioned to Nationstar Mortgage Company in XXXX. 

After the transition, we no longer received any paper statements. We were not notified as to the reason for this paperless transition. We had to call the Nationstar Mortgage Company ( aka Mr. Cooper ) for the amount due every month. We only started  receiving notices via email from Nationstar Mortgage Company the year XXXX notifying us of payment amounts due by certain dates in order to avoid a late charge. With this being the only information we had, we sent checks for the requested amount every month prior to the due date. This year, we discovered that weve been charged late fees every month since the transition started in XXXX. 

With no statements provided nor any notice that explained all of the charges, we were charged thousands of dollars in late and hidden fees over the years. Nationstar Mortgage Company has failed to  provide us with any notice of our mortgage balance. We were charged late and hidden fees without notice even when we paid the requested amount provided by the emails. With limited balance information from Nationstar Mortgage Company and due to our language barrier, we did not discover the hidden fees until we downloaded the Nationstar app recommended by our accountant.

After multiple attempts to get in contact with Nationstar Mortgage Company, we were finally provided copies of all the statements ( see attached for all hidden and late fees ). We scanned and  attached copies of the statements that were mailed to us on XX/XX/XXXX. Weve also provided a copy of one of the emails that we received from Nationstar Mortgage Company in regard to payment.
Consumer complaint received 2024-07-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mortgage Research Center, LLC (KY)

Recieved notice of failure to pay county property tax. Provided notice to XXXX XXXX via phone in XXXX and was told that it would be handled. Escrow shows a payment made for incorrect amount ( less penalties ) Recieved another notice in XXXX and again called XXXX  and was told XX/XX/XXXX it would be handled. Recieved another notice from the county on XX/XX/XXXX. Again called XXXX. Recieved notice via email that taxes were paid on XX/XX/XXXX again for incorrect amount. Called the county clerk XX/XX/XXXX and no payments have been made. Payment is now in excess of {$3500.00}.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I want these inquiries deleted as I did not authorize these companies to run my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-12-30
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: Self Financial Inc. (MD)

I recently emailed the company regarding the late payments on my credit report and have yet to receive a status and or update of the results for the removal of the late payments being reported to my account. All payments on my account are current and up to date, and I would love to receive a resolution to this matter.
Consumer complaint received 2024-07-05
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: CLGF Holdco 1, LLC (TX)

On XX/XX/year> Destiny Credit Card Company made a hard credit inquiry on my credit files. I got a credit alert from XXXX alerting me that an inquiry had been made. I checked my credit report on XX/XX/year> and identified that the Company making the inquiry was FEB Destiny XXXXXXXX XXXX XXXX  XXXX XXXX, Oregon. I called the company and advised them that i had not applied for any credit card or other services with their financial organization. The person answering the phone acted as if he did not know what I was talking about. I then went on-line with XXXX Credit reporting and advised the XXXX XXXX that I needed the inquiry to be removed from my credit report. I was advised that I couldnot email any thing to stop this action. I was told to mail a letter to XXXX and Destiny Credit disputing the inquiry. I mailed a letter today to both entities disputing this inquiry. This evening I received an email from Destiny stating that I had applied for a credit card ... I didnot,,, which I replied to them in my email.
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. ()

I am an XXXX national who lived in the XXXX to study from XXXX to XXXX. I opened an account with Washington Mutual which was later taken over by Chase. Since leaving the XXXX I have had considerable problems accessing my account, with access to my online banking denied for many years on the grounds that my identity can not be confirmed without coming into a branch, something that is not possible in the foreseeable future. I believe the account only has around XXXX in it, so a trip to the XXXX from XXXX- where I now reside - makes no sense. In XXXX I briefly regained access after a friend connected me to a lawyer who was able to confirm my identity with a branch manager. Sadly I have been unable to reconnect with him for additional support. I can supply my social security number, addresses linked to the account since opening, recent sources of incoming funds and the persons to whom I made outward transfers when i regained access. I still receive monthly emails and post from Chase. The account is now linked to my friends address in Minnesota. I was even notified by email about the new branch manager in XXXX XXXX XXXX who I requested support from but was told, again, the only option was to come into a branch or call the main customer service line. I cant believe there is no way to verify my account other than to come into a branch. At XXXX point a customer service rep said the only alternative would be for the branch manager who opened my account to verify my identity. Given this manager worked for Washington Mutual almost XXXX years ago in XXXX, I dont see how there is a realistic expectation that I could find him and that he would remember me. If another person can verify my identity I have ample personal, academic and professional contacts in XXXX XXXX  who could do this. I seek support to find a solution.
Consumer complaint received 2018-08-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Financial Systems, Inc. (AL)

Around the end of XX/XX/2018 I received a letter in the mail stating that I had an bill in collections with Southern Financial for a old utility bill. I immediately sent an money order and paid the debt. A few days later I called Southern Financial to make sure they received my money order. They ask for my personal info to verify the debt. They stated they received my money order & that it would be removed off my credit. Then I was told I had an old hospital bill in there system. I wasn't aware of nor informed previously about any old medical bill debts. I have health insurance. When I do go to see my doctor, I always pay my copay & whatever balance is due is sent straight to me from the orginator. The lady over the phone asked me was my birthday in XX/XX/XXXX & I replied no. So she was asking me for more personal info that I didn't feel comfortable giving over the phone. So I asked could she send something in the mail so I can verify these supposedly debts. About 2 weeks later I received a letter in the mail that didn't have the company Southern Financial listed on the evelope & the information was uninformative. Last night on XX/XX/2018 I received a notification from XX/XX/XXXX stating that my credit score dropped 23 points because a new collection was added to my report. I called Southern Financial the next day and asked to speak to the supervisor. The first supervisor XXXX hung up in my face because I didn't want to give any personal info. The second supervisor XXXX, who I talked to after I called back told me I need to pay my bills then I wouldn't have this problem and he also hung up on me. The third supervisor XXXX stated that he couldn't talk to me with getting my personal info & was also very cruel. I stated to XXXX I had a non personal question so you didn't need my personal info. After explaining what was going on & telling him regardless of someone's supposedly debt you can't treat people rude like that. Matters can be resolve with respect and communication but no one in that office holds a professional torch. They are so mean & hateful hearted. I had know issue paying my debt if it was validated. I wasnt given that option, I wasn't notified, they just slapped it on my credit report after knowing I was in a process of buying a house. They did this to be malicious because I was chose to be cautious about giving my personal information out over the phone.
Consumer complaint received 2022-10-25
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: CITIZENS FINANCIAL GROUP, INC. (CA)

I have been a victim of identity theft. I had a Charged off citizens bank account listed on my XXXX credit report that doesn't belong to me. I called Citizens bank and they couldn't find an account listed in my name or social security number. I need this removed immediately because this is hurting my chances in getting a mortgage
Consumer complaint received 2023-10-24
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCC Business Services, Inc. (MA)

In XX/XX/XXXX I received a collection notice from NCC Business Services asking for payment for a debt related to XXXX XXXX {$9500.00}. Note that his debt was discharged in my Bankruptcy case on XX/XX/XXXX. I wrote NCC a letter XX/XX/XXXX informing them of this and including documents that proved the discharge of this debt and asking that they cease collection process. However, as of XX/XX/XXXX this debt appears to still be active and they have reported this debt to the Credit Bureaus. I've contacted XXXX in particular to dispute this and they have notified me that Creditor is claiming this is a valid debt. I called NCC on XX/XX/XXXX to confirm that they received the letter I sent them and they said that they received letter on XX/XX/XXXX. However, they said they reported this debt to the bureaus because they hadn't received paperwork prior to XX/XX/XXXX regarding bankruptcy.
Consumer complaint received 2023-05-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I believe Wells Fargo knowingly mis-managed, mishandle and charge me in handling my mortgage. 
As a consumer I had to go to extend and go to XXXX  XXXX to clear things up. All is in the records. 

Know that all came to light I expect, as a consumer, to be compensated for the wrongful doing of Wells Fargo Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (KS)

We signed up for a synchrony / care credit account in which we had 0 % interest for a certain period of time. In addition, they sent an email ( after the fact ) that they were going to start charging {$1.00} per month for mailing out statements. This was not part of the original agreement and Synchrony is changing the terms after the fact. The company is attempting to do a money grab, on top of the 30 % + interest for any payments not received on time or after the 0 % grace period is up. 

It comes down to greed and unjust business practices. Synchrony needs to adjust their policy or face legal challenges.