davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THIS ORGANIZATION VIEWED at credit report and notice inaccurate information AND VIOLATIONS CORRESPONDING BACK AND FORTH FOR WELL OVER 90 DAYS FOR REMEDY TIME ALLOTTED FAILURE TO SUBSTANTIATE THE CLAIMS HAS PASSED PLEASE SETTLE ACCOUNTS IMMEDIATELY WITH DELETED NOW ASAP 15 USC 1601-6802 AND 15 USC 1667e 15 usc 1667f i have sent several letters last being XX/XX/2XXXX XXXX
Consumer complaint received 2023-05-30
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. (NY)

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 15 U.S.C 1681. 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 : It also states a consumer reporting agency can not furnish a accounts 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 these 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 2018-11-13
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (VA)

In XX/XX/XXXX, my parents and I called Navient to work out a payment plan of {$1000.00} a month that would be drawn out automatically to help pay down both my principal and my interest for the private student loan. We have made a years worth of payments on time at the agreed amount and the total due has not changed. In fact the total due had risen.

I pulled each bill for the year only to find out the monthly balance due rose without our notice making our previously agreed on monthly payment invalid. It was then explained to me that the interest rates on each of my loans were subject to change depending on the market reassessment and the payments I made in our previously agreed on deal were not enough. This is incredibly deceitful and unfair. I feel like I wasted all of this money I will never get back to try and pay a loan that will never be paid off. Below are the actual monthly totals not what I was scammed into agreeing to pay.

XX/XX/XXXX {$970.00} XX/XX/XXXX - {$960.00} XX/XX/XXXX - {$980.00} XX/XX/XXXX - {$990.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00}
Consumer complaint received 2023-02-04
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)

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, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$96.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-24
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I received a letter from Credit Appentance stating do to the Pandemic Covid-19. All late payments wouldn't effect my credit report. However I have late payments on my report. I was effected by the Pandemic.I have contacted the company on several occasions trying to get this issue resolved. I would like all late payments removed from all 3 credit bureaus as the account is paid in full.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (IN)

XX/XX/2022 with the amount of {$900.00} I have sent chime the conversation between me and the vendor from XXXX XXXX I have sent them the XXXX investigation information i also sent them invoices they still refusing to give me my money back it was stolen I live in a apartment complex they left package on they XXXX attempt to deliver
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation (IN)

Charges are scam charges. Already tried disputing with bank company as they did not resolve my issue XX/XX/2023 {$170.00} XX/XX/2023 {$100.00} XXXX XXXX
Consumer complaint received 2024-03-24
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, Ive looked at my report back in XXXX, and noticed some things are incomplete and inaccurate. I sent a letter to XXXX XXXX and Experian via CFPB and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix everything Ive demanded. 

They are committing Federal law violations According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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. 

Ive then asked them to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in the individual about whom the report relates. 

Ive then asked them to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

Yet they failed to do that as well either. 
They are also violating these laws as well below : According to 15 USC 1681s-2 it states this. 
( A ) Reporting information with actual knowledge of errors 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; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. May you please adhere to my demands and requests. 

Delete these inquiries listed below immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Lennar Financial Services, LLC (CO)

My partner and I were at the closing for the purchase of our house using Lennar Mortgage, LLCXXXX # XXXX as our lender. 

That day we were sent a set of documents to sign. XXXX of those forms was a " Consent to share Tax Return and related information. '' I read the document and objected that it was too open ended for sharing of my tax return data to both the Loan officer and Title closing agent. I noted my return contains Bank information, Address information, employment information, and SSN. All of which are very useful to execute identify theft. 

I specifically objected to the ability of my tax return information to be used for " marketing '' purposes, or to " provide an offer ''. 

I also objected to the loose definition of " lender '' to include : The Lenders affiliates, The Lenders agents, The Lenders service providers, Any aforementioned parties successors and assigns, And objected to the loose definition of " Other Loan participants '' to include : Potential owners of a loan, Acquireers of any beneficial or other interest in the loan, any mortgage insurer, any mortgage guarantor, any servicers or service providers, for these parties and any of aforementioned parties successors and assigns. 

The loan officer and title closing agent both understood my objections and agreed that tax return information should be treated very carefully. The loan officer escalated to her boss, who replied " A XXXX people have complained about this form. But Legal will not allow it to be changed. '' So I was given the choice to sign the form, or not close on the house with Lennar Mortgage. 

Since I would incur negative financial impacts if I were to attempt to delay the closing of the loan, and choose a different lender- I chose to sign the form. 

But my gut tells me this tax consent form is wrong and overreaching. And could legally allow a wide range of interested parties to use my tax information for almost any purpose. Hence I decided to file a complaint.
Consumer complaint received 2018-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (CO)

I had a natural disaster in my area and my insurance company provided payments to make repairs. The payments were made to myself and the mortgage company, SunTrust Bank, since there was a loan on the property. The mortgage company has only released a portion of those funds are preventing me for completing the repairs. I have called multiple times and sent in receipts substantiating repairs to no avail. They want to repairs to be complete and inspection prior to releasing funds. I have completed as many of the repairs as I can using my own funds but am quite frankly out of liquid cash and need them to release the funds.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

This complaint is the follow-up of the complaints ID XXXX AND XXXX AND XXXX AND XXXX AND XXXX AND XXXX. 

Capital One 360 finally refunded me back the last XXXX transaction of {$7.00} that occurred on XX/XX/year>. 

However, I am demanding Capital One 360 to terminate their employee " XXXX  '' because it took me a total of SIX COMPLAINTS to finally make Capital One 360 to refund me back my money.
Consumer complaint received 2024-03-04
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I use Bill Pay through my bank to pay all my credit cards. I set it up so payment will be processed on time. Victoria Secret received the payment on XX/XX/XXXX. Payment was initiated on XXXX, through Bill Pay Payment was due XX/XX/XXXX. I was charged a late fee of {$30.00} on a bill that was {$30.00}. I contacted the store spoke to a supervisor and they told me basically too bad I was granted a one time grace fee. I contacted my bank and they said they will contact Victoria Secret with a letter stating it was not my fault. I called the store back and explained to them what my bank wad doing and their response was once again too bad. I closed my account and want the late fee removed.
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Client Services, Inc. (CA)

I received a call from a company id'ing themselves as legal services who stated they refused to give me there address, stated they dont provide addresses and then they stated they will be revieiwin my address, employment address, notify pending matter which would be reviewed for delivery for proper documentation to send to me however when i asked them the name of business they stated legal services, when i gave my name they refused me my right to know what it was pertaining to then they hung up on me several times and then stated it is NO longer in there office when i asked them what the name of the firm was and informed them i knew my legal rights.. XXXX stated then you know its against the law to NOT pay your debt but they wont tell me anything else she said its been transferred out of our office and hung up in my face
Consumer complaint received 2024-01-09
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (MS)

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.

List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - Ex XXXX XXXXy # Account # has violated my rights 15 USC 1681 Section 602 A 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 a account without written consent.
Consumer complaint received 2018-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (KY)

Me and my wife both making the same household income requested credit from American express. We both filled out applications the same date for the same card. I'm denied, she was approved. I feel its discriminating here is why. She is XXXX & I'm American, she has no credit established & I have no credit established. I have a calculated risk score that is being used against me & she does not have any such score to be used against her. In all aspects of this we have the exact same credentials. Mine is on document in the U.S. and hers is not. The reality of this is that U.S. citizens are being discriminated on by our social security numbers and the 3 credit  minitoring agencies. XXXX are not applicable for this to be used against them. This is plainly discrimination. 

XXXX-no credit established= accepted American-no credit established = denied In my opinion its controled by our government to keep the poor from escaping financial ruins. If this is not racist, prejudice, then its for sure discrimination!
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (CA)

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 3RD '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2018-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

This dispute pertains to a Credit Card with the USAA Bank Dispute For Credit Card Ending In XXXX USAA Dispute Case # : XXXX Credit Card # Ending In : XXXX Merchant Name : XXXX XXXX XXXX Transaction Date : XX/XX/2018 Transaction amount : {$140.00} Disputed Amount : {$140.00} To whom it may concern : On the morning of XX/XX/2018 I was in XXXX, XXXX and I made reservations via telephone with XXXX XXXX XXXX to have a car reserved in the city of XXXX, XXXX where I was going to fly to later that morning. 
The reservation was made and upon arrival at the XXXX XXXX XXXX XXXX in XXXX XXXX the car was waiting for me at their XXXX office. I paid {$130.00} USD ( {$390000.00} XXXX  Pesos ). 
Later in the evening while dining at a restaurant I checked my USAA application on my cell phone and saw in addition to the legitimate charge from XXXX another charge for {$140.00} from a merchant called XXXX XXXX XXXX. 
I have NO IDEA who XXXX XXXX XXXX is as I never contacted or dealt with any merchant other than XXXX. 
I immediately called USAA 's international number and reported this charge to initiate a dispute. 
I did NOT on that day or any day before or after deal with XXXX XXXX XXXX. I have no idea who they are or where the charge came from. I suspected at first that perhaps one of the XXXX workers at the XXXX XXXX was trying to possibly scam me since they were the only ones who had processed my credit card and BOTH charges appeared at the same time on the same day for the same type of service : A car rental. 
I do have the receipt from XXXX and have included a photocopy. The amount is in XXXX Pesos but a currency converter will show the US dollar amount. 

XXXX XXXX XXXX has NO locations in XXXX, as proven by looking at their list of locations on their website, the URL is provided here : XXXX XXXX XXXX Also, NO ONE will rent something as valuable as a car without having the renter fill out and sign multiple sheets of paperwork, therefore WHY DIDN'T USAA REQUEST SUCH DOCUMENTS FROM XXXX XXXX XXXX, the absence of which would have proven that I never dealt with them and that the charge is false?? 

I have proven with the XXXX receipt that I was physically in XXXX where I rented a car from XXXX and with the above link I have proven that XXXX XXXX XXXX does not even have locations in XXXX, yet they falsely charged me for a rental on the very same day I rented a car from XXXX in XXXX. 


Sincerely, XXXX XXXX XXXX