davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act XXXX  Account # 's XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX, XXXX  Account number : XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXXXXXX XXXX  Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX  Account number : XXXXXXXX XXXX  Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX  XXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX, XXXX XXXX  Account number : XXXXXXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX Account number : XXXX, XXXX  Account number : XXXX, has violated my rights. 

Pub. L. 90-321 [ 5 USC 1681A SUBSECTION 4 ( Consumer Privacy Act ) ] Pub. L. 90-321 [ 15 USC 1681B subsection 2 ( No written consent ) ]
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (GA)

I Identified information on my report that are a result of identity theft. Please remove personal information That i do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No Financial institution is not suppose to share my information to third party people.

These are clear violation of my federally protected consumer right.

Please See Attachment
Consumer complaint received 2023-11-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

A payment was made on the account on XX/XX/XXXX and XX/XX/XXXX by mistake from the credit union we use. We called on XX/XX/XXXX to request a refund and were told that we had to wait 15 days for the refund. At that point, we didnt move forward for the refund because the next payment would be due on XX/XX/XXXX. The XXXX statement was mailed to us and it said we owed nothing for the month of XXXX because of the double payment. Then we started getting calls and texts non-stop saying we had missed our payment and were behind. However the website still said we owed nothing. I called several times and spoke to several reps over the course of 43 days to try and either get the money refunded or get the extra payment added to our account. They refused to do either for over a month. All the while calling and harassing me for a payment they already had. Finally we decided to sell the car to another dealership and end the Ally financing. The XXXX XXXX  called Ally to get the pay-off on XX/XX/XXXX and sent payment to them shortly after. Ally has continued to call and harass me for the payment and has now turned in a delinquent notice to the credit bureau. They have been unethical in keeping money that didn't belong to them, billing us for payments they already had in their possession for well over 40 days and by not using the funds from the dealership to pay off the loan and keep our credit in good standing. They have repeatedly called and texts even after the situation had been explained and payments had been made. They unethical business/loan practice has now caused my credit score to drop dramatically while once again they hold on to money that was paid, but unreported.
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have an autopay set up for the minimum payment to avoid late fees in case I am unable to access my phone. Typically I manually pay the full balance of my card so the issue I am going to describe has not occurred previously. 

On XX/XX/XXXX I made a manual payment via the Capital One app. I selected the " Remaining statement balance '' option for the amount in order to avoid interest, the amount paid was {$1100.00}. After submitting the manual payment the app prompts me to cancel my automatic payment for the month. I do as the app suggests and cancel the payment as I've just presumably paid the statement balance and won't be charged interest. 

I then received an interest charge of {$73.00} on XX/XX/XXXX. I received a second interest charge in the amount of {$80.00} on XX/XX/XXXX. I believe this second charge is a residual/trailing interest charge. 

On XX/XX/XXXX I called Capital One for an explanation of how I was charged interest when I paid my statement balance. A Capital One representative informed me that because the autopay had been scheduled, the amount in the " Remaining statement balance '' did not include the amount scheduled for autopay. Therefore when I cancelled the autopay, as the app prompted me to do, it resulted in carrying a balance on my card and interest being charged. I viewed this as an app issue and felt I was being penalized for proactively paying my statement balance despite being unemployed at the time of the payment. The representative offered to waive only {$50.00} of the total interest I had been charged. I called back during daytime hours on the same day so I could be escalated, but the representative I was escalated to gave the same offer. I was denied further escalation and told it was the best I was going to get.

In summary, I was charged interest on my account due to an issue with the app, and customer service was unwilling to make it right. I simply wanted to pay my statement balance but was prevented from paying the full amount by the design of the app. I would not have canceled the automatic payment if I had not been prompted to and would have avoided interest entirely. I feel the app prompting to cancel and leading to this issue may be a disingenuous and anticonsumer deliberate design decision. I don't have this problem with other major credit card apps. Specifically, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-03
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: I.C. System, Inc. (CA)

I.C. SYSTEM, INC Original creditor : XXXX XXXX  I tried disputing this many times with XXXX, XXXX and XXXX. The only XXXX XXXX I have ever had was many years prior to the reported date of 2020 and confirmed with XXXX that I have no outstanding balance with them. When I contact XXXX they don't recognize account number or balance being reported by I.C. SYSTEM, INC. When I contact I.C. SYSTEM, INC I can't get a hold of anyone that can bring me up in their systems. I have been disputing this for a couple of years and it is still appearing on my credit report.
Consumer complaint received 2024-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NC)

On XX/XX/2023 I requested a payment back of {$210.00} that MOHELA said I was eligible for. They said they would respond in 1-2 business days and on XX/XX/XXXX I still haven't heard back so I sent in another complaint. I was again told they would respond in 1-2 business days and it took them until XX/XX/XXXX to respond and said I would receive my payment back and to allow up to 30 business days to complete processing. It is now 32 business days later and I haven't received my payment back. They do not respond within their own timelines of complaints/questions and do not stick to the timeline they made to reverse my payment.
Consumer complaint received 2023-08-03
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. (NV)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
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. (GA)

I Identified information on my report that are a result of identity theft. Please remove personal information That i do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No Financial institution is not suppose to share my information to third party people.

These are clear violation of my federally protected consumer right.

Please See Attachment
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (KY)

On   XXXX   XXXX   XXXX     I sent a letter disputing multiple inquiries to all credit reporting agencies and asking for removal. They responded sending me a letter explaining what an inquiry is! I then resent additional letter stating I had not gotten any proof via certified mail and fax also on   XXXX   XXXX  . They again resent a letter stating what inquiries are and to contact the reporting agencies to dispute myself. They have failed to respond to  XXXX  requests now to research and delete inaccurate inquiries on my credit report. These inquiries do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in  XXXX  day?     I Followed up with a phone call today   XXXX   XXXX   and they told me the inquiries were my responsibility to contact businesses to remove and they do not remove inquiries I also requested twice in writing to update and correct old addresses, employers and phone numbers and all they keep sending me is the exact same credit report repeatedly.
Consumer complaint received 2023-11-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation (IN)

Yes I received an installment loan in the mail for XXXX once I cash the check I was to repay back XXXX I made my payment on time for 5 months which took my balance down to XXXX. My payment are XXXX now they are charging more interest on this payment an harassing me.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

I have several inquiries in regards to a vehicle they were supposed to run one inquiry around too many. I also try to refinance my vehicle, and I have a lot of refinance inquiries which should not be on my credit.
Consumer complaint received 2017-05-09
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: SYNCHRONY FINANCIAL (IL)

entered into a 24 month contra ct ( in terest free ) that was paid in full in 21 months. Because a payment was n't made during the period they accessed a late fee only because a payment was made to early and was recorded the prior month. when contacted they failed to adjust. they then continued adding late fees to the account and finally filed with a collection agency to collect several  XXXX  dollars as a settlement. This was charged off per   XXXX   credit report.   My name is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX  XXXX  XXXX  this transaction was with   XXXX   XXXX   XXXX   thru SYNC in the amount of {$390.00} dated entered into  XXXX  and filed  XXXX , I sent them a payment schedule which they never acknowledged or dispute listing the dates of payments.   This is an example of how free interest for x time functions and is not my first experience. Why action has not been taken against these kinds of activities is hard for this person to understand. It is attempted extortion!
Consumer complaint received 2023-06-25
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: Paramount GR Holdings, LLC (KY)

Between last year of XX/XX/XXXX my identity was stolen. Any account opened since then is a fraudulent account. XX/XX/XXXX to now of this year XXXX I have had multiple accounts opened under my name.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (AL)

On XX/XX/2023 I experienced inquiries causing harm to my credit worthiness, and I the consumer and or the beneficiary have received no benefits according to My consumer report must be accurately & fairly investigated per 15 USC 1681 ) A Consumer Report only includes the " identity of the consumer '' nothing related to ANY transaction. This would result in violation and I demand these derogatory accounts be removed.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XX/XX/2023 I experienced inquiries causing harm to my credit worthiness, and I the consumer and or the beneficiary have received no benefits according to My consumer report must be accurately & fairly investigated per 15 USC 1681 ) A Consumer Report only includes the " identity of the consumer '' nothing related to ANY transaction. This would result in violation and I demand these derogatory accounts be removed.
Consumer complaint received 2020-11-21
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: National Credit Systems,Inc. (GA)

I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

I was supposed to get my direct deposit on Friday XX/XX/28. In the XXXX I checked with my employer and they said they dont see the funds rejected or returned by my bank. I then called my bank, Bank of the West. I talked to a rep. He said they see it in the back house or office ( where they handle ACH ) they said I would be deposited Friday afternoon if not no later than Saturday XXXX I check Saturday XXXX, nothing. Called again they said same thing, it would be deposited Saturday night no later than XXXX I checked Sunday nothing. I checked Monday nothing. I called Monday XXXX, same thing wait till the afternoon. I checked Tuesday and nothing. It has been the same thing over and over and I just want my money. Ive been waiting 5 days for my money and nothing! This is outrageous why cant they give me my money! I worked for my pay I want it now!
Consumer complaint received 2023-11-25
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Self Financial Inc. (GA)

I am not liable for alleged debt with self lender. I do not have a contract with the collection agency XXXX XXXX. Located XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX tx. XXXX. They did not provided me with the original contract that was requested
Consumer complaint received 2023-04-20
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Debt Direct Portfolio Management, LLC (LA)

I was contacted by a representative from XXXX XXXX XXXX on XX/XX/23 about a personal loan debt that was placed with their company for collection. When I spoke with the representative, he said he was with XXXX XXXX XXXX, and he told me that a complaint was being filed against me for check fraud, and said that I was going to be served with a lawsuit by the original creditor if I didnt set up a payment with him. I asked him to send me proof of the debt, as I had never received any communication from the collection agency prior to this phone call. He emailed me a copy, and claims to be sending one in the mail. Upon reading the email, I see errors in my town name, so I contacted the original creditor. They directed me to Debt Direct Management, who purchased the debt from the original creditor, and were using XXXX XXXX XXXX to try to collect the debt. When I informed the representative of my concerns, she informed me that their company does not work with the court system at all, and that what I was telling her was not true and very concerning. She closed my account with XXXX XXXX XXXX and is reassigning me to a different agency. She is also going to report this and do a full investigation into the companys practices of debt collection.
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX XXXX charges of XXXX $ were taken out of my bank account.. I only use XXXX to send to my family but never any big amounts like that.the person it was sent too i dont recognize.. I never verified these transaction. I'm not sure how someone got in my td bank account but they were also able to verify using my number and that was really new to me but I filed a dispute with td bank then they said they filed one for me but I called 2 weeks later for them to update me just for them to tell me that the worker I was talking too didn't file one for a XXXX dispute... I had to re file another one this is almost a month in back and forth with them telling me something didn't everytime.. then I started receiving calls from random people claiming they work td but those probably scams Im not sure.. 
Td banks and XXXX customer services was very poor and I do feel very violated and they tried putting words in my mouth. Next step is court Companys involved -td bank -XXXX
Consumer complaint received 2023-11-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (IL)

GAP insurance covered my vehicle in the event my car was stolen, as well as providing an incentive of XXXX. Consumer is not liable for debt and asked BRIDECREST to provide validity of the repossession and debt for consumer. Under GAP insurance contract through Finance Companys Consumer is not liable for repossession or outstanding balance. BRIDECREST failed to provide proof of information/validity via email or Mail. Bridecrest Removed comment-Reinvestigation in progress from account between XX/XX/XXXX of XXXX XXXX but failed to provide supporting documentation after.
Consumer complaint received 2023-07-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (TX)

In XXXX I had a flood at my house and needed repairs. I received a HELOC from Wells Fargo. They gave me the impression that was borrowing from the equity of my home at a low interest rate. Come to find out, it is a variable rate loan ( I would have never signed up for that ) and that it is a 30 year loan! Who would take out a loan for XXXX for 30 years?! What kind of bank loans {$17000.00} on a 30 year note!? This is 10 years past when my mortgage was scheduled to be paid off. I could not believe what I was being charged. For the last 8 years, I have paid {$100.00} a month with 80-90 % of the payment going to interest. In the last 8 years, I have paid only {$1400.00} on the principal of the loan and over {$8000.00} in interest! Wells Fargo stopped offering the HELOC because it is such a terrible product but has offered no compensation to those currently being ripped off by their HELOC. I do not recognize my signature on the paperwork they gave me. It does not look like I signed this. I called a couple years ago to refinance, and they told me it was not a good idea. I talked to them today and they basically told me there was not help for me because I agreed to those terms. I have listened to XXXX XXXX since XXXX and I would have never signed a loan for these terms. I do not believe I agreed to these terms as they are ridiculous, even if you don't know what you are doing. I feel like I was taken advantage of and stolen from by Wells Fargo. Is there a class action suit I can join? Anything?? I know WF has been sued over HELOCs