davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am filing another complaint because the cfpb closes a case when there has been no resolution the company sent a letter saying they can cancel or terminate my card without any reason per the agreement. I have also read the same agreement and I have read the consumer protection laws and they clearly stated it is discriminatory to make major changes to ones credit card without giving 45 day written notice which they still have not. And they still have my acct as open they even filed with the three credit bureau as open So them saying they can cancel or close anytime would be fine. But if they choose to keep it open yet restricted. That is biased if they have it open I have a right to use it. I am legally right in every aspect and will do everything in my power to not let them get away with this these are the type of things we as consumers should be protected from regardless how big the company
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (FL)

i never requested to get my credit inquiry for inquiries mentioned below : A FEW OF THEM ARE 6 TIMES OR REPEATED AFTER 5-6 MONTHS. 

PLEASE REMOVE THIS - THIS WAS NEVER APPROVED OF ME TO GET INQUIRED. 

XXXX XXXX XXXX XXXX FLAGSHIP CREDIT ACCEPTAN XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Neon Newco Corporation (IN)

I purchased XXXX NetSpend cards as gifts. When doing so, these cards are contained in hard plastic and there is NOTHING on the outside that would alert you to the facts that they want you personal private information ( to include your date of birth and social security number ) to activate the cards. In addition, they charge monthly fees... .fees that are not disclosed on the package during a purchase. This is flat wrong and very deceptive! I am embarrassed that I was not aware of their practices and the {$50.00} gift card is now worth {$38.00} ... .that is before they use it as their is a fee due that too. XXXX! If they can not make it very obvious to a consumer prior to purchasing XXXX of these worthless cards, then they should be taken out of all stores. I am highly upset and I will pursue this to the full extent. Deception is against the law and this is a definite XXXX issue. When calling them, you reach someone outside of the USA who requests your personal information per ( direct quote ) the US patriot act. That in itself is a joke when speaking to a non US citizen. No wonder people are scammed on a daily basis! Please look into this matter and stop this deceipt.
Consumer complaint received 2023-09-12
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. (WI)

Subject : Request for Deletion of Collection Account Pursuant to FCRA I am writing to bring to your attention a matter regarding a collection account that appears on my credit report. I have previously requested verification of this debt from the collection agency responsible, XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ) ( 1 ). 

Despite my request, XXXX has failed to provide any verification of this debt or respond to my inquiries within the required time frame under the FCRA. As a result, I am formally requesting the immediate deletion of the collection account associated with Account # XXXX from my credit report. 

Under the FCRA, a collection agency is obligated to verify the accuracy of a debt when a consumer disputes it. Failure to do so within 30 days constitutes a violation of the FCRA. XXXX has not met this obligation, and as such, the collection account should be removed from my credit report. 

The details of the collection account in question are as follows : Collection Agency 's Name : XXXX Account XXXX Amount : {$3100.00} I am writing to express my serious concerns regarding the reporting of a debt on my credit report, which I believe has not been properly verified in accordance with the Fair Credit Reporting Act ( FCRA ) standards. This communication serves as my formal notice of intent to pursue legal action to address this matter.
Consumer complaint received 2017-05-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (AZ)

This is in response to  XXXX  that I filed and  NFCU  responded. There was a second part that was not addressed, even with a follow up email.     Because of my financial situation my house nearly went to foreclosure a second time. I called to bring payments current a few days it was scheduled to go to the foreclosure attorneys. I was told I had to repay the arrears AND the fees to the attorneys for the foreclosure. I asked why I would need to pay attorney fees for it going to foreclosure when I was making payments prior to it going. I was told I had to pay the attorney fees because my mortgage met the criteria and had already been voted on to go to foreclosure. I could not make a payment for any amount unless I paid for attorney fees. I am not sure of the exact time frame this occurred. I know there was a huge storm on the   east   coast and my call was sent to a person in Florida to handle because no one was able to get to work where they normally take care of mortgage collections.     Honestly, I do n't expec t NFCU to handle this request any different than the other complaints I have submitted to the various organizations. NFCU has proven time and time again they are incapable of policing themselves and doing the right thing. It really is pathetic that NFCU  treats veterans the way they do, serious lack of integrity.
Consumer complaint received 2017-05-06
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. (GA)

I have disputed the account on my credit report  XXXX   XXXX ,  XXXX  {$540.00} multiple times with Experian and they continue to not remove the account from my credit report. I do not owe this creditor this account does not belong to me. I sent a certified method of verification request to them on  XXXX   XXXX ,   XXXX   and it was delivered on  XXXX   XXXX ,   XXXX  . I have not received any evidence supporting the creditors claim that I owe the debt of {$540.00}. This account has hurt my  credit score  tremendously and continues to do so everyday this account is allowed to remain on my credit report. Experian has not responded at all to my method of verification request and it has been well past the 15 days that they have to answer to my request I want this account removed from my credit report.     On the sam e Method of Verification r equest I listed the following account   XXXX   XXXX    {$12000.00} requesting for the information they used to verify this account and the same as the above applies I have not received any thing from Experian in regards to the  Method of Verification  request I sent to them for this account either. I want this account removed as well. Experian seems to not adhere to laws meant to protect consumers rights and continue to not conduct real investigations into consumer disputes and continue to allow creditors to not have provide any supporting information verifying the debt is real.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (NY)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 that states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies, I am the consumer and I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 that states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX, Nordstrom and XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 in section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, XXXX XXXX  and Nordstrom and the Consumer reporting agencies XXXX, XXXX, and XXXX did not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) clearly states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX, Nordstrom and XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Also 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A also states " 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. And 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Thank you.
Consumer complaint received 2023-02-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (TX)

My vehicle was deemed a total loss after an accident. The insured parties insurance paid market value for my vehicle which included paying the remainder of my loan amount. I submited correspondence from the insurance and myself stating that the payoff included what would have been my last payment ( XXXX ) so there was no need for me to make an additional payment. I electronically signed my portion for the payoff on or about the XXXX of XXXX and the loan was paid off on XX/XX/XXXX. Wells Fargo Auto still considered me delinquent on my last payment.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc. (WA)

i only authorize for XXXX auto company to run my credit which was XXXX XXXX XXXX XXXX XXXX, 2023 ). However, there is multiple auto loan that ran my credit without my permission, they are listed below. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (FL)

I never requested to get my credit inquiry for inquiries mentioned below : A FEW OF THEM ARE 6 TIMES OR REPEATED AFTER 5-6 MONTHS. 

PLEASE REMOVE THIS - THIS WAS NEVER APPROVED OF ME TO GET INQUIRED. 

( 2 inquiries ) XXXX XXXXXXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, 2023
Consumer complaint received 2024-09-23
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. (AZ)

THIS COMMUNICATION IS A : LEGAL NOTICE AND DEMAND OF A SWORN AFFIDAVIT OF TRUTH FOR FEDERAL TRADE COMMISSION FRAUD AND/OR IDENTITY THEFT. 
THE REPORTING COMPANIES AND FURNISHING CONSUMER REPORTING COMPANIES THAT ARE INVOLVED AND AT WHOM HAVE ON THEIR OWN FREE ADMISSION AND DECISION MAKING PURPOSELY HAVE INVOLVED THEIR TIME, RESOURCES, FOR THE BENEFIT OF OBTAINING FINANCIAL GAIN AT THE BEHEST OF ITS CORPORATE DIRECTORS, MANAGERS, OFFICERS, AND ALL EMPLOYEE LABELS GIVEN AS TO PROFITEER OFF THE INFORMATION THAT IS PRIVATE, NOT PUBLIC, NEVER REQUESTED NEVER GRANTED PERMISSION, AUTHORITY, LICENSING, CONTRACTUALLY, VERALLY, IMPLIED NOR EXPRESSED IN ANY MANNER AT THE DETRIMENT OF THE PERSON OF WHICH THIS IS CONCERNED WITH AND DONE SO WITH OUT CONSIDERATION AND DOEN WITHOUT DUE REGARD FOR THE RIGHTS OR CONSIDERATION OF OTHERS.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-23
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (KY)

I paid the XXXX XXXX card, issued by Comenity Bank, in full on XX/XX/XXXX. Upon logging into my account I realized the payment due date for this month was XX/XX/XXXX. I immediately called Comenity Bank to ask for a waiver of the late fee. The representative told me that the late fee would not apply to the account until the new statement date. I called again a week later to ask for a waiver of the fee and it still had not been applied to the account. I received an email statement and payment reminder today with the late fee, as well as an interest charge for that fee. ( Late fee {$30.00} + XXXX {$2.00} ). I again called Comenity and was granted a {$15.00} Late payment credit. The representative told me that she is not authorized to forgive the full amount and can not remove the interest charge. Since when did an interest charge apply to charge that is not even due yet?
Consumer complaint received 2023-11-22
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (FL)

My Victoria 's Secret credit card is being charged a fee for account protection by XXXX XXXXXXXX, that I have never signed up for their services. This XXXX XXXX company has been billing my account for years, and I failed to notice it, since the bill is online and there is a balance on this account. I always made my payments on time, never missed a payment. about XXXX years ago my husband asked to see the statement and we discovered this issue. We contacted victoria 's secret customer service right away and they promised to escalate the issue and contact us. They also advised us to contact XXXX XXXX directly, which we tried at that time, but after long ( over XXXX minutes hold ) we gave up. I am ashamed to say that I forgot about this issue again ( we have XXXX XXXX XXXX ) until again my husband asked about this account. I have checked the account and I saw that XXXX  XXXX is still billing my account ( depending on month ) from {$39.00} to {$41.00} + per month. This is fraud being committed by both companies : XXXX ) XXXX XXXX is/has been billing my account for years ; XXXX ) Victoria 's Secret bank is assisting them to do it and won't investigate, even though I specifically stated that I am a victim of fraud. 
Second conversation took place about XXXX week ago, I first spoke to fraud department, they, without specific reasoning transferred me back to customer service. Than I spoke with XXXX ( ID number XXXX ) from escalation department, that was not much help either. She kept promising she will resolve the issue and keep asking me to call XXXX  XXXX, a company that as far as I am concerned is committing fraud. I specifically demanded that she terminate the XXXX XXXX and XXXX refused to do that by telling me I need to contact them directly. They have charged my account for at least XXXX years and I am positive this is a company policy and Victoria 's Secret bank is fully aware of this issue and they are practicing this against other customers as well. Please help me solve this issue.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent multiple certified written letters to XXXX XXXX XXXX asking for the removal of a 7+ year old auto loan that is being reflected as negative information on my report. They have refused to do so. As I am aware that consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years. I am submitting this claim in an attempt to have them fix this issue. Thank you.
Consumer complaint received 2023-11-22
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: Experian Information Solutions Inc. (MO)

Once again experian is closing complaints without addressing the issue they further more give explanations that totally have nothing to do with the problem. Experian stole 17 months of on time never late payments to XXXX and refuse to give them back
Consumer complaint received 2017-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed account  XXXX   XXXX  multiple times with Transunion and they continue to remove the account from my credit report. I do not owe this creditor they are charging for a dental service I never received due to me calling in and canceling my appointment a  XXXX  week prior to the appointments date. I sent a certified method of verification request to them on   XXXX   XXXX   XXXX   and it was delivered on   XXXX   XXXX   XXXX   I have not received any evidence supporting the creditors claim that I owe the debt of {$170.00}. This account has hurt my  credit score tr ememdously and continues to do so everyday this account is allowed to remain on my credit report. Transunion has not responded at all to my method of verification request and it has been well past the  XXXX  days that they have to answer to my request I want this account removed from my credit report.     On the same Method of Verication request I listed the following account   XXXX   XXXX   requesting for the information they used to verify this account and the same as the above applies I have not recieved any thing from TransUnion in regards to the  Method of Verification re quest I sent to them. I want this account removed as well. TransUnion seems to not adhere to laws meant to protect consumers rights and continue to not conduct real investigations into consumer disputes and continue to allow creditors to not have provide any supporting information verifying the debt is real.
Consumer complaint received 2017-05-06
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. (GA)

On  XXXX / XXXX /  XXXX   I wrote to Experian regarding an inaccurate reporting of a collection account and asked them how they verified the item, since they said in their previous response they verified it. The answered with " PLEASE CONTACT CREDIT GRANTOR AT ... '' That is not a proper explanation of how they verified the information. This is n't a credit grantor either it 's a collection agency that did n't grant anyone any credit.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (FL)

I asked MOHELA when will the updated account information be reported to the CRAs? XXXX question- during the payment pause from XXXX - XXXX payments were made on my loan of $ XXXX for 12 months/installments - that were not counted towards the XXXX payments I needed for forgiveness. Will the money for those payments be returned to me or whom should I contact to find out? I calculated the amount that should be returned as {$2700.00} plus interest since it should have been received at the same time that I received my forgiveness letter. As of XX/XX/XXXX, I have not received a response. I have not tried to reach them via telephone because of the long hold times.