davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OR)

In XXXX of XXXX I submitted a payment which took their system several days to process, when it finally withdrew from my account it was over charged and the payment sent back. I immediately paid the bill that month. Now XX/XX/XXXX just shy of one full year I submitted payment for XXXX on XXXX XXXX with sufficient funds to pay. Four days later payment processed and I was unfortunately XXXX short and the payment returned. Once I was informed I moved money over and immediately paid it off again. Now my account has been closed even though I have faithfully paid every month and rectified every misstep. I am actively rebuilding my Credit and the company closing my account has a negative impact. I'm honestly appalled that your company is so un flexible and not willing to work with someone who has never missed a payment and has fixed all two issues I've had in a year. I am human and sometimes make a simple mistake which is immediately fixed, why will your company not show me the same courtesy I have shown it by correcting my mistakes. Why actively penalize someone for something so small? I understand I am under contract and what your legal paperwork says, I'm asking you to be human and look at the reality of the situation and not to hide behind a contract with someone who faithfully pays their bills.
Consumer complaint received 2023-01-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Auto Advantage Finance, LLC (OK)

XXXX I purchased a vehicle from XXXX XXXX XXXX and In house finance co Auto Advantage Finance , LLC. When I purchased the car from XXXX XXXX the same day I got the car 20 min later I had to call them to tow it off the highway because it had stopped. Over one years time I had to have them tow it in due to just stopping on us while driving 5 times ( about once a month ). Their repair department head manager advised me if has any problem again will replace car. It had to go again they did not honor the replacement. I advise ECA that the vehicle was unsafe to drive, it was a danger to my family with husband and children and I refuse to drive unsafe car to endanger our lives. They told me to do voluntary return, which I had no choice but to do. I contacted them for 6 months to see what happens now they later filed a judgement a year later in XXXX and never would let me know when a court date was so that I could appear. I have been paying over XXXX years on a XXXX principle I have paid {$8700.00} and now have increased the interest to this every year and increasing it is now {$30000.00} they say I still owe them with interest continuing to be added. I feel this company and the XXXX XXXX and XXXX XXXX XXXX XXXX department has added so much interest and things to this that it will never be paid off. When I should not owe any way. I was not allowed to go to court to submit my side of this case. I checked with XXXX every week to get a date I was only told I did not have to show up and refused to give me a court date to appear. I looked on XXXX every day to see if filed to get a date. I received a summons i filed a dispute to the court and they was to file a default judgement on it to get a court date never did. There was a letter sent to them from XXXX XXXX district judge at OK count demanding with in 7 days for them to file a default judgement if this is owed so a court date can be set. They did not respond, until a year later they filed XXXX. I watched for a year never seen a date then all of a sudden I receive notice of a garnishment. Now 8 years later i get a increase every year for this so has tripled in interest and fees.
Consumer complaint received 2023-02-28
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. (CA)

my credit report is showing a auto loan from XXXX XXXX XXXX for the about of {$37000.00} opened on XXXX XXXX XXXXXXXX this account does not belong to me and I would like it removed from my account immediately
Consumer complaint received 2024-06-06
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: JPMORGAN CHASE & CO. (PA)

On XX/XX/year> I received a credit tracking alert that an inquiry was created for JPMCB. This is not me, and this happened in XXXX as well, and placed a fraud alert. I disputed it and called Chase and the representative was able to tell me it was a freedom XXXX  card and they wont process it.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NJ)

Apple closed my account for regulatory reasons and will not disclose what those reasons are. 

Ive never had a late payment or received any notice from them. The Apple Card is issued by Goldman Sachs. 

Id like to know specifically what the reason was. This closure will affect my credit score negatively.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

On XX/XX/year>, Equifax and XXXX violated my consumer rights by not allowing me to access my consumer report. They would not allow me to see my consumer report on XXXX even though I verified my identity.
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I file a dispute regarding no late payment I have always been on time and got a letter from the creditor report account in good standing never late.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX, XXXX and Experian all report my student loans twice. They report the balances as late when the student loans have been XXXX completely due to XXXX discharge. I owe no balances, yet they double report the accounts as closed but late. The payments are not late and never had been because I didn't have to pay them back, per agreement with XXXX XXXX XXXX. 

Reporting the information twice brings down my score by hundreds of points, yet I owe no money so there's no way to repair this. 

Action Taken : Signed up with XXXX XXXX XXXX to correct the reports ( still received no response after 60 days ) Have submitted multiple disputes, only to have them closed within 48 hours with little to no explanation of any action taken. 

All three bureaus are quick to offer " credit boost '' type services, or some option to pay them to review and improve my score for a monthly charge. 

All three bureaus report one score to me when I obtain a consumer credit report, but another lower score to creditors. Sometimes they report entirely different low scores to different creditors. For instance, I applied for medical credit and XXXX reported my credit score as XXXX to the creditor I applied to, then reported the credit score to me as XXXX ( in spite of the XXXX student loans with no balances... I owe less than XXXX XXXX in debt, I shouldn't have a score in the toilet like this ). They later reported to another creditor ( a credit card company I applied to ) that my score was XXXX ... .on the same day as I applied for the medical credit. So is my score XXXX, XXXX or XXXX? Or should it be higher because I have very little debt. 

Even with a bankruptcy in 2019, I should have some improvement to my score ( as I have seen others receive ) after 4 years of diligent repayment of debts and attention to my report, without incurring more debt. 

All three bureaus are not held accountable for what they report, and no one can even know how or what criteria they use to calculate the score. And they then try to package their basic duties ( reporting, disputes, etc ) as a paid service with an offer to " improve '' or " boost score '' if the product they sell is purchased.
Consumer complaint received 2023-05-22
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. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 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 this 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 : 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 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 2023-05-22
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. (TX)

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, TX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX Balance : {$590.00}, XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00}, XXXX XXXX XXXX Balance {$530.00}, XXXX XXXX XXXX  XXXX XXXX {$0.00}, XXXX XXXX XXXX Balance {$110.00}, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX, XXXX XXXXnquired on XX/XX/XXXX 2023
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ASSOCIATED BANC-CORP (WI)

I received a text message from XXXX stating the following : " Associated Bank : Did you attempt to use your debit card for {$2000.00} Scheduled XXXX Payment Reply Y ( Yes ) or N ( NO ) Msg & data rates may apply. '' I do not have XXXX, nor do I have {$2000.00} lol. 

Additionally, I have been called by private numbers twice since. Also, I have been called by XXXX and XXXX, and they are persistent and definitely malicious.
Consumer complaint received 2024-06-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Me and my brother have a joint bank account where he was depositing his checks to cover house bills. He deposit a check which was returned according to capital one it was due to an invalid bank account. The employer wont issue a another check because capital one sent them a copy of the check stamped proving the deposit and there account hasn't received the funds. I have contacted capital one 3 -4 times regarding the issue all they can say is that they will send me a letter saying they don't have the funds but my employer as well, its a he said she said situation. Being that I have credit cards and continue to use this account i feel as if capital one isnt taking care of the matter.
Consumer complaint received 2023-05-04
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. (NJ)

I sent dispute letters to XXXX, XXXX and Experian on XX/XX/2023 and asked them to reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX and XXXX I asked them several times to correct this information and they keep responding that the information has been verified. The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 15 USC 1681 I have a right to privacy According to 15 USC 1681S-2 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 In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my report. 

The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is inaccurate, the high credit is inaccurate, credit limit inaccurate, date of last payment is inaccurate, account status is not accurate. This is grounds for removal. 

I can go on and on about how the credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (IL)

A history of systematic credit denial starting in XXXX to the present. Recently, XX/XX/XXXX denied credit, in order to build credit score for home loan approval. I explained to credit counselors of my hopes to purchase a first time home. But, nfcu had other plans in store for me, which shattered any hopes of building my credit and achieving good credit. Instead, nfcu sent me letters falsely accusing me of being an Irate disrespectful customers beginning back in XXXX to the present. In addition, I was contacted by nfcu Security Team back around XXXX, instructing me to never call, or set foot on any nfcu premises, or else??. Most recently, I received a letter, dated XX/XX/XXXX, falsely accusing me of Repeatedly calling nfcu representatives and disrespecting them. I was told by letter to bank on line with nfcu only. No thank you, I immediately responded to the letter false assertions using my mobile app. Nfcu, responded back to me by my mobile app messaging, informing me how I had to resolve any issues, by writing to them only. I was shocked and bewildered at this time. On XX/XX/XXXX, I called nfcu Corporate office, requesting to speak with Corporate management, but, was denied with, no I can not speak with Management, I was told that I was restricted from speaking to anyone in Management, in order to resolvce any issues regarding credit lines, or approvals, or closing my checking and savings accounts. I became emotionally distraught by what I was told. I am a XXXX Veteran and had been banking with Nfcu over 20 years. Now, I find nfcu discriminatory and deceptive practices to be highly offensive and absurd assertions of my communication with their representatives to be unfounded. This financial institution has done a great disservice to the military community. I am requesting that nfcu be sanctioned and that my current good standing, bank accounts be closed with nfcu. This is what happens when banks become to big and go unchecked.
Consumer complaint received 2022-10-27
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. (AZ)

As I looked on my report I noticed that my right to privacy has been violated. By Law XXXX XXXX Part XXXX - FAMILY EDUCATIONAL RIGHTS AND PRIVACY ; Student loans should be kept private from my report. You have violated my consumer rights and I would like a proper investigation. Please send me an ORIGINAL STATEMENT with my signature that gave you authorization to furnish these loans on my consumer report. 
XXXX XXXX XXXX # XXXX. Due to the furnishing of my private information I have been denied good faith in credit for goods and services. This is damaging and Im very disappointed in this credit reporting agency.
Consumer complaint received 2023-05-04
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: Experian Information Solutions Inc. (TX)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: JPMORGAN CHASE & CO. (SC)

The consumer attempted to extend themselves credit through Chase. On XX/XX/2021 the consumer was denied because of XXXX violating 15 usc 1691. This is a written demand to ceo XXXX XXXX, cfo XXXX XXXX, XXXX XXXX XXXX and to whoever else it may concern to extend credit to XXXX XXXX Reference # XXXX the consumer who has endorsed this action in good faith. And if there is a inquiry or adverse action on the consumer report delete it now or a criminal complaint will be filed.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (SD)

I had unauthorized transactions on my card I called filed dispute in XX/XX/XXXX I was told on the phone and also in email that my disputes were filed and give XXXX from date that dispute was filed and inwould recieve notification. On dispute giving me credit or if they needed mor time to investigate up to XXXX days and that I would be eligible for provisional credit. In order to recieve provisional credit I had to file a declaration of fraud form and send it back to them with in XXXX days or I XXXX not receive provisional credit I filled out required form and sent it back XXXX times just to make sure. I called because XXXX since filing dispute has passed and I have not recieved any information or credit I was not giving any resolution was told to continue quiting when I inquired about the email stating inbound recieve information or credit XXXX days from day dispute was filed and I wanted to know why I was not provide with an answer other than. Wait some more I explained it's not acceptable there are regulations they they must follow that I had money taken from my account that was unauthorized I was told XXXX I have bills and this was cause XXXXXXXX XXXX XXXX I was told again wait more days and I said I waited that the time frame given by them has passed and I would like an answer I was not given XXXX and was not allowed any information as to why or allowed to speak with anyone else that could help me.
Consumer complaint received 2023-05-04
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: Experian Information Solutions Inc. (MI)

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX XX/XX/2022, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$1000.00}
Consumer complaint received 2017-06-28
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. (AL)

I submitted a dispute with Equifax on  XXXX / XXXX / 17  for an account that has been reporting the incorrect balance. Along with the dispute I attached an invoice from the company that is reportin g (   XXXX   XXXX   ) th e incorrect amount. I spoke with a supervisor on  XXXX / XXXX / 17  that was Extremely rude and argumentative that my notice was not sufficient evidence. My notice clearly states the amount and it is different from what they are reporting. I received my results on  XXXX / XXXX /   17  that states the results conclude that  XXXX   XXXX  has verified and OUR company is reporting correct information. I feel as if that supervisor I spoke with was being rude with that " OUR '' statement.