davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2023-06-16
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. (MD)

Hello on XX/XX/2023 I sent out letter to credit bureaus to " INVESTIGATE EVERY PIECE OF INFORMATION '' on my accounts I have listed below. Also I have attached the letters I sent out and also here is the tracking number : XXXX XXXX  XXXX XXXX XXXX  XXXX Equifax XXXX  XXXX According to the FRCA the Term " INVESTIGATIVE CONSUMER REPORT '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted with or who may have knowledge concerning any such items of information. 

They have stated my accounts was " VERIFIED '' but how is this possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % ACCURATE. And according to the FRCA 15 USC 1681 everything has to be 100 % ACCURATE. Also I have the credit report showing these inaccuracies. 

List of Accounts XXXX 1.XXXX  XXXX Account Number : XXXX 2.XXXX  XXXX Account Number : XXXX 3. XXXX XXXX  Account Number:XXXX XXXX 1.XXXX XXXX Account Number : XXXX 2.XXXX XXXX  Account Number : XXXX 3.XXXX XXXX Account Number : XXXX Equifax 1.XXXX XXXX Account Number : XXXX 2XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I am not certain if this is my problem but its the only thing I can see that changed on my credit report. My credit score drastically dropped from XXXX to XXXX in some cites and XXXX on Experian. My credit report is showing that our mortgage was paid in full in early XXXX. I did receive notification from XXXX XXXX XXXX XXXX at the very end of XXXX that my mortgage was being sold. to another company, XXXX XXXX XXXX Mortgage. However, my mortgage is no longer showing on my credit report and I am wondering what's happening. Our mortgage was covered with XXXX Bank for over 20 plus years then all of sudden it was sold to XXXX I believe in XX/XX/2022. Then in XXXX XXXX is selling the mortgage to someone else. I don't know what kind of games they are trying to play but my husband and I do not want to get caught up in anything with us being so close to paying off the mortgage. We don't know if some company is trying to run a scam on us and we are not going to have it. Somehow somewhere our mortgage balance is being hidden and not being reported on our credit report. My credit score should be reinstated back to normal quickly and not gradually increased, it is not fair nor honest to destroy someone's credit score.
Consumer complaint received 2023-02-26
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. (MN)

Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the FairCredit Reporting act. The list of the account above has violated my consumer rights privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A, States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states : 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 crime 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 be that the information is in accurate.
Consumer complaint received 2018-04-13
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. (FL)

I sent a dispute requesting information on the debt to Transunion and XXXX XXXX XXXX the debt has not been validated no document has been sent verifying any information. 

No copies of a signed agreement or history of payments made to the company has been sent. 

Requesting if this debt can't be validated for it to be removed from credit records as it is hurting my credit.
Consumer complaint received 2023-05-23
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. (NC)

Here is a list of hard Inquiries that I have no knowlege of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bankers Auto Acceptance (CA)

On XX/XX/2023 at XXXXXXXX XXXX I called Time Finance Company to return a miss call. I had a voicemail to call back XXXX which I did but since she was assisting another caller someone else answered and from the beginning was very rude. She asked if I was calling to make a payment I stated that I was calling regarding a XXXX call and to know what its about. She said to pay if I'm going to pay I owe {$710.00}. I asked if I may have a summary emailed to me because I wish to know where this extra charge is from, she refused and said why do I want that info I just have to pay. 

As a customer I believe we have that right to know where our money is going, what the balance of my loan is, especially if there is un known charges. 

I proceeded to inform her back in XXXX I made a bigger payment due to being behind, I stated the quantity, she got an attitude and getting smart yelling you were behind 3 months what did you expect. I agreed yes due to hardships I was and that's what the big payment was 3 months worth of payment so where is the {$710.00} from? She still didn't wish to answer my question just kept repeating if I am going to pay. 

That's when I started recording and informed I was recording the call she got angry, real defensive started yelling I don't have the right to record her I responded with just like they don't have the right to contact people I never had put as reference and have a restraining order against. She just kept yelling I don't have the right to record her said she no longer will speak with me I can call back and speak to a supervisor. 



All this over me asking where is the {$710.00} charge is and if they can email me a summary of my payments, interest rate, pay off balance? I would have never thought it would be a crime to ask for any of this information. If you go to XXXX reviews for Time Finance its the same story with other customers speaking how rude they can get that's why I rather file a complain than to call and speak to someone else who will probably give the same attitude or worse without answering my question.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

I originally filed a complaint against Truist and XXXX, and have just received their stupid and fraudulent response : XXXX SUBMITTED ON XX/XX/year> PRODUCT Checking or savings account ISSUE Problem with a lender or other company charging your account Please note, I don't understand how XXXX and Truist began mailing " documents '' in the same envelope when the real XXXX does not. 

1. I recently contacted my old employer, XXXX XXXX, and asked the Payroll manager who is XXXX. She told me that my " tax person '' did not do my paperwork for the IRS correctly that is why XXXX needed for me to pay my taxes. Please note, I have never been a " payroll person '' -- I am a XXXX. If there were any errors on my taxes before being issued my checks for my job, I had nothing to do with the overall framework of preparing checks for employees. ( I am attaching that conversation ). 

2. Regarding Levy Garnishment obtaining permission to enter my son 's checking account which he owns, I NEVER authorized that as the rep from Truist insinuated I did. Therefore, I would like Truist to return my son 's {$410.00} that they took without permission or authorization from me. I have never owned my son 's account because he was old enough to open the account for his use. 

3. I would like Truist to provide proof that my son and I own a safe deposit box with the bank. We do not own any safe deposit box ; therefore, I would like to be reimbursed for the {$120.00} that Truist illegally took from my son 's account.

4. I also would like to have the {$1000.00} that was removed from my checking account that left me with {$26.00}.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Medical Data Systems, Inc. (PA)

I am trying to dispute so many accounts that I havent never heard of. I been not using my credit and my credit has been getting used and I am getting punished for this as you see my credit is going up. Only thing I have that I apply for is XXXX and I have XXXX in my account now I need someone to call me at my number XXXX because this is ridiculous and I am trying to buy a house and use my credit and now Im looking at things that I never even applied for even addresses that I dont even know
Consumer complaint received 2023-02-02
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. (IL)

There are several accounts on my credit report that do not belong to me. As of XX/XX/2023 their online dispute platform seems to be broken and can not be used to file a dispute. For this reason, I'm hoping CFPB could step in and help to open up communications with the credit reporting agency.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aldous & Associates, PLLC (PA)

There is a gym membership account from XXXX XXXXXXXX in collections with Aldous and Associates on my XXXX credit report that I never opened. I have never been inside of any XXXX XXXXXXXX location and I most certainly never signed any contracts with them. I had a former XXXX 's XXXX membership which I ceased using in XXXX. The XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, PA XXXX moved to a new location in XXXX which I never visited. In XXXX they filed XXXX XXXX bankruptcy and the court ordered liquidation of all of their assets. I then began getting debit card charges from XXXX XXXXXXXX operating out of the former XXXX XXXX XXXX location that I never stepped foot in. I called XXXX XXXXXXXX to have the debits stopped but was hung up on several times. I eventually closed my bank account they were using to collect payment. XXXX XXXXXXXX now claims I owe them {$200.00} and has reported this on my credit report. I have never been in their gym and refuse to pay for something that will be on my credit report for seven years, especially since I've already paid several months before I closed my bank account. I do not believe I legally owe them any money since I never verbally or in writing made any such agreement with XXXX XXXXXXXX or Aldous and Associates.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BMO Bank, N.A. (CA)

BMO acquired Bank of the West. I have a credit card in Bank of the West.

They terminated the support for Bank of The west app and forced me to apply for BMO account. It was possible only via web interface.

They did not notify me in any way that Bank of the west app would be unsupported. 

When I logined using XXXX XXXX XXXX XXXX I noticed that they failed to collect payer account information and I needed to add it again manually. 

This acquisition is the failure. I assume many people call them and the call center is overloaded but they af course charge late fees and interest. 

BMO is the scam. I already filed a complaint about them how they deceive when you open CD and they charge you the balance above the potential interest if you terminate earlier. They also don't hesitate to manipulate with credit cards.
Consumer complaint received 2024-04-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (TX)

Opened an account with Robinhood on XX/XX/XXXX. Order placed for {$1000.00} of bitcoin that day. On XX/XX/XXXX placed another order of {$49000.00}. Both of those orders were executed on the days they were placed. Also after the last order on XX/XX/XXXX we get an email saying account restricted, cant do anything with it. They sent another email saying that they detected unusual account activity. They would call an action was required to lift the restrictions. Someone called money bank statements ID so all that was given. That was XX/XX/XXXX but those were requested. That very same day we requested someone call us on the app link and they never did. On the XXXX they said we had violated the agreement and that they were going to determine whether or not to close our account but we werent sure exactly what that agreement violation was. On XXXX the XXXX they sent us an email saying they were. They made the decision to close our account. On the XXXX we also got another email saying the order to sale the bitcoin Was executed. Which we did not request. There were several other emails exchanged on for on this XXXX with no real answers. Only if you still have questions or concerns contact us or close your case. Weve sent several messages today, XXXX XXXX and asked repeatedly to have somebody call us and we still get no response just the same. We understand your concerns were investigating if this does not answer your questions then contact us or close your case.
Consumer complaint received 2024-04-24
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (DE)

Columbia Debt Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Genesis Credit Management XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX These XXXX companies are reporting the same debt but under XXXX different names. They have different company names and addresses but the same phone number. The original company is XXXX XXXX XXXX, XXXX, DE, with a owed balance of {$7200.00}. This account was opened on my credit report on XXXX XXXX 2023 ( XXXX ). This debt owed is a result of COVID 19 hardship, that was applied for rental assistance for the debt.
Consumer complaint received 2023-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (NC)

The company Sequium Asset Solutions placed a collection debt on my XXXX XXXX credit report. They are saying I owe {$550.00} for a XXXX XXXX XXXX XXXX. This is not my account. I do not have XXXX XXXX XXXX XXXX. I did receive several phone call from XXXX mentioning about the same account. I did speak with them on the phone XX/XX/XXXX. And I told them this is not my account. I was told to call XXXX XXXX XXXX, which I did. They suggested I file a report with Identity Theft Report. I that on XX/XX/XXXX. I have not spoken with Sequium Asset Solutions, but I did do some research on them and found similar incidences to my case. Also I spoke with XXXX today concerning this situation because I received a notification.
Consumer complaint received 2023-06-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Lack of dispute response for 2 annum ; Violations of the Fair Credit Reporting Act ( hereafter the FCRA ), 15 U.S.C. 1681, et seq., as amended. 
By sending a consumer dispute to EQUIFAX INFORMATION SERVICES INC., the XXXX   was duty bound to respond within 30 days and failed to do so. 
EQUIFAX has been reporting items that are not verified and inaccurate. These statements and information relating to Plaintiffs credit history have been reporting to third parties. 
According to the FCRA, information that can not be verified within thirty ( 30 ) days must be removed. EQUIFAX failed to remove the disputed items after failing to verify them within 30 days. 
The FCRA requires EQUIFAX INFORMATION SERVICES INC.. to engage in a reasonable investigation of disputes imitated by consumers but EQUIFAX INFORMATION SERVICES INC.. ignored Plaintiffs request for information/ documents for the disputed items. 
Defendant EQUIFAX continues to report this information monthly, sending the same to Plaintiffs creditors, despite marking items in dispute status. 

Pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o, EQUIFAX INFORMATION SERVICES INC.. is liable to Plaintiff for engaging in the following conduct : negligently failed to timely and properly re-investigate the inaccurate information after receiving notice of the dispute from the Plaintiff and to timely delete the inaccurate information, in violation of 15 U.S.C. 1681i ; and negligently failed to employ and follow reasonable procedures to assure maximum possible accuracy of Plaintiffs credit report, information and file, in violation of 15 U.S.C. 1681e ( b ).

negligently refused to add notice of dispute status in Plaintiffs credit reports in violation of 15 U.S.C. 1681i ( b ).

negligently refused to provide a copy of consumer report upon request upon a consumers request in violation of 15 U.S.C. 1681.

negligently failed to conduct a reasonable investigation pursuant to 15 U.S.C. 1681i ( a ), which imposes on a consumer reporting agency the duty of conducting a reasonable reinvestigation of disputed information.

The conduct of EQUIFAX was a direct and proximate cause, and a substantial factor, in bringing about serious injuries, and actual damages to Plaintiff that are outlined more fully above and, as a result, EQUIFAX INFORMATION SERVICES INC.. is liable.
Consumer complaint received 2023-04-20
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. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Oklahoma Student Loan Authority (AR)

My complaint is about how my account was handled during Covid. In the month of XXXX XXXX, because my mail from them was being returned, due to me being homeless because I lost my Job during covid and had limited resources they uninsured my loan and now I can't get my loan on an income driven plan and have my loan figured on my income and family size. I can only do a standard payment that is so high it would put me back into a homeless status again. I can not believe a company would not want to help someone that tried my best to keep up with my loans. Especially because the only reason it went into un insure status because of mail being returned., you would think now they could reverse it just as they put it in that status. I am just blown away because I am trying my best to get this account resolved but I'm always hitting a brick wall.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Deposited my paycheck on XX/XX/XXXX via mobile deposit. On XX/XX/XXXX, USAA created a hold of 40 % of the amount deposited ( {$4100.00} ) until XX/XX/XXXX. It is XX/XX/XXXX and the funds remain frozen. 

I chatted with an agent via the USAA App who explained that the holds are for preventing fraud and that she would see if she could release the hold early. That did not work. She then asked me if I wanted to escalate the issue to the supervisor via telephone call. I said Yes. 

The supervisor then told me it was random to which I asked, if its random then why are you holding the money now that I have contacted and escalated the issue?. She would not answer. Would not provide me with a reference number and would not give me her name or any way to refer to the complaint and escalation. 

For context, Ive had a USAA credit card and insurance policy since XXXX. I have a savings account and have been depositing my paychecks for over 6 years the same exact way. My recent credit score was XXXX. It seems wrong that USAA would hold my paycheck for such an extended period of time and then refuse pertinent information including the representative or incident detail. Very disappointing.