davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (WA)

Discover  Credit Card From  XXXX  until now, currently  XXXX   XXXX , I 've been being charged for a " payment protection plan '' monthly that I did not sign up for. I 've used auto pay since I can remember and never noticed the charges until now.   Why would anyone pay ove r 50 $  a month just incase they miss a minimum payment? This is not a service that I would knowingly sign up for.     I called the company and they said they would reimburse 6 months of fees and admitted this has been an issue with a lot of customers. I 've never once used the service or ever wanted a service like this. I 've paid o ver 2,000 $ t hat I know of, to this service that I have never used and never wanted over the years. They have had me enrolled in this service unbeknown to me since  XXXX .     Through research online I know a lot of people have had this happen and their have been lawsuits over this issue. I 've read that more money has been reimbursed than 6 months of fees.
Consumer complaint received 2023-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I HAVE REACHED OUT TO TRANSUNION SEVERAL TIMES THROUGH CERTIFIED LETTERS PHONE CALLS. THEY STILL HAVE NOT RESOLVED THIS MATTER. I HAVE A REPORT FROM THE POLICE AND FTS REPORT AS WELL. THIS IS MATTER IS HINDERING MY CHANGES AT BUYING A HOME, AND HAS PUT A GREAT DEAL OF EMOTIONAL STRESS ON ME. THIS HAS HINDERED ME IN JOB OPPORTUNITIES AND MY LIVELIHOOD. THIS IS A DEFLAMTION TO MY CHARACTER AND ALSO AGAINST THE LAW. 
In accordance with the fair credit Reporting act XXXX Account # XXXX  has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX  Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (IL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-11-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

On XX/XX/21 I applied for an auto loan with XXXX of XXXX XXXX XXXX. Upon supplying my information which included name, income, address and most importantly my social security number I was denied business for the extension of my credit. Its my understanding that per the Federal Reserve Act Section 16 that no application is denied and the amount of the application is received in legal tender. Its my understanding per that ACT that the application is money, and acts as money in this banking system. I applied for credit for an automobile with this institution and regardless of the reason for the denial I have a right to credit. Withholding my access to my securities is securities fraud. You are violating the Equal Credit Opportunity Act as well as the Consumer Credit Protection Act. Since you are denying me access to my credit, please retract my application.
Consumer complaint received 2024-05-29
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (NY)

Our Mortgage sold to Selene Finance, completed Borrower Assistance Forms for a loan modification. No loan modification offered, just a straight 30 year conventional mortgage that we can not afford nor is it manageable. Selene is deceptive in their illegal business practices. They are unwilling to work with us on one of the available loan modification programs that are made available to help families in a hardship situation, like ours or families fighting their ways out of a hardship situation. Available modification programs, Step - Rate Mortgage, a Flex Modification, Home Retention Option - Payment Supplement, FHA Loan, Interest Rate Reduction, or XXXX XXXX XXXX XXXXXXXX XXXX loans. According to HUD, " A new proposed monthly payment on a loan modification, including property taxes and insurance, should be about 31 % or less of monthly income. '' We asked for our investor/ who holds our loan, and Selene told us they can not give me that information. We believe they are worried I will ask the investor if they are receiving the information i am sending, again Selene is acting in an unethical way and breaking the law, illegal business practices. It is my legal right to know who is the investor. We disagree with their non- modification they had sent, we simply can not afford the payment of {$4500.00} making {$120000.00} this past year, paying 2 college tuition bills and a making student loan payments. Selene clearly did not consider the XXXX tax rate and being able to calculate monthly income minus expenditures. I would like a third party review of my submitted Borrower Assistance Forms. We are a family of 5 caring for our in-laws who live with us who are XXXX and XXXX. They must feel really powerful destroying families. Their BULLYING tactics, deception, illegal business practices, and hundreds of other complaints/ reviews of the XXXX and the Consumer Financial Protection Bureau XXXX Researching these 2 sites really puts things into perspective. We are looking for a loan modification according to guidances under HUD 's regulations. Selene will simply not make any attempt to hear us, they ignore you, and their favorite word is NO.
Consumer complaint received 2023-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX THESE ACCOUNTS, IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX THESE INQUIRIES WERE NOT AUTHORIZED. REMOVE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CONSUMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX OF XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-10-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: CHARLES SCHWAB CORPORATION, THE (PA)

My fathers 401K was distributed back in XX/XX/2022 to XXXX XXXX and then when XXXX XXXX moved to Charles Schwab Bank the money never transferred. I was told that the amounts had been distributed and that they would transfer to Charles Schwab Bank but they have not.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: NAVY FEDERAL CREDIT UNION (MA)

I was checking my balances in my savings account and noticed that Navy Federal Credit union had removed a XXXX for IRS withholding from my savings account. I called and they explained that my information on their files did not match anything the IRS had on file. This response is beyond ridiculous. I opened this account back in XXXX of this year and all information was given to them. If something is missing then the proper thing to do is to reach out ie ) a phone call, or email at least some request for contact before taking a customers funds.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I disputed this on my credit report more than once for XXXX installment loans, as it was paid off in XX/XX/year>. Yet, XXXX  just incorrectly reported to Experian ( FOR THE 2ND TIME ) that as of XX/XX/year> the installment loan is open and {$51.00} due. I advised XXXX that the loan was paid off and the account should be closed, and the representative refused to correct the information.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (NY)

i sent a notice of dispute dated XX/XX/24 to XXXX XXXX they received the dispute on XX/XX/24 tracking number # XXXX i.n the dispute i let them know that there was inaccurate information in my consumer report furnished to paypal credit/synchrony bank XXXX XXXX XXXX without my consent and paypal credit /synchrony bank did not follow reasonable procedures and failed to investigate the dispute its been more then XXXX  days already
Consumer complaint received 2024-03-12
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Data Mortgage Inc. (MD)

My account is on a XXXX plan. I called and set up XXXX automatic payments in advance. I do not see where payment was taken out of my account. Called to speak with someone about the status of the XXXX withdrawal for the last XXXX days. Loan was also sold from Essex mortgage to Essex mortgage?? Originally, The customer service numbers would not allow me to leave a message, it stated I would have to call back. More recently it is requesting I leave my number and someone will call back. No one has called back. I am also getting XXXX notices when I am paying the payment plan as agreed. Help
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to 15 USC 1681 a consumer report does not contain information about transactions with financial institution, which would entail payments.

I was supposed to receive 3 disclosures from the financial institution before they reported information to credit reporting agencies.

15 USC 6801 states that the financial institution is obligated to protect my non public information and not to share it to anyone.

15 USC 6802 states that the financial institution may not disclose information to non affiliated third parties any non public information unless the financial institution provides me with communication that information will be shared.

15 USC 1681 also states that all consumer reports shall not contain information that pertains to transactions or experiences, which payments are transactions.

Further under 15 USC 1681 i did not authorize information to be shared to consumer reporting agencies.

There are three alleged late payments showing on my credit report from the 3 biggest credit reporting agencies, which needs to be deleted based on the laws i stated above, and that i did not authorize these alleged late payments to be disclosed to the consumer reporting agencies.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act, account XXXXXXXX XXXX # XXXX, 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am extremely dismayed by the recent credit report I received! This situation is completely unacceptable. It baffles me that the government permits such glaring errors that have such detrimental effects on individuals. Unless you promptly and accurately address this letter, I am prepared to take any necessary steps to hold you accountable for your poor reporting practices. I have no knowledge of the following 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
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-10
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. (PA)

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights. 
XXXX Account # : XXXXXXXX XXXXXXXX  Account # : XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXXAccount # : XXXX XXXX Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Acc # : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.
Consumer complaint received 2020-03-25
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: TD BANK US HOLDING COMPANY (CA)

Account Name TDRCS/XXXX Account Number XXXX TDRCS/XXXX   Reported me 30 days late on XX/XX/XXXX and I was never late and I paid my account in full and satisfactory. I faxed letters to TDRCSXXXXXXXX  and XXXX  to be corrected and it still shows on my credit report. 

I submitted dispute to XXXX as NEVER LATE, ACCOUNT WAS PAID AS AGREED. Sent documents and they never fixed and just said it was investigated with no resolution. 

Date Opened XX/XX/XXXX Date closed : XX/XX/XXXX TDRCS/XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (TX)

On XX/XX/year>, we tried to make a payment on our mortgage account which would have made the account current before scheduled transfer of the account to another mortgage company. Unfortunately, our online payment option had been disabled and we could not make a payment. We immediately called XXXX to try to make a payment online with a representative ( XXXX XXXX XXXX and were advised that we needed to make the payment online because the online portal was still up and active. Again we logged into our online portal to try to make a payment and were unsuccessful. On XX/XX/year> XXXX who no longer owned the account made a negative report to our credit and when we were notified by XXXX XXXX on XX/XX/year>, we called XXXX and spoke with XXXX XXXX. We asked them how could they report anything to our credit when they no longer owned the account and intentionally disabled our online ability to bring the account current. She put in a request to see if XXXX would remove or reverse the adverse reporting. We advised her about the letter that we had received from XXXX stating that we would be able to make payments on our account through XX/XX/XXXX, but that was clearly not the case. We disputed the negative report on our credit with XXXX and XXXX, who reached out to XXXX at which time they removed the 30 days late for XXXX but added a comment that the account was transferred but 30 days late. We have tried numerous times to get them to remove any adverse action reported by them because they did not comply with the letter in which they sent out to us as a consumer. On XX/XX/year> we spoke with an escalation XXXX by the name of XXXX to try get a different outcome and was told that the report made by them would remain as is. By her admission she stated that they had indeed disabled our account before XX/XX/XXXX and any payments made needed to be received in the form of a check by XX/XX/XXXX. That was no stated in their letter and we were advised that any form of payment would be acceptable through XX/XX/year>. Everyone that we have spoken to has constantly given a different excuse to try to justify the deceitful act done unto us by XXXX Mortgage.
Consumer complaint received 2024-06-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Consumer Portfolio Services, Inc. (ND)

The original debt was for XXXX XXXX XXXX with Consumer Portfolio Services, in XXXX due to failure by CPS to honor statements by their representatives this vehicle was voluntarily surrendered in XXXX however payments were made through XXXX and the vehicle was not picked up until XXXX. The last communication from this company was a Volubtay Surrender form sent via email in XXXX XXXX  XXXX. Through my own tracking this vehicle was auctioned by CPS. 
Although we have moved twice since that time no contact was made despite mail forwarding and official change of address with the post office. 
This debt shows closed with a XXXX balance on our credit, however at the end of XXXX this year I was served with judgement papers from XXXX XXXX XXXX for the amount of {$8900.00}. 
I have never been contacted, and when I attempted to file a response I couldn't because they hadn't actually filed the papers, now as of XX/XX/XXXX, they filed the default of judgement. I was given no opportunity to file my response with the court, XXXX XXXX in XXXX XXXX North Dakota awarded it to them again with no time for me to file a response or knowledge that it had been filed. 
A response can't be filed officially until the case is filed and with no notice of it being filed and a judge that just pushes it through how can I fight a garnishment that is in fact not valid.