davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

My name is XXXX XXXX XXXX today I received a notification on my email saying that I had a credit coletor on my credit report when I verified the information shows Southwest Credit System I dont have any account with southwest credit system I wasnt never advised of anything I didnt received anything from them so I dont know who they are why they are reporting something that Im not aware of it and they only think I could see was the amount of XXXX. Im a Texas resident abs I never had anything for XXXX I need to know who is using my information and why I never was contacted and never received anything this is very suspicious
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Self Financial Inc. (MD)

SELF Financial issued me a secured credit card after I successfully completed phase I which was making payments on time for 12 months and then SELF used the money I submitted as payments for the security of the credit card. After two months of using the card on occasion and then paying it off each month, SELF doesn't apply that payment towards the credit card balance until weeks, and at times, months later and it's not calculating correctly. Someone needs to please help me by looking into their fraudulent ways.
Consumer complaint received 2021-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (CA)

We bought a household appliance on XX/XX/XXXX with our Chase credit card. The appliance was under warranty but the company refused to service the appliance after calling them every day for weeks. 

We reversed the charge, and the company sent us to debt collection. The debt collectors sent us an intimidating email so out of fear we sent them a check on XX/XX/XXXX to pay for the appliance plus an additional late fee that was 33 % of the original payment. 

Then Chase undid the charge reversal, meaning we have paid the company twice. We contested this and sent detailed proof to Chase that we had paid the debt collectors, including the emails from the debt collectors and scans of the exact check we sent to them. 

We are stuck with a broken appliance that we have had to pay more than double the price for. Please help.
Consumer complaint received 2021-05-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (AZ)

I have not had any attempts from the company to contact me on my debt just got served. They never sent billing statements or called. They say they sent statements but I never received any. Also I never took this line of credit out with them. It was with Pay Pal synchrony never sent a notice that they bought my account or anything if that is what happened. I am a XXXX was XXXX. So with out trying to contact me or send me a debt validation letter as I was never given a opportunity to request one. What they do is get a attorney to sue for a debt you have no clue about with them. Also when the court sets up a mediation synchrony files a motion for summary judgment. They have yet to respond about never contacting me. They go with a big XXXX that I owe them money with no proof. They can not even go to a mediation so they must not have any to show at mediation. You guys should go in a review them. You will probably find violations and be able to fine them.
Consumer complaint received 2021-05-22
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: Experian Information Solutions Inc. (GA)

Experian has continued to maintain this inaccurate invalid information on my credit report. [ Dispute report # : XXXX ] while violating regulations the FTC set forth. I have informed them several times in writing as well as electronically and asked that this damaging false information needed to be completely removed/deleted from the report. 
The Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in 1970. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement reasonable procedures for ensuring that credit information about a consumer was collected, maintained, and dispensed in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information FCRA, 15 U.S.C. 1681 ( b ) ; Safeco Ins. Co. of Am. v. Burr ( 2007 ) 551 U.S. 47, 127 S.Ct. 2201, 2205. The Congressional findings noted that [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumers right to privacy. FCRA, 15 U.S.C. 1681 ( a ) ( 4 ). 
First, the FCRA at subsection 1681s-2 ( a ) prohibits furnishers from reporting inaccurate information about consumers. As such, it placed an affirmative duty on furnishers to correct and update information which they know, or reasonably should know, is inaccurate. 

I ask that all the accounts contained in Experian 's above mentioned dispute report, all be deleted immediately from my credit report.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have been making requests to further investigate the accounts referenced in the attached letter for the last 5 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2021-05-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

On XX/XX/XXXX my XXXX XXXX XXXX son was contacted by someone on XXXX and asked if he had a USAA XXXX account and said they would pay him to talk to and be a friend of the scammer. My son was provided with {$11000.00} in checks, mostly {$1500.00} but one {$2500.00} check to deposit to his account. The funds were deposited to the account and the entire amount was immediately made available. He was able to make two wire transfers, onXXXX in the amount of {$1900.00} and the other for {$2500.00}. The scammers provided him with a video via XXXX on how to make a wire transfer on USAA. Additionally, he was instructed to XXXX two transactions and make visa gift card purchases. All in all, he was allowed to have access to withdraw the the entire amount through various transfers and purchases. USAA reports that they sent an alert to the XXXX XXXX XXXX account holder. They did not send alerts to the adult account holder. I noticed that another consumer reported a similar experience in XXXX of this year. These scammers are intentionally targeting youth with USAA accounts because of the lack of financial controls that other banks have implemented. USAA is aware and is not acting responsibly. I can't imagine any universe where a XXXX XXXX XXXX needs to send wire transfers. My own bank limits ATM withdrawals to {$1000.00} per day on an adult account! 

USAA is failing to implement appropriate controls to protect military consumers with youth accounts. They are aware that their youth accounts are being targeted, as evidenced by the report filed a couple months ago, and the multiple communications I have had this week, and still fail to take action to protect their consumers. 

Additionally, USAA has denied me to take a loan to preserve my credit rating, even though I have good credit and financial means to pay. " There is no second look. '' They are not working with me at all.
Consumer complaint received 2024-03-26
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (FL)

We have our accounts with XXXX XXXX and use Bill pay through them. We had paid the first few payments and they got them to Regions Bank with no problem. About XX/XX/XXXX Regions bank contacted me to say they got no payment. I checked with Bill pay and it is set up to do a monthly payment and confirmed that it was sent on XX/XX/XXXX. I contacted XXXX XXXX both on phone several times and also two times in person at the branch near my home. According to their records it was paid. So I continued to send the next months payment which would be XXXX also and they claim they never received the payment at Regions bank. 
I have spoken to both Regions and XXXX XXXX at least 15 times two times it was a conference call. XXXX XXXX has debited my account for the payment both months but no one seems to do or really care how long this process takes. 
It took me 3-4 phone calls to Regions for them to understand that this was not a check in the mail. It was send electronically from XXXX XXXX to Regions and has been accepted on their end and put somewhere. Two seperate times XXXX XXXX andI have sent proof of payment to Regions bank and after their 5 day review they do not accept the proof. I have talked to an attorney and everything he told me to get from the two banks they tell me I can not have this information such as routing and other particulars. 
I really do not know where to turn. They write letters about foreclosure, they have contacted credit bureau on us also. 
We are seniors my hubby is XXXX and XXXX and very ill and I am taking care of him. This hardship is killing my ability to care for him. 
Please help me if you can neither of these banks seem to know how to solve a problem.
Consumer complaint received 2021-05-23
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: ENCORE CAPITAL GROUP INC. (AL)

I have been requesting, since XX/XX/2021, verification of the alleged debt that they keep reporting on my credit files. However, MIDLAND FUNDING failed to investigate & obtain, as mandated by law, proof of such debts. Yet, the bureaus - XXXX, XXXX  and XXXX  have continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.
Consumer complaint received 2017-03-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

my husband has a student loan that in  XXXX  different agencies, still default but  XXXX  of them told us to do a rehab program for 9 months just {$5.00} a month ( this is only we could affo rd )  so it will be out of default once this rehab is over. But they told us to call the another agency to do the same with them, the problem is their program right now that is available to us is {$100.00} a month for rehab. I spoke with the dept. of education few wks ago and they said it should be all the same if that only we could a fford (  {$5.00} a month ). Right now this other agency that 's collecting {$5.00} from us still garnishing my husband wages until 5 months of rehab is done, we can not do {$100.00} for this another agency, it is too much for us family, we are really struggling with money. thank you
Consumer complaint received 2021-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

XXXX and Experian do not honor the FTC laws related to the removal of fraudulent credit items. XXXX  customer service is primarily outsourced and most do not have a clue about proper procedure. Experian is also primarily outsourced and their staff withhold information as to why they arbitrarily choose to not block items that are supported by a FTC ID Theft report. These people do not care if your life is adversely affected by their inaction. 

I would like to sue both companies, as I have read the consumer protection laws and they are not following the laws as they are written. These entities can not play XXXX with people 's lives in this matter. Are their attorneys that specialize in this area that can litigate cases like this?
Consumer complaint received 2021-05-23
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. (MA)

After TransUinon had deleted a inaccurate late notice from XXXX XXXX XXXX for XX/XX/2020 TransUinon reinstated the inaccurate late notice without giving me the 5 day notice before reinstating as required by the FCRA. This is a violation of the Fair Credit Reporting Act. This late notice for XXXX is inaccurate.
Consumer complaint received 2021-05-23
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. (DE)

On XX/XX/21 I sent dispute letters via certified mail to all 3 bureaus. On XX/XX/21 I followed up with a demand to comply letter, again sent via certified mail. To date, I have not been notified in regard to any of these accounts. According to the FCRA these accounts must be removed immediately from my consumer report. I XXXX XXXX am submitting this complaint, not a 3rd party. Thanks!
Consumer complaint received 2021-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I asked to be provided a proper investigation into accounts listed on my credit report, I specifically asked the bureaus to validate the accounts they are reporting. It has been over 60 days now and I am concerned. I haven't been notified of any results or an investigation into this matter. Hopefully I can get a response, Thank you so much.
Consumer complaint received 2017-05-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (AR)

When I started paying on the loan to  Navient and  was unable to pay the full amount because of going through a financial hardship, they didnt give me the option to have a lower payment. When they finally told me about it and my loan went into forbearance it accumulated so much interest making it even harder to pay off. So no w Im s tuck paying off interest
Consumer complaint received 2023-08-13
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. (VA)

In accordings What the fair credit reporting act The list below of accounts has violated federally protection consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXXDEPT OF ED Account number:XXXX  Account name : XXXX/DEPT OF XXXX Account number:XXXX  Account name : US DEPARTMENT OF EDU Account number:XXXX  15 USC 1681 section 602 A states I have the roughy to privacy.15 U.S.C 1681 section 604 section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer containing any of the following item of information any other adverse items of information other than record by conviction of crimes which antecedents the reporting by more than seven years. 


15 USC 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 believe that in information is inaccurate.
Consumer complaint received 2021-05-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (GA)

My name is XXXX XXXX XXXX. I am a victim of identity theft. There were thieves using my identity to open accounts in a utility company XXXX XXXX XXXX in the period of XXXX to XXXX. These accounts were not noticed until they were delinquent and subjected to collections. The collections never reached to me but showed up in my credit report in XXXX. Both the collection agency which is XXXX XXXX XXXX and XXXX have never informed me these collections. 

This spring, we purchased a house for our primary residency. When I apply the home mortgage loan from US Bank, I was rejected because in my credit report there are these collections from the accounts I never knew. Now I can not get a loan because I am a victim of identity theft. 

I have acted quickly to resolve the problem. I reported the identity theft case immediately to the XXXX County police. The case number is XXXX. After receiving the police report, I contacted the three entities : XXXXXXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. I sent mails, made phone calls, sent emails to get their attention to correct this problem. Now, all three of them had verified that these accounts are not mine and their collections are not my responsibility because my stolen identity had been used to open these accounts by the thieves. The XXXX XXXX XXXX told me that it takes couple of months to withdraw the collections from the credit bureau, and XXXX told me my dispute was completed but they are investigating my case, in the meantime these collections can not be removed from my credit report. I do not know how long time they need to investigate it. The US bank will not consider my loan application because these collections are still in my credit report. 

I stuck here. I do not know what to do. I feel helpless.
Consumer complaint received 2021-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Around XX/XX/XXXX or XXXX my account was put on hold. I was told it was due to fraud. I left several messages and was told that someone would get ahold of me. I would call every week that would pass to complain that I have not heard from anyone yet. I even sent them by email paper work to show the money was mine and had every right to it. I even explained that as a XXXX XXXX I have lost tons of my due to not being able to access my money. It's now been 1 and a half months. This PPP loan was supposed to help my business get back on track and instead it put me deeper in the hole.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

Add Remarks to my XXXX XXXX XXXX  closed account. 
A ) was attempting to catch-up on payments before account was closed, all attempts to do so was rejected by the bank in a rude manner. 
B ) was harrassed by a collection agency hired by XXXX XXXX XXXX to collect on past due amount, but the a higher amount was asked. A FDCPA violation. 
C ) repossession company breached the peace by entering the house unannounced and making demands. 
D ) still charges interest on this closed account to make it look like I haven't made a single payment in the accounts history.
Consumer complaint received 2021-05-22
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: USCB Corporation (TX)

I am raising the issue of 11 U.S.C. Section 362 ( k ) ( 1 ) provides that an individual injured by any willful violation of a stay provided by this section shall recover actual damages, including costs and attorneys ' fees, and, in appropriate circumstances, may recover punitive damages. 
I will sue this credit reporting company for violating my automatic stay under federal law. I filed bankruptcy and included this company. The company knows I included them in my bankruptcy and are still trying to make a collection. You have violated my right and federal law.