davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Acrisure Mortgage Partners, LLC (GA)

I closed on my home in XX/XX/XXXX, I had already had XXXX  once in XXXX and then it hit my home again in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I applied for the COVID forebearance in XX/XX/XXXX and was approved for 6 months. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and later in the year I applied for an extension on the forebearance and was granted. Today, XX/XX/XXXX, I requested the forebearance be extended for another 6 months which is what the mortgage company outlined on their website and I qualified for, BUT today I was told that since the plan didn't start in XXXX that I was NOT eligible. This is NOT what has been told to me throughout this process and should be extended due to the HUD backing on my loan. The lady that I spoke with from FBC Mortgage was SO UNHELPFUL and very short, she would not let me speak with a supervisor or give me another number to contact for a review of my complaint
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: DISCOVER BANK (FL)

I've been getting mail with offers for applying for a XXXX credit card and other CC for months. I have called the number listed in said mail to stop the pre-screening. I've called twice in a 3-month span. It's a nightmare to get off the list due to the robot-assistant in the call but both times I haven't hung up until it confirms I'm off the list. I'm still getting unsolicited financial product offers such as the XXXX XXXX offer in my mail weekly.
Consumer complaint received 2023-03-17
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. (GA)

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. 

has violated my rights. Or the list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 an 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 or 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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some Inaccurate accounts posted on my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

Your company is in clear violation of the law. Under 15 USC 1681b - the permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. 
Delete the above inaccurate accounts from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of XXXX XXXX XXXX. Fair Debt Collections Practices Act 15 USC 1692g violations XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX Please see the attached file.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (WV)

Wells Fargo I have had an account with since 2013. I signed up for checking that was free as long as I used 10 debits a month. I receive tips as payments and unknown to me, I was being charged a service fee every month because it changed without notifying me. I had no idea I was being charged because it was not described on my account. I had overdrafts because of this. The new policy said if I had direct deposit I wouldnt be charged but I did not sign up for this. I dont get a paycheck because I make tips through my job as a bartender. It is not clear to me how long I was being charged. Im not sure when the change accrued. I called to complain and one lady called me a liar and the other one said they switched. I should have had a free account as long as I used my Debit card 10 times a month.

I guess they were forced to disclose this charge eventually and i thats when I found out about tbr fees being taken without my knowledge or consent.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (FL)

There is inaccurate information reporting on my credit report the account must be placed under my social by mistake. I'm not responsible for this account, I do not recognize the account. I have not agree, sign or created debt with the creator reporting. I have attached my identity theft report.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

On the day of XX/XX/XXXX my business credit score was fraudulently impacted without any delinquencies on my companys credit report. Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (GA)

I have recently within the past XXXX or XXXX months disputed this information FROM XXXX XXXX ACCOUNT # XXXX that popped out of nowhere, as not being mine and not belonging to me. Also to add this account seems to be a corporate account which is not mines and is reporting in my personal consumer credit file. I have contacted Equifax and XXXX in regards to this fraudulent account and they are clearly in violation of my rights and FCRA for reporting this fraudulent information in my consumer credit file. It is not reporting in my XXXX file because when contacted them they clearly understood that this account was not mines and removed it immediately. This is causing me Great personal harm and making it extremely hard for me to obtain any type of new credit in my name.
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: International Computer Systems, Inc. (OK)

First collection services has been placed my account from a creditor. I have received a letter stating to send payments to the original creditor. I have been sending what I am able to afford and I reported this information to the collection agency as well before XX/XX/23. They have notated this in the account on their end that I am making payments towards the balance but they kept calling me. I asked to speak to a supervisor but at first the supervisor never wanted to speak with me but through an instant message with the agent. I demanded to speak to the supervisor and when I did she proceeded to tell me that they never agreed upon this amount and that I better pay more per month. Worst company ever! I will report this to the original creditor as well
Consumer complaint received 2017-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

On   XXXX   XXXX  , I submitted a credit card application for a Capital One Venture credit card.
I have high  XXXX  credit score on all  XXXX  credit reporting agencies. I have never missed a payment. I have always paid on time, before my payment was due and never have used more than 1-2 % of my available credit. I have zero debt and my income is over $ 75k/Year.
I 've had a Capital One secured credit card for 3 years now and am wanting to upgrade to the Venture card because of my job and traveling a lot. I could use the benefits.
I was denied the credit card and when i asked for an explanation no one would tell me and said they could not connect me with anyone higher up that could tell me why i was denied. I feel as if they are discriminating because of my age. I was laughed at over the phone when i tried asking for someone in the executive office.
I am shocked at Capital One. I have been a loyal customer that has NEVER had any negative report on my credit. I am trying to stay with Capital One, but if this ca n't be worked out i will be going to   XXXX   since they pre-approved me for the  XXXX  Card.
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (IL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX days old.
Consumer complaint received 2023-03-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (UT)

I traded in my vehicle before the end of my lease. 

The dealership where I purchased a new vehicle paid off the total amount due at the time of trade in. 

I received a letter from Kia Motor Finance America stating the lease has been paid in full and any obligation has been satisfied. I also received a refund check from Kia Motor Finance for a refund about of {$130.00} due to overpayment on the payoff. Upon attempting to deposit that check it bounced and I incurred a {$12.00} fee. 

I continue to receive weekly or biweekly collections calls about the lease. On multiple of these calls the agents have stated they see the full payoff amount and they will notate the account, yet nothing changes.
Consumer complaint received 2017-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

I submitted an application for Loan forgiveness through Federal Student aid loan or loan reduction due to a school that has been known to been falsely advertising themselves, in my case   XXXX   XXXX  ,   XXXX   XXXX  . I submitted complaint to both sides more than once with a follow up status if my application has been accepted or not, this has been since  XXXX .2016, I have all proof to show, I call numbers and send emails yet no response.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Resurgent Capital Services L.P. (FL)

LVNV LLC and RESURGENT CAPITAL SERVICES are trying. to collect a dept that I do not own. 
I never requested their credit or credit card. 
I want to dispute this debt because I know this is not my debt.
Consumer complaint received 2023-08-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (VA)

It started from I made a reservation at a Hotel on XX/XX/2023, and the check-out date was XX/XX/2023, but for no reason did the hotel owner get rude to me and harassed me by towing my truck on the night of XX/XX/XXXX while I still have the reservation for that day. A week later, Westlake Financial emailed me that they were trying to impound the truck. I did not know the purpose of doing that or how Westlake Financial knew about the incident, so I remained quiet. I filed a civil complaint with The General Attorney 's office of Virginia because I thought only the harassment from the hotel XXXX in XXXX, XXXX Last week I received a letter from Westlake Financial stating The truck is under repossession and will sale in XXXX and added {$1600.00} to the balance on m account. My truck is full of inventories that cost over {$25000.00}. Westlake never disclosed. I called Westlake Financial and got the answer I owed them {$300.00} was the reason for repossessing. The repossession is illegal ; I never owe them anything. I made payments on time on XX/XX/2023 the payment was made, but the truck got towed on XX/XX/2023, and on XX/XX/2023, I still made a payment. The account online shows the next due date is XX/XX/2023. What reason to repossess my truck? The way Westlake Financial did to my account, it seem like the transaction they knew since the beginning of the incident, none of investigation or questions to me, but put it directed to the plan they had set up. I think three companies, XXXX  XXXX Hotel in XXXX, VA, XXXX XXXX XXXX, and Westlake Finacial, had a conspiracy to commit this crime by trying to exercise the legal authority they thought they had in hand. It was a robbery with a plan.
Consumer complaint received 2023-03-31
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-01
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. (MD)

I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CREDIIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.
Consumer complaint received 2023-04-15
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: U.S. BANCORP (TX)

My identity was stolen last year when someone broken into my vehicle ( police report number and FTC identity theft report attached ), US Bank and XXXX XXXX XXXX applied inquiries to my credit report that is fraudulent and unauthorized I did not apply for a loan with US Bank or XXXX XXXX XXXX in any form or fashion. I contacted US Bank and XXXX XXXX XXXX and informed them of these fraudulent inquiries showing on my credit report and they have failed to remove the inquiries.
Consumer complaint received 2023-05-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC. (OK)

My car was totaled. The insurance company that will be paying towards the totaled car is waiting for a letter of guarantee. I called Chrystler Capital XXXX and was told the letter would be sent " by the end of the week '' XXXX. It was not sent. I called customer service the next week and was told the letter of guarantee would be sent in 7 to 10 business days. I called the next week and they said " a percentage was wrong and needed to be fixed. I talked to the insurance company and they said the percentage had already been fixed weeks before. I called the next week and asked to be transferred to a manager, and twice was put on hold for long periods of time. I called today and was told by the insurance department that they didn't have a value for the car and it had to be submitted to another department, and would take another 24 to 72 hours before they got that value. I have been given nothing but excuses by everyone I have talked to. They never have transferred me to someone that can take care of the problem.
Consumer complaint received 2017-07-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

I am currently in default on my navient loans. I have currently paid on the for over 5 years now, and have been going through tough times right now. I am not currently done with my degree and have been recently pursuing my degree a  XXXX   XXXX   XXXX   XXXX   XXXX  . With interest rates on my loans between 8-12 percent and monthly payment around 500 a month, it should be a crime to charge someone so much for trying to Perdue a degree with nothing.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

Beginning XX/XX/2022 someone named XXXX XXXX transferred money from our daughter 's account regularly via XXXX from her checking account ( my husband is coowner of the account ) We all have USAA Federal Savings Checking accounts. These charges most of ranged from {$80.00} to {$250.00} went on through XX/XX/XXXX, when we told our daughter to change her password after we noticed all these charges and she did not know this person or even knew about them. After she changed her password the charges stopped. At the same time, my husband called USAA to file a fraud claim. They said they would research it and get back to us. This week my husband called USAA again because we did not hear anything from USAA, no confirmation that a claim was filed nor any results. They told him that they did not find anything and he can file an appeal. Next thing we know, only because our cards were declined, USAA locked US out on ALL of our accounts. Without notification!!!! My husband called again today and got only the run around. They said a manager will get back to us within 3 days. Meanwhile all our money is held hostage. And as I looked into all of our bank documents there is still no document that we filed a complaint or that our accounts are locked. We are being treated like criminals and we have been banking with USAA for at least 20 years. We feel completely robbed by the bank and the fraudster!
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aldous & Associates, PLLC (TX)

I dont know how your agency can continue to close the complaints out and let these illegal collection agencies off the hook. They never sent me anything about this debt.. NEVER!!! REG F 1006.34 requires written notification about it that prior to placing something on somebodys credit file. Doesnt allow you to email the initial disclosure. And they never sent me the initial disclosure to begin with. Not only that in one of their replies to me, they broadcast in an ad they believed it to be mine and I told him that was not what I live anymore. Still, they continue to claim that you sent the information to the address Ive told him is not mine. My next phone call will be to an attorney.. if you dont believe, Ill sue, look me up on XXXX