davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
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. (NY)

I have a loan with XXXX XXXX and XXXX XXXX XXXX . I have always made y payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. Please fix these accounts immediately. Id like this matter handled ASAP. Please update to OPEN/NEVER LATE. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

XXXX violated the FCRA laws whee states you must give a customer most recent updated credit score : see attachments for violations maybe hire people in AMERICA that actual know how to read credit and use it not some 3rd world country : thanks below youll see the date and the credit report they provided me ONLINE as evidence
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX and other credit report companies has reported wrong loan amount totaling more than {$40000.00} on my credit which is wrong. I have already paid the balance in total as per my previous submitted complaint XXXX & XXXX
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

XXXX XXXX is currently in violation by reporting late payments on my consumer report The national emergency for the covid 19 pandemic was recently declared ending as of XXXX XXXX XXXX. The Cares act declares that late payments can not be reported. If you look at XXXX XXXX website there is still an active page that says reach out for help due to coronavirus relief. I did so and was under the impression that late payments were not to be reported and I had forbearance options. I was misled by them, and the credit bureaus should not be reporting late payments on my account. Furthermore the hero 's act suspends negative reporting of information to consumer reports during the caronavirus pandemic for which Joe Biden just ended. That means that the late payments being reported to my consumer report should not be reported which at present are being reported for XXXX, XXXX, and XXXX of XXXX. When the banks have issues they are bailed out. The people that keep the banks in business are promised something by law and they don't oblige. That is wrong. I demand that these late payments be removed at once. 

Furthermore under 15usc1681a ( 2 ) ( A ) ( i ) which is under the exclusion section. It says a consumer report isn't supposed to contain information solely as to transactions or experiences between the consumer and the person ( person can also mean corporation ) making the report. Payment history and utilization are examples of " experiences '' therefore they shouldn't be a part of a consumer report.

Lastly 15usc6802 also known as the gramm leech bliley act, is a federal law and it supercedes all state laws and it most definitely supercedes company policy. XXXX XXXX never gave me the option to opt out of them reporting anything to my credit report which in turn is fraud. It's federal law to require a background check to purchase firearms, imagine somebody opening their own pawn shop or gun shop and they say well " my company policy is that we don't do background checks '', what do you think would happen to the owner of that business? This is the same for XXXX XXXX. The law supercedes them and I never gave them authorization to report anything to my consumer report.
Consumer complaint received 2020-01-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PRESTIGE FINANCIAL SERVICES INC (OH)

In XX/XX/XXXXprestige auto fiance agreed to out us in what's called a fresh start program. This program offers our credit to reflect as current after five months of payments. They gave us the stipulation that we would pay on the XX/XX/XXXXof each month. We asked for a two day extension this month and they denied us ... .. The XX/XX/XXXXfalls on a non business day and Monday is a Holliday. They are threatening to send us to loss mitigation if we don't pay by the XX/XX/XXXX. They also asked for address of the car ... XXXX As if they were threatening to take the car on Monday. 

We've made our payments on time for the last three months. But, they said that we haven't been making our payments. My car is the only means I have to get to work. But, they threaten us every month.

We only have two months left on the program and then we are done.
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (CA)

After I had received the XXXX XXXX Credit Card, according to their instructions, I called their number XXXX to confirm receipt of the card and hear how to receive a {$20.00} Gift Card. Their representative told me the {$20.00} credit would be applied to my account after my first purchase with this card. 
I made the first purchase of {$17.00} with this card on XX/XX/2018, but the statement came with no credit. 
So I called the credit card company to ask about the statement credit missing, but they took evasive actions refering me repeatedly to the store that has no idea about this credit card statement credit promised.
Consumer complaint received 2020-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I have sent Navient numerous requests on how to handle my payments. Payments and overpayments are NOT being applied in the method I have directed Navient. I have tried to reach customer advocate without success on multiple occasions. 

Navient has lost my account history and has refused to provide my account history in a useful form ( xls, csv, or some other summarizable method ). They will only provide lengthy images ( unable to tabulate ) of my account history. This requires that I must enter tens of thousands of characters every month if I want to " check their math '' every month.

When I file complaints with the CFPB Navient marks the complaints as solved and no action is ever taken. In some instances directive is followed regarding overpayment, but such directive is often late. Plus I am infrequently notified of such actions. 

Communication with Navient is XXXX XXXX. I've left VM with my advocate, with the advocacy center in general, and I've emailed both too. I'm LUCKY to get any response at all. 

Other account holders are able to access their account history in a spreadsheet form.
Consumer complaint received 2023-02-12
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

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 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I purchase a car XX/XX/2021 from XXXX XXXX XXXX in XXXX ohio through Credit Acceptance. XX/XX/2021 i was at work and my co worker came and grabbed me and said my car was on fire which it started through the radio, i began contacting XXXX XXXXXXXX XXXX  i talked to a manager who was extremely rude and hung up on me and said that wasnt his problem i dont owe finance company and not him. I then contacted XXXX XXXX They Told Me There was nothing they could do about it but put me on a payment plan. I then contacted the warranty company and tried to see if they could help, the warranty company told me i didnt have the car long enough or use up a certain mileage for it to be covered but i was charged an extra {$2000.00} for a warranty not to even work when needed. I Continued to pay the car note until i couldnt any more i still have bills and had to now pay for transportation all over again. I understand i did not have insurance at the time but i was young and so ready to jump into something i really didnt know about and i feel as if they seen me and took advantage of that but now that i am properly aware of my rights i will not continue to let this happen. I then went and purchase a new car and learned that i was double financed when purchasing the car and unaware so when trying to actually purchase a car the correct way was very complicated due to my credit dropping consistently. I then contacted XXXX and got an inspection on the car and they said the only thing they could find was a usb cord so i was at fault and needed to contact my insurance company. I Did have my charger in the car but it was not plugged up and i have images to prove that and even if it was plugged in the car does not give power with out the car being started so i couldnt possibly be at fault. 
I was over charged for a used car Warranty didnt cover No insurance coverage Caught on fire Double finessed Paid down payment not included in finessed agreement Did not receive cash in hand or form of check
Consumer complaint received 2023-02-03
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. (NJ)

Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Consumer complaint received 2020-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Deposited check # XXXX for {$1900.00} on XX/XX/XXXX via mobile deposit to my Huntington Bank checking account. Check was written on XXXX XXXX Bank account of a third party. As of today XX/XX/XXXX Huntington reports that they have not received funding on the check from XXXX XXXX and are still " looking into it. '' The third party originator/writer if the check claims the check was cleared through their XXXX XXXX account in early XXXX, although I do not know the exact date.
Consumer complaint received 2022-02-24
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. (AL)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC (NC)

I got laid off in XX/XX/XXXX and one of the first things I did was contact Rocket Mortgage to put my loan in forbearance as everybody recommended. I was never told that the credit I have spent my life maintaing in peefect shape would forever be ruined. I keep an eye on my report weekly if not daily and as the months went by there were no impacts on my credit report. Then when I get a new job in XXXX and became financially stable I contacted Rocket Mortgage to begin payments. Instead of letting me begin payments they kept putting it off until finally in XX/XX/XXXX they set me up to begin making payments. Immediately afterwards my credit started showing me being extremely delinquent and irradicating 15 years of hard work. 

If I were either told my credit would be ruined or saw any impact to my credit, I would have either not gone into forbearance or ummediately cancelled it no matter what I would have had to do to make the payments happen.
Consumer complaint received 2023-11-30
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. 




UNAUTHORIZED INQUIRIES : Experian XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 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 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2022 I entered bank of America and opened an checking account. As well as savings account. 
Account is defined as : An extension of a credit by the Code of Federal Regulations and The Consumer Financial Protection agency guidelines, at this time I was not awarded any credit. I was also misguided and never alerted to the FDIC insurance of my accounts {$250000.00} protection in place due to the deposit I made when I opened the account. 
This is a criminal penalty and I am making the complaint to see that this location on XXXX XXXX XXXX in XXXX NY has their financial officer held liable for their role in this denied extension of credit and not making it known that I was insured at the time of the account commencing. 

I want to be contacted by the Bank of America and afforded the opportunity to have a line of credit extended as per the Code of Federal Regulations states that is the law, I want to hold the financial officer liable if he/she refuses to contact me and make this criminal penalty right. 
I want to be told that I am insured by the FDIC by employees of any financial institution,
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I reahed out to Expirian several times and no answer from them about Incorect personal information on my credit report I demand for it to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Should be deleted I never lived there. 
My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NJ)

On XX/XX/2020 I was supposed to close my refinance with AmeriSave Mortgage Corporation NMLS ID # XXXX the day before they changed the final DC and increased it. They are having a bait and switch method to apply with them, lock the rate, sign everything and then increase the amount at the very end.
Consumer complaint received 2020-01-16
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: CITIBANK, N.A. (CA)

I ordered flowers on XX/XX/2019 from XXXX XXXX XXXX for my son and daughter-in-law 's wedding on XX/XX/2019 for {$750.00} to XXXX XXXX, New York. They were delivered as expected on XX/XX/19, but half were missing. Complained to Merchant who sent the other half that arrived on XX/XX/19. Some of the other half were the wrong color, 1/3 were dying. We bought more flowers in XXXX XXXX to get the right colors and made do. 
Received a phone call from my daughter-in-law on XX/XX/19 saying XXXX XXXX XXXX  called her asking if another order was made because flowers were being sent to Texas on or about XX/XX/19, long after the wedding. She told them no such order was made and then called me to inform me. I immediately cancelled my card and went through my statements. I found charges for yet another order totaling {$750.00} for flowers sent 1700+ miles in the wrong direction in Texas that were not ordered. Merchant had been given the correct address for the correct day, which is why we received the half order. We made numerous complaints to XXXX XXXX XXXX, started 2 Cases with Citibank and an appeal, provided papers showing the actual order date and address and yet my funds have not been returned. 
It has become quite obvious that Citibank has not done due diligence.
Consumer complaint received 2020-01-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (NV)

I was contacted by XXXX at XXXX and XXXX XXXX  on A person named XXXX XXXX left what I perceived to be an inaccurate and threatening voice mail about a collection. He said he was from the law offices of XXXX or XXXX. 

I do not have any active collections or court actions to the best of my knowledge and checked my credit report this morning. There were no records of collection or derogatory remarks on my file when I checked via the XXXX XXXX app. 

I believe this is an attempt to reactivate or collect a very old debt and that it is possible that the gentleman who called is engaging in illegal activity to do so. 

I called the number back at XXXX XXXX. The number hung up on me after our exchange. At XXXX XXXX  PST he called me back and said, Your drivers license is suspended until this action is resolved. Good luck taking public transportation to work. 

He also called my mother and made similar threats. He called her on her personal number. 

I texted the number and told him he could not call me anymore and that he had to furnish proof of my debt. 


XXXX XXXX XXXX.
Consumer complaint received 2023-05-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NY)

XX/XX/XXXX, I pulled a copy of my credit report and noticed Resurgent/LVNV Funding reporting derogatory information about me. I have never done business with this company before and have no idea who they were, so after a couple months of research on the internet I learnt that this company is a third party debt collector and I realize It might have been placed on my report in error by the credit reporting agency, so I sent a dispute to the credit reporting agencies in XX/XX/XXXX and they responded letting me know that Resurgent/LVNV Funding said that the account belongs to me and it was reporting accurately.

At this point I was really confuse, frustrated and angry. I spoke to an acquaintance of mine who told me that there is a law call the fair debt collections practices act and that every third party debt collector like Resurgent/LVNV Funding needs to verify the debt once I request verification. 

So on XX/XX/XXXX I sent a letter directly to Resurgent/LVNV Funding requesting verification of the debt. 

They responded on XXXX XXXX with a templated response stating that they are collecting on behalf of XXXX  XXXX. I do not even every remember having an account with XXXX  XXXX. As of the time of me filing this complaint. Resurgent/LVNV Funding is still on the 3 major credit reporting agencies. At this point all Resurgent/LVNV Funding did was further add to my confusion, frustration and anger. They are causing me a lot of stress and XXXX.