davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (PA)

Seedfi is the most ominous company Ive ever worked with and I wish I had read the reviews before committing to a loan with them. I signed up for something like a credit builder loan. Every single due date, which is twice a month, theyve charged me more than once. I had to repeatedly reach out to them to get the to push payments forward, refund multiple payments, and finally cancel my autopay. This last time, they took two payments out for my due date and told me theyd move the second payment forward so I wouldnt owe money at the beginning of XXXX. StillC they withdrew a payment from my account. It took them an unreal amount of time tor refund this second payment to me and I had them cancel my auto payment because I couldnt trust them to accurately manage my account without my supervision. Finally, I received an email at more than half of my last payment was going towards fees with no description of what those fees were, and the remainder was going towards interest. I emailed them on XX/XX/XXXX asking what fees I was paying and no one has ever gotten back to me despite me following up more than 3 times. At this point, I feel like they are practicing unfair and deceptive business practices and Id like nothing more than to pay exactly what Ive borrowed back immediately and nothing less. They are still holding XXXX  of dollars of money they essentially owe to me as part of this credit building loan and I have little faith Ill ever actually see that money.
Consumer complaint received 2022-11-11
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. (ME)

During a security clearance check a fraud account was discovered reported by XXXX against me. The account was created fraudulently and is not my account. I have called over and over from the XXXX XXXX where I work, but I always get a fast busy when I call. 

I have tried to call over 2 dozen times. 

I am in jeopardy of losing my XXXX  clearance and XXXX  over their false reporting.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (ME)

I received a call on XX/XX/29 about a debt. I tried to make a payment arrangement but was told it would still be reported to the credit bureau. The company told me they sent a debt validation letter to the address they had on file. I explained that I do not receive mail at that address because mail is not delivered on my street. I asked them to send a debt validation letter to my XXXX XXXX and they said they already send the letter and I explained again that I don't receive mail at my physical address and then they hung up on me. This company is receivable performance management and I spoke with XXXX XXXX.
Consumer complaint received 2022-11-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (MN)

The company ( XXXX ) that referred the debt to collection performed the service after I had cancelled, and I do not owe this debt. I had to contact XXXX multiple times when they continued to bill me and it took several calls before they closed my account. They continued to bill me after the account was closed. On the final call I was told by XXXX that I would not be responsible for the debt. I disputed the debt verbally with the collection agency. I did not receive any documentation within the 30 day timeframe yet they are continuing to attempt to collect the debt.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MD)

I attempted to make a payment with Synchrony Bank. They failed to process the payment and rolled the account to XXXX. Now I have XXXX delinquencies listed on that account and neither Synchrony nor XXXX will take responsibility. I asked both to close the account and they failed to do so. This month AGAIN I was charged a fee despite mye previous efforts to close the account. PLEASE HELP. I can not have this effecting my XXXX XXXX. It is illegal.
Consumer complaint received 2022-11-11
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: Experian Information Solutions Inc. (NJ)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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 2023-02-23
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. (TX)

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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : U.S DEPARTMENT OF EDUCATION Account Number : XXXX Account Name : U.S DEPARTMENT OF EDUCATION Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-11-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Fidelity Services, LLC (FL)

I DO NOT OWE MIDWEST FIDELITY A XXXX. This is some crooked attorney that thinks he can add WHATEVER HE WANTS AND TURN IT OVER TO A DEBT COLLECTOR. I will NEVER PAY THIS AND THIS HAD NEVER BEEN OWNED BY MIDWEST FIDELITY. This needs to be TAKEN OFF MY CREDIT REPORT BEFORE I GET AN ATTORNEY AND HAVE THIS GO INTO A COURT ROOM. 
XXXX XXXX This is fraudulent and unacceptable. This was supposed to be done a year ago.
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (FL)

In accordance 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 166B : A creditor 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 2024-02-21
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. (NV)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 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 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
Consumer complaint received 2023-06-28
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: CLGF Holdco 1, LLC (MI)

XXXX Account XXXX # XXXX XXXX XXXX XXXX I am contacting you regarding in-accuracies on my credit report. Under HEROES ACT SECTION 110401 WHICH STATES SUSPENSION OF NEGATIVE CONSUMER CREDIT REPORTING during the COVID- 19 PANDEMIC PLUS AN ADDITIONAL 120 DAYS, ( XXXX/MILSNE ) IS NOT IN ACCORDANCE. 

( XXXX/MILSTNE # XXXX XXXX XXXX XXXX ) LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE DUE TO THESE VIOLATIONS OF MY CONSUMER RIGHTS, I AM DEMANDING, THE REMOVAL THESE LATE PAYMENT REMARKS, UPDATE AS PAID, NEVER LATE.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

IN XXXX XXXX I NOTIFED CAPITAL ONE THAT I HAD COVID IN WAS HOSPITALIZE I WAS TOLD BY TWO REPRESENTATIVES THAT THEY COULD WORK WITH ME. THEN SHORTLY AFTER I LOSS MY JOB. I NOTIFED CAPITAL ONE OF MY FINANCIAL HARDSHIP ALONG WITH THE FRAUDULENT CHARGES ON MY ACCOUNT BUT NOTHING WAS DONE. IVE CONTACTED CAPITAL ONE A TOTAL OF XXXX TIMES WITH NO RESOLUTION JUST SPEAKING TO RUDE CONTACT REPS THAT DIDNT WANT TO HELP. IM REQUESTING THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT UNDER THE CARES ACT WITH A ZERO BALANCE. IVE LOST SO MUCH DURING COVID IN IM JUST NOW GETTING IN A BETTER PLACE. IN GETTING A HOME FOR MY FAMILY THIS ACCOUNT HOLDING ME BACK. IVE TRIED SO MANY TIMES IM BEGGING FOR HELP AT THIS POINT. THIS HAS CAUSED ME TO SUFFER HUMILIATION AND EMBARRASMENT ALONG WITH EMOTIONAL DISTRESS. CAPITAL ONE IS VOLIATED 15 U.S.C. 1692 ( C ) OF THE FAIR DEBT COLLECTION PRACTICES ACT BY HARASSING ME REGARDING THIS. IVE SENT IN A TOTAL OF XXXX LETTERS TO CAPITAL ONE NO RESPONSE. 
The below listed account was charged off in ( XX/XX/XXXX THAT WAS WHEN THE FIRST CO APPEARED ). This account has since been updating as CO every single month and as you know this is a VIOLATION because charge off accounts should be dormant and have no updates in payment history following the charge off marking. Doing so also illegally updates the statue of limitations. 

*Proof is Enclosed Dates Account Reported CO : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX That I attest that the foregoing statements and the submitted supporting documents are true and correct to the best of my knowledge in this affidavit. 
PLEASE HELP ME. 

I DEMAND THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT FOR THESE XXXX REASONS AND MULTIPLE VIOLATIONS, CAPITAL ONE IS AWARE OF THIS ISSUE IN HASNT ONE TIME TRY TO CORRECTED IT. 
Name of Account : Capital One Account Number : XXXX
Consumer complaint received 2022-11-11
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. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated and corrected these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NY)

Hello. I applied for the 5 year XXXX  loan forgiveness with aidvantage.com and I was denied. They want me to fill out a new form however this is not possible because I have worked at 2 different XXXX  and I do not have access to the previous principal. I provided them with evidence of 5 years of XXXX  at 2 XXXX XXXX XXXX with the signature of each administration. I also signed the section 4 form and dated it. 

My data is supported through my 2 images titled : my data # 1 and my data # 2 which both have the signatures of my admin and one of them has my signature and date.
Consumer complaint received 2022-09-28
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX XXXXXXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 a Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-24
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. (MA)

I asked to fix the error - my old address ' house number is listed as XXXX '', and Equifax REFUSES TO FIX it to correct XXXX - XXXX ''
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-28
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: DISCOVER BANK (MD)

In accordance with the Fair Credit Reporting Act, these creditors XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, The XXXX XXXX, and Discover Card have violated my rights. Under 15 USC 1681 section 602, it states that I have the right to privacy. Furthermore, 15 USC 1681 section 604a, section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Lastly, 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.

Please update my credit file in accordance with sections prescribed above. Thank you
Consumer complaint received 2023-06-28
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: OneMain Finance Corporation (MD)

In accordance with the Fair Credit Reporting Act, these creditors XXXX XXXX XXXX XXXX, One Main Financial Corporation, The XXXX XXXX, and XXXX Card have violated my rights. Under 15 USC 1681 section 602, it states that I have the right to privacy. Furthermore, 15 USC 1681 section 604a, section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Lastly, 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.

Please update my credit file in accordance with sections prescribed above. Thank you
Consumer complaint received 2022-05-18
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 (VA)

In accordance with the fair credit Reporting act XXXX XXXX  Account # XXXX and 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 2022-11-11
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: U.S. BANCORP (NY)

XX/XX/22 An online inquiry was made to prequalify for a mortgage. This was clearly outlined as a soft pull. USBank made a hard pull that was not authorized. I did have a conversation with a XXXX XXXX to discuss products and I informed him this I was just checking on the possibilities. When he said I would need X amount of money down, I informed him that I did not have it in cash but maybe able to use some resources when Im ready. No documents were exchanged and no further steps were made. We closed the conversation with he would crunch some numbers based on the financial information I provided him. After we hung up, I received alerts from my monitoring bureau an inquiry was made. I immediately sent an email to XXXX disputing approval. I sent him a screenshot of the terms this was a soft pull. He, in turn, sent me a screenshot of boxes someone else checked. After detailed proof that I on the boxes was him and in the boxes it says the borrower ( see document ) gives consent. I never gave consent online or in our conversation. I tried to explain they should write a letter to the credit bureau to remove the hard inquiry. He said he didnt believe they could do this. Our back & forth conversation is documented through emails & pictures. I am asking to have this hard inquiry removed from my report because it was not authorized.
Consumer complaint received 2022-05-18
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 XXXX XXXX, has violated my rights. 
Amount : {$100.00} Date : XX/XX/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 In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, has violated my rights. 
Amount : {$490.00} Date : XX/XX/XXXX XXXX XXXX XXXX section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-11
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. (FL)

On XX/XX/XXXX my family and I checked in at XXXX XXXX XXXX in XXXX, XXXX ( last room available ). Found a/c not working! After the front desk tried to reset it 4 times they finally said that it must not be working. It was in the XXXX 's at this time and we were on the first floor with XXXX little window that would only crack open a little bit. It was a ruff night! I disputed 50 % of the total bill ( {$250.00} ) not was denied by Citi Bank ( XXXX XXXX ) card ending in XXXX and received no compensation from neither one. It's not fair that the XXXX gets paid in full for a room that not in 100 % working order!
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2022 I made a payment of XXXX. I have the statement showing I made the payment from TD bank on my XXXX account but are refusing to apply it. I have called and emailed many times bank says they can not track payments.