davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-06
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. (CO)

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX account number *** XXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX XXXX account number XXXX has violated my rights. 
Us Department of Education account number XXXX has violated my rights. 
Us Department of Education account number XXXX has violated my rights. 
Department of Education account number XXXX has violated my rights. 
XXXX XXXX XXXX  account number XXXX has violated my rights. 
XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX account number XXXX has violated my rights. 
XXXXXXXX XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX XXXX  account number XXXX has violated my rights. 

15 USC 1681 Section 602A. States I have the right to privacy 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 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 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 the information is inaccurate. 
15 U.S. Code 1681s2 ( E ) ( i ) ( I ) ( II ) States I have the right to ask that a financial institution remove a default from my consumer report if the financial institution offers a rehabilitation program which requires me to make consecutive payments in a renewed and willingness ability to pay. Notwithstanding any other provision of this section, a consumer may request a financial institution to remove from a consumer report a reported default regarding a private education loan, and such information shall not be considered inaccurate, if the financial institution chooses to offer a loan rehabilitation program which includes, without limitation, a requirement of the consumer to make consecutive on-time monthly payments in a number that demonstrates, in the assessment of the financial institution offering the loan rehabilitation program, a renewed ability and willingness to repay the loan ; and the requirements of the loan rehabilitation program described in subclause ( I ) are successfully met.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AZ)

In response to the news about various complaints made against Navient, I wanted to also share my experience with the student loan servicing company. I have student loans from my XXXX eductation that my mom pays for. They were set up to automatically withdraw from her account and had been since I graduated nearly ten years ago. I do n't pay much attention to them because she pays them but they are in my name and attached to my credit report. I started a XXXX in 2015. Upon enrolling Navient automatically stopped the auto-withdraws from my mother 's account without asking permission to do so or even so much as informing either one of us. While you are allowed to stop payments when you are enrolled in school, you still accrue interest. I never intended to stop it nor did my mother. After a few months, she noticed it was no longer withdrawing and thought maybe it had been paid off. She asked me about it several months later. Luckily I was still enrolled in school so the lack of payments did n't impact my credit, but neither of us were aware that they had stopped payments and thus neither of us would have been aware that we would need to set that up again once I finished. I went online to try to set up payments again and could not do it. ( I have attached a screenshot of the screen to set up auto-payments where it says my accounts are not eligible ) Therefore, my loans, which my mom had no issue continuing to pay, are sitting there accruing interest because they wo n't accept auto-payments while I am in school. I believe this was a deceptive practice designed to create more income for them.
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc. (NY)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

I TRY TO DISPUTE INFORMATION WITH XXXX, EXPERIAN, XXXX THAT'S NOT TRUE I HAVE DONE EVERYTHING AND STILL NO ONE IS HELPING ME
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TOWNE MORTGAGE COMPANY (NJ)

Towne Mortgage Company does not accurate communicate all monies owed on my mortgage on their website. Apparently, there is a late fee on my account that I would not know about because it is not presented anywhere on the website. You'll see on the screenshot I provided they only publish the regular monthly payment due yet nowhere is there a late fee communicated. Yet when I call they say I owe a late fee. At the same time, you'll see an additional screenshot for making a one time payment, there is no entry available to dedicate funds to the late fee owed. This is perpetuates an infinite cycle of fines which is dishonest!
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX XXXX a internet company by the name of XXXX XXXX CA charged {$910.00} to my stolen credit card number is there any action that I can take against this company you can contact me at the following XXXX or at the following ( XXXX ) XXXX or ( XXXX ) XXXXThank you for your assistance in this matter.
Consumer complaint received 2020-09-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (TX)

Exeter Finance fraudulently increased my account balance with the credit bureaus without my knowledge three ( 3 ) times in 2 weeks causing a morbid drop in my credit score all while having good payment history and paying as agreed to my contract. When I disputed the charges, Exeter retaliated by increasing my account balance {$200.00} with credit bureaus causing a 105-point drop in my credit score ruining my purchase power. I was never made aware of the {$200.00}. Exeter does not keep accurate records and submits fraudulent information to credit agencies. Exeter Finance has violated their signed agreement as well as the Fair Credit Reporting act.
Consumer complaint received 2020-06-19
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: CITIBANK, N.A. (IN)

Citibank offered me another card with 0 % APR for 21 months on balance transfers and 12 months on purchases. I have an existing Citibank Card XXXX XXXX XXXX XXXX with a XXXX  balance and credit limit of {$13000.00}. The new card with the promotion only has a credit limit of {$1000.00}. I contacted Citibank to have them match the other card 's credit limit or move the promotion from card ending XXXX to card ending XXXX. They refused to do anything.
Consumer complaint received 2020-09-28
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: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX and I have had a credit card for 4 years. XXXX  and Experian do not provide me with my credit report or credit score. I called both XXXX  and Experian several times and they refuse to help me. I even mailed in dispute to each of the companies. 

My credit card company sends my credit history to these credit bureau every month, on the XXXX of the month. Yet I never receive my report or a score. 

When I ran a credit check, I got the following errors. 

1 ) XXXX  error : " Record not found '' 2 ) Experian error : " Invalid Spouse name '' and " The bureau data supplied doe not match borrower 's information '' XXXX  said that my first name is too short and so I need to hire a credit repair service. 

Experian said I do not have a credit file. 

If I have no credit history, my report should have said " Insufficient data '' instead. It's like my social security number is not registered with XXXX and Experian ; and they are not even trying to investigate the issues. 

Why are these bureaus being to reluctant to help a consumer?
Consumer complaint received 2020-09-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (OR)

Account at XXXX  ( Gemini Trust ) was funded {$500.00} by ACH transfer. Nothing can be done until account is verified which has not happened in TEN days. No way to contact company other than email which is non-responsive.
Consumer complaint received 2024-02-23
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. (GA)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2023-01-05
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. (PA)

My name is 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 2020-06-19
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. (MS)

TWO TIMES NOW I HAVE TRIED TO DISPUTE ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MY ACCOUNTS I NEED THESE ACCOUNTS REMOVED OFF MY REPORT I HAVE NOT LIVED IN THE XXXX AREA I HAVE FAMILY THERE BUT NOT ME I DO NOT KNOW HOW THESE ACCOUNT POPPED UP ON MY REPORT PLEASE LOOK IN TO THIS MATTER.
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A. (IL)

I received a direct deposit to my account on XX/XX/2020 for unemployment. I have a Pnc Smart Access Card and they have now put a hold on my account and I dont have access to my money. They will not give me a time frame.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

Us bank has made so much stress in me and affected my credit with pay in 4 they charged me numerous overdraft fees and have falsely changed dates of deposits so that they can charge overdraft fees. The manager knew he was in the wrong and refunded some overdraft fees but not all and it should not have happened in the first place. They were rude unhelpful and told me to close my acct. I am a single mom and this has affected my credit and upsets me because when I closed my acct he gave me refund check of XXXX that was left un my bank but he ows me over XXXX and I will have to take to small claims because I have several statements printed and the show different details. If you look at my ending balance of XXXX on XXXX XXXX then add my deposits of XXXX that would be XXXX and if you subtract my card withdraws of XXXX if you subtract it leaves a balance of XXXX and the XXXX. Was in overdraft fees and 1 XXXX XXXX  transfer of XXXX so my ending balance should be XXXX and that is mine and owed to me and since they have messed up my credit that I was trying to re-establish and have cause me to have late charges and lowered available credit and issues so I'm paying for US Bank mistakes and I won't give up on fighting for my rights and I was treated unfair and I'm very upset.
Consumer complaint received 2023-03-16
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: BARCLAYS BANK DELAWARE (PA)

Wrote letter to Frontier Barclay MasterCard regarding charge for Frontier Airlines for {$590.00} for their Go Wild pass which was charged on XXXX XXXX. Also disputed with frontier. Their response was can not cancel, however in their ( Frontier ) terms and conditions it clearly states pass can be canceled. Service product does not Begin till XX/XX/XXXX Frontier claims you can go on their website, login under your account and go to section- XXXX XXXX XXXX and cancel at any time but when you go online that option is not available. And as of XX/XX/XXXX they are still selling that pass
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Contacted Bank of America Visa and XXXX XXXX XXXX Fl in regards to {$4.00} and {$180.00} charge XX/XX/XXXX. on my card ending in XXXX. Both companies were told by me that it was not me and my card was used fraudulently. 
Both companies have dropped investigations. 
Neither looked at the video to confirm it was not me. Bank of America said a chip was used so its not responsible. The card was never given to anyone. I live alone and card locked up while at work. XXXX XXXX provided BA with a credit slip with another persons phone number and XXXX XXXX membership #. 
Im not a member of XXXX XXXX. Thanks faxed BA a police report with the XXXX # and it never processed report. BA just dropped case inspite of me pleading it wasnt me. Disappointing after being a loyal card member for 26 years. BA fraud dept. said I had to get credit from XXXX XXXX before I would be reimbursed. Paid Amt. so my credit wouldnt be ruined. XXXX XXXX will not issue me credit. XXXX XXXX says the investigation has to be done purely between Bank of America and XXXX XXXX. 
This occurred at XXXX XXXX XXXX XXXX XX/XX/2020 Time ; XXXX Terminal 4 Transaction number XXXX   Im devastated that as a law biding citizen US and loyal client of Bank of America that it has refused to resolve fraud case and for XXXX XXXX never looking at video. 
Please help me!!! 
Best, XXXX XXXX XXXX XXXX. Also contacted BA CEOs office and XXXX XXXX their consumer advocate never answered or returned repeated calls and supposedly he was going to try to investigate thoroughly. Id say Ive been on my phone 14 hours and neither company will help.
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Sir i booked for XXXX travel to XXXX where sfo to XXXX alaska XXXX will take there after from XXXX to XXXX. XXXX will take responsibility but XXXX chaged the travel date to XXXX so they provided full refund coz they provided cancellation option with full refund but XXXX XXXX saying they refunded but citi credit card guys saying we don't know what XXXX XXXX saying they refunded on XXXX but citicredit saying they don't know my money stucked between two biggest corporations sir please help which is XXXX $ Note : while booking XXXX deducti twice for one ticket where I opened dispute with citi they resolved & applied permanent credit but for second XXXX $ transaction XXXX refunded citi was not applying XXXX saying they refunded
Consumer complaint received 2021-07-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In addition to this complaint I have made the initial consultation on filing a civil suit for the incorrect reporting I have an inquiry on my credit report from about seven months ago from bank of america. I attempted to fix this with them and they stated that there investigation showed it came from areas indentified as me such as ip and email. 
I have since changed my email address but can not do so with IP I requested all documents from bank of america and they refused I requested a copy of credit application and they refused I REQUESTED IP address and they refused. 
I cant find out if someone I know tried to steal my identity because bank of america will not coporated. 
I did not make the credit application and the inquiry is not mine
Consumer complaint received 2023-03-04
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: Early Warning Services, LLC (TN)

On XX/XX/2023, I reached back out to XXXX XXXX XXXX because they are still reporting to both XXXX and Early Warning Services that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts at a national bank, but is also affecting me in trying to open accounts at local banks and has caused my existing bank ( XXXX XXXX ) to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an account is because of what's being reported to XXXX and Early Warning Services. This is literally the example of holding my banking privileges hostage and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MO)

Phh Mortgage did remove the ex husband name and sent me the proper mortgage mod papers to sign and notarize and send back. I did my part and sent back first week of XX/XX/XXXX..they were due by XXXX XXXX..was just on the phone trying to find out when it will be completed and transferred over to new lender!! No one can really tell me anything but just to speak to a Relationship manager specialist, which seems useless when they are never available, and have to call me back. So I play phone tag and the process repeats. I need to get my loan mod in the system and transferred over to new lender so new lender knows what is going on as they don't! All this went down when loan was being transferred, this is not my fault, this is the lenders. Can someone please get this mess figured out and get my correct loan info updated into system  now with XXXX XXXX, so my account can show current and new payments, interest rate etc is correctly updated in the system. I'm starting to feel like some serious fraud is going on here.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

This i my second attempt for these CRA 's to do as they are required to by federal lawand for the protections and privacy act of 1974. As a consumer, I am protected and I also have a right to opt out of reporting, i was never given proper disclosure and they never had my consent to furnish any of my information and that is a violation. Each reporting is a charge of XXXX and theres several and there's been XXXX XXXX. I also am promised that my consumer reports will be accurate at all times. I just need to notify you all. I have done that and nothing. I am not being treated faily and these persons act like thgey have the authority and the right to act on my behalf ... NOPE. I never consented to any inaccurate and negative and stressful reporting experience. 

If there is a collection, charge off, or written off and still on the reports by these agencies, they are violating the law and they are to pay me XXXX for each error. 
They are also a certificate of indebtedness and they are to have filed a 1099c, which they can not prove they did and they still report these damaginbg and harmful marks on the reports that i have a right to credit and what goes and not goes on my files. I have several late payments that are also inaccurate and are not correct. I have never been late or missed any payment. I need all these mqrks to be updated and to remain on the report for the history that i need for all the accounts that it applies. I did not consent to any of these agencies reporting inacccurate and furnishing false an unauthorized transactions. I need all accounts to show PAD in FULL/ PAID AS AGREED/ CURRENT Omit all the Bqlance due and balance owed and credit limit. i should have unlimited. Stop damaging me. I did not consent to anything that causes me pain and stress and damages me and my character. I am the consumer and written consent authorizing each and every single reporting on my files and consumer reports. 
i need these Consumer reporting agencies to update and correct these accounts without delay. I also demand that they send me proof of all the proof and concrete evidencec in the mail to me for evidence. They will not be able to because they violated me and damaged me. They must correct and update my reports and send me a copy with all the changes that they corrected because it is their fault and they need to pay for the abuse.