davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-05
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: STATE FARM BANK, FSB (FL)

I have XXXX certificates of deposit with State Farm Bank that I opened over two years ago. and each CD has a term of five years. When I opened them I elected to have interest automatically transferred to my checking account at another bank, since State Farm Bank has no branches and I already have bills paid out of another established checking account.. This was critical to me because I 'm a retired senior citizen and I depend on the interest from those certificates to pay my bills on a timely basis. I just received notice that State Farm will no longer credit the CD interest to my checking account, and they unilaterally decided to capitalize the interest on the CDs. When I called to complain, they stated that the only other option was for them to send me a check in the mail, or for me to open a State Farm Bank checking account. This is extremely inconvenient for me, as I would have to depend on the mail to receive the checks, can not depend on the date, and then I have to physically deposit the checks. All of this delays payment and I feel like they are trying to coerce me into opening another account at State Farm Bank. .If I had known this, I would not have opened the CDs there. They are changing the game in the middle and it is not right. I do n't know how they have the authority to do this during the term, as I have a contract with them to keep my money there and they should have to comply with my directions.
Consumer complaint received 2023-10-23
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSWORLD SYSTEMS INC (OR)

I would like to file this complaint against TSI collection agency for Email Harassment for a cell phone bill for XXXX XXXX XXXX XXXX it's a Identity theft acct because XXXX opened cell phone acct for someone who stolen my personal Identification without verification and i have place a note and fraud alert at all three credit bureaus if someone try to open an acct in my name i need to receive a call from the creditor first to prevent fraudulent activity but i never any call from XXXX that cell phone acct was opened ilegally in my name my social security and my drivers license were stolen in XX/XX/XXXX and XXXX was granted a cell phone to the person who stolen my personal Identitfcation but i file a police report more 4 times before somebody broke into my car stolen my personal identitification On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX when i lost my wallet this is unfair debt Deceptive and Abusive practices. 
I want TSI to stop all the email Harssment and Threat and misleading the consumer.
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: EQUIFAX, 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. XXXX XXXX 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. 

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 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (MD)

My loan was transferred to LoanCare on XX/XX/XXXX. They told me I had to make a one-time payment for XX/XX/XXXX because auto monthly payments would not kick in until XX/XX/XXXX. In early XX/XX/XXXX, I made a one-time payment, which included {$5.00} late fee because I did not pay before XX/XX/XXXX, and I enrolled in auto monthly payments as well. The one-time late fee was supposed to be refunded because ( a ) it was impossible to make a payment before my loan was transferred and ( b ) they are not permitted to charge late fees in the first month. Contrary to what i was told, the auto monthly payments started in XX/XX/XXXX and I therefore made two payments in XX/XX/XXXX instead of one. I have asked countless times for a refund and they say the will, but never end following through.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX balance XXXX shows unpaid already paid in full XXXX XXXX is inaccurate balance XXXX, XXXX already paid in full XXXX XXXX, XXXX show balance last updated was in XX/XX/2023 this was paid in full- correct this information
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. (AL)

Experian is reporting on my consumer worthiness, but I have never made a contract with them that I know of. Furthermore, they were supposed to investigate anything that posts to the investigative consumer report, but still report everything. I never gave consent for my information to be sold either. I am the consumer and source of the credit, and Experian makes it very hard for me to make any consumer credit transactions. I got my report, and it had no score, almost 100 inquiries from one person, and many other things. Congress sates they are an elaborate mechanism that pretends to be someone who intervenes to report on the credit worthiness of consumers. Saying that, from my understanding they never talked to anybody I know personally. 15 USC 1681a ( e ) states there isn't to be any factual information from a creditor on there. As a consumer, I am the creditor and have never expressly communicated with Experian until after receiving my report. 

So after reviewing my report I sent an affidavit ( true statement of accounts ) with an invoice, and requested no email or electronic response. They received my mail on the XXXX of XXXX. I received emails saying the investigation is complete 3 days later. 
Personally it doesn't feel as if they investigated, as it was supposed to be investigated before it went on my report. Secondly, an affidavit not responded to stands as truth in my understanding.
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 — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc. (FL)

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 all states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a XXXX payment on a credit card account under an open end consumer credit plan as late for at purpose.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 an account without my written instructions
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2024-02-19
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. (NC)

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 an account without my written instructions. 

XXXX XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX/XXXX  ( XXXX )
Consumer complaint received 2016-11-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NJ)

I disputed the accuracy of a Ch XXXX Bankruptcy with Equifax in XXXX. On XXXX XXXX, I received the results of the investigation and the Bankruptcy was deleted. When I checked my credit report on Equifax monitoring service on XXXX XXXX, 2016, the Ch XXXX Bankruptcy was removed from my report. When I checked again on XXXX XXXX, 2016, the Ch XXXX Bankruptcy was reinserted without any 5 day notification from Equifax. This is a violation of the FCRA. I insist that the Ch XXXX Bankruptcy be deleted according to the provisions of the FCRA.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AL)

I filed a dispute claim with Chime in the amount of {$1300.00} which was an unauthorized payment in XX/XX/year>. I just received an email from Chime Support at XXXX on today, XX/XX/year> that my disputed claim was approved and my money was credited back into my account. The amount has not been credited back to my account. I have called and spoken with several of Chime agents and theyre telling me that theres nothing wrong and that theres nothing else to do on my account and keeps assuring me that the money was credited back to my account but my balance is still {$47.00}. I have bills that are now delinquent because of this issue on my account.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (DE)

I was approved for COVID forebearance in XX/XX/XXXX. Despite the COVID forbearance program being extended into XXXX, Navient is using the IBR recertification process to kick people like me out of the program and charge excessive fees. There is no where on the Navient site to request remittance to the program. 

Navient only allows borrowers to view messages sent from the company up to 2 years ago so all of the messages related to my COVID forbearance blocked to me. My income after expenses is XXXX per the most recent tax year. Navient acknowledged receipt of my IBR certification and choose to continue increasing the amounts for Interest and Late Fees despite the COVID relief forebearance. They have capitalized the interest several times over the past two years inflating my balance by XXXX  XXXX dollars. 

Row Labels Sum of Fees Sum of Interest ADJUSTMENT XXXX XXXX CAPITALIZED INTEREST XXXX XXXX LATE FEE XXXX XXXX PAYMENT XXXX XXXX Grand Total XXXX XXXX Their customer service agents pretend that COVID forbearance does not exist. They have increased the aggressiveness of their collections as well harassing family members. 

As a result of the continued delinquency report, my credit score has plummeted over 200 points forcing other creditors to reduce my available credit further adding more stress. Navient continued harassment has caused a measurable negative impact on my XXXX health which I have documented with my family doctor. My wife is XXXX  who is now unable to work after the COVID pandemic significantly reducing my income.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2022 I discharged the following accounts Capital One ( XXXX ), ( XXXX ) I requested that Capital One accept my form of payment and requested that the tender may not be rejected, stopped or refused without discharge of the obligation to the extent of the amount of the tender pursuant to ( XXXX XXXX XXXXXXXX ) ( from XXXX. XXXX, par. XXXX ) Tender of payment & VA XXXX XXXX, said tender and discharge being 100 % as full satisfaction. Capital One has a civil right to refuse the tender of payment ; If tender is refused, there being discharge, Capital One has no permission to contact the XXXX XXXX XXXX. Attempting to coerce payment of a discharged debt is extortion. Subsequent correspondence, bills, invoices and notices, incur mandatory fees. 

XXXX closed my account without any written notice or explanation and continuous send me communications via email to collect on the debt they have sold to a collection agency.
Consumer complaint received 2023-06-11
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

for the last 4 months i have submitted credit challenge letters to Experian and I havent received one response regarding receipt or outcome. all of the information that I challenged in these letters are still on the report as if I never sent in the letters. I have evidence from the post office on all occasions that the mail was received by experian as i sent them all certified mail
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-05-17
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. (FL)

On XX/XX/2022 I submitted a complaint regarding XXXX, Equifax, and XXXX, all in which I stated : In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - XXXX and XXXXXXXX XXXX XXXXXXXX XXXX XXXX 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. I also stated to delete those accounts off my credit report.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX   XXXX, GA XXXX XXXX XXXX XXXX   XXXX  XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE! It is possible a family member or work address but none of them belong to me never lived at these addresses.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (VA)

I have a checking account with Truist bank. I opted out of overdraft fees, but the say they can still charge them at their discretion. They charged overdraft on XXXX {$5.00} savings account transfers despite me having a pending deposit of {$150.00}. Not the first time they have stolen money or " forgot '' to deposit money on time in order to charge fees.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 I submitted a complaint regarding XXXX, XXXX, and Transunion, all in which I stated : In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - XXXX and XXXX XXXX  XXXX XXXX XXXX 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. I also stated to delete those accounts off my credit report.
Consumer complaint received 2019-11-26
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that this account is not mine and that my identity may have been stolen which I have included with this letter.
Consumer complaint received 2016-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SECURITY FINANCE CORP (TX)

I was reviewing a copy of my credit report and discovered it contained some errors. 
i am a victim of identity theft. i have no idea how the theft took place. i also have no knowledge of any suspects. i did not receive any money, goods, or services as a result of the identity theft. the information does not relate to any transaction that i have made
Consumer complaint received 2022-05-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Regional Management Corporation (NC)

I applied for a loan through regional finance the beginning of last month. Upon arriving to sign my loan I witnessed employees cursing, singing, horse playing, verbally communicating other clients private information such as their social security numbers and credit scores aloud in the office while I was sitting there. I also witnessed several other client applications with personal information unsecured all throughout the office, social security numbers were exposed along with all other personal information. After leaving I was told that the employees were badmouthing me, stalking me on social media, and looking up my home address on XXXX They also made XXXX comments about me. I was also told the same things happened to a lot of other customers and they expose their private information regularly. 
I was lied to about the process and the amount I was financing. I was also told additional insurance was not optional and I was forced to purchase it. I was told auto pay was set up and the manager said I dont care, not my problem. I was lied to about that. 
I called to escalate the concern and was treated with extreme disrespect. My concerns were deflected and not addressed, the lady I spoke to tried to invalidate my concerns, she wouldnt listen to me then got combative. She spoke over me the whole time in a very hostile manner, she did not offer me a resolution and told me my complaint was just hearsay and she refused to address it. She disrespected me and my position. Then at the end of the call she yelled the whole time, refusing to let me speak, then hung up on me.