davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BTH Management (UT)

Plaza Service # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice that this was in collections and I only found out about it once I had my credit pulled and saw the account on there. As soon as I found out I went and paid the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (NY)

After looking at my consumer report I noticed a collection I did not recognize and wanted to address. On XX/XX/2021 I sent a letter to the collection agency in question. I simply sent a letter asking for a validation of debt so that I can understand this consumer transaction. After sending my letter to Cavalry Portfolio Services , LLC they sent me a summons with multiple letters saying I was being sued. This letter terrified me because it stated that the paycheck I use to feed, clothe, and house my family with will be taken away from me to pay a debt alleged to be mine. After reading over the fair debt collection practices Act I noticed that this could be a violation pursuant to 15 USC 1692d ( 1 ) but I'm not sure. I also saw some other possible violations that I wasn't sure applied to me, I wrote them on the exhibits attached. The only thing I ever wanted from initially reaching out about this debt was to gain clarification and fulfill my obligiation whatever that may be. And this company immediately started attacking with this lawsuit alongside XXXX XXXX XXXX XXXX XXXX who is acting as this debt collectors attorney. This letter was recieved by me on XX/XX/2021 and the court date is scheduled for XX/XX/2021. I was not given enough time to respond to the letter appropriately or even get an attorney together to help represent me. I feel like I am being set up for failure. I think this is also a violation of 15 USC 1692g ( d ) and 15 USC 1692e ( 7 ) but again I am not sure and wrote the rest on the exhibits attached.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I recently lost my wallet and had my identity stolen and i contacted the proper authorities. In addition to having my identity stolen i also had my personal information exposed in several datat breaches including the XXXX data breach, the equifax data breach and the XXXX  data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.
Consumer complaint received 2022-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After careful review of my credit report I noticed that there were inquiries from the following companies in which I did not authorize to obtain my credit report. Please see the following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I am a recipient of the XXXX XXXX XXXX program, which means that the XXXX provides lump sum quarterly payments to Navient on my behalf. As a result, the due date of my next payment is extended, rather than being due the following month. However, in XX/XX/XXXX, Navient reported that my loan payment was overdue. On XX/XX/XXXX, I contacted them to explain that I am an XXXX Loan Repayment recipient, and they have the wrong payment due date. Navient investigated the issue and informed me that they had " incorrectly applied a transaction code to my account, '' which led to the incorrect payment due date. 

Navient assured me they would rectify the issue by XX/XX/XXXX. However, this month ( XX/XX/XXXX ), Navient reported me to the credit bureaus as being three months late on my student loan payment. On XX/XX/XXXX. I contacted Navient by phone to ask if they had corrected the transaction code on my account. A customer service agent said Navient would investigate the issue and respond to me by XX/XX/XXXX. I expressed my mistrust and asked to speak to a manager for verification, but the manager refused to talk to me.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The XXXX mainConsumer Reporting Agencies ; XXXX, XXXX, and TransUnion are reporting Inaccurate information on the consumer file they each hold in my name. My name, date of birth and address need to be corrected and my consumer files immediately updated to reflect my true identity.
Consumer complaint received 2021-06-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I hand wrote a will i have a safe deposit box there at bank of america to put the will in tried having it notorized my bank told me they dont notorize wills. I have had these accounts fkr years there. If i got proper id and member of bank i had a appoitment at XXXX XXXX  Why was i discriminated? I had proper id and my bank card yet i was refused service and im XXXX. Why? The same letter is in deposif box at my branch in XXXX XXXX mi XXXX. The manager refused me to be notorized. If i got proper id why would be refused to prove i signed anything? Why is my WILL there buisness??????
Consumer complaint received 2020-04-14
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. (CA)

Ive disputed with XXXX XXXX, XXXX  and Experian. I even have the letter of resolve from XXXX XXXX saying that the loan Does not belong to me but all there entities have not removed the account. The account XXXX in the amount of {$4700.00}. This has impacted my life so much and its hard to get my life back on track. I just want them to remove it from my credit Now! I last contacted them XX/XX/20 and they claim its reported correctly. I want this removed its wrongly reported and I've done what was expected of me to have it remove. They need to take care of this.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX  XXXX # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account had gone past due and no longer had auto payments nor did I get a notice that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Consumer complaint received 2021-06-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Hello my name is XXXX XXXX and Im submitting this complaint on behalf of myself and nobody else. On XX/XX/2021 I mailed a dispute letter to Equifax about multiple inaccuracies being reported on my credit report and Ive yet to hear back from them in regards to my dispute.
Consumer complaint received 2020-03-18
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. (NC)

My complaint is in regards to my Citi Double Cash card, the charge in question was for XXXX, paid to XXXX XXXX XXXX, on XX/XX/2019. I purchased a pony for my daughter to take riding lessons on, and for XXXX from this merchant. THey promised me a healthy, child safe pony, fit to be a lessons horse, they demanded payment in full before delivering the pony, and I trusted them, so I paid them. They brought a dying, sick, underweight pony that had XXXX!! They refused to refund me the money they had taken from me, and, they refuse to come back and pick up the sick pony. I disputed the charge with Citi baki, I provided all the text messages from the merchant and my XXXX in vets bills showing that they lied and scammed me using deceptive business practices and misrepresenting the pony that they sold me. Citi bank took the merchants word over mine, even though I had proof, and decided to let the merchant keep the XXXX!! This is fraud and theft, and, Citibank did not properly handle this dispute and failed to protect me as their consumer client. I have already spent XXXX vet bills just to make this poor horse comfortable while she dies. I did not receive the child safe, healthy, rideable pony I paid for.
Consumer complaint received 2021-06-17
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)

This complaint is for the timeshare company XXXX XXXX XXXX. We spoke with XXXX XXXX who claimed he's a realtor & manager XXXX XXXX, both claimed to not work on commission. They said we were making a good financial investment especially for our kids. They told us that the purchase will have some tax benefits, similar to owning a second home. We were promised gifts of 3-day vacation, {$100.00} slot machine, $ XXXX-dining. We were also pressured to do an upgrade by telling us that it's the last chance to upgrade at the lowest price. They had us open a credit card, and they are the ones who signed the application for me. They never gave us enough time to read the contract and we were never made aware of the fees. They promised us that after we pay the loan, we won't be paying maintenance fees anymore. They also made us believe that we would make money from the timeshare. They never discussed how cancellation process works, they didn't even informed us as to how many days we have to be able to cancel. I called the following week and spoke to someone named XXXX from XXXX to cancel but obviously it was never cancelled. We experienced financial difficulties due to this timeshare, we couldn't buy groceries at some point & we even have to take a loan to pay for the credit card. At our age, we already have some medical conditions & having this timeshare is causing us being unable to sleep because of the stress we get. Everytime things got worse in dealing with them, they kept promising things would be positively different but it never gotten any better. I had the worst experience with this timeshare, all the lies XXXX and everyone else told us during the buying process, we felt we have been taken advantage of for commission, we can't believe the lies were legal or that they were even allowed to lie to people in order to get them. We were simply defrauded, this is a scam.
Consumer complaint received 2024-01-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I canceled autopay before the payment was to process ( auto loan through USAA ) and submitted a payment using a different bank. USAA took the payment from the old account ( I am trying to close out ) and the payment I made from the new bank. 

I called and USAA stated the reversal could take XXXX weeks or more. I asked for an escalation as this caused a negative balance ( I have overdraft protection on the old bank ) they asked me to submit a bank statement showing the loan payment was made. I did submit the bank statement along with a screenshot of the negative balance. 

I moved money to my old bank so that other my account wouldn't be overdrawn while USAA was reversing the payment. USAA then reversed the payment, then USAA charged that same old account again, as of XX/XX/2024 causing the account again be overdraft as I used that back for other matters to reduce the balance because I am no longer using and adding funds to that old account which is why I canceled the autopay in the first place. 

I asked several times to speak to management about this but a rep named XXXX refused to transfer me and keep saying let me try, but she then just proceeded to say give it another week. The payment from my new bank cleared last week and yet USAA refuses to reverse the additional payment
Consumer complaint received 2021-06-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ATG Credit, LLC (IL)

[ ATG CREDIT LLC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GUIDE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-03-18
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. (AR)

This is the first time my identity has been compromised. Please remove these fraudulent unknown accounts from my report. 

XXXX XXXX {$2500.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX {$900.00} XXXX  XXXX  XXXX {$500.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$1300.00} XXXX  XXXX  XXXX {$890.00} XXXX XXXX XXXX XXXX {$250.00} XXXX  XXXX  XXXX {$1700.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX {$62000.00} XXXX/XXXX   XXXX {$400.00} XXXX/XXXX  XXXX {$490.00} XXXX XXXX {$340.00} XXXX  XXXX {$410.00} XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX  XXXX  XXXX XXXX {$23000.00} XXXX  XXXX {$500.00} XXXX XXXX {$900.00} XXXX/XXXX XXXX {$3900.00} XXXX/XXXX   XXXX {$500.00} XXXX-XXXX XXXX XXXX {$360.00} XXXX/XXXX  XXXX {$1700.00} XXXX
Consumer complaint received 2020-03-18
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. (AR)

This is the first time my identity has been compromised. Please remove these fraudulent unknown accounts from my report. 

XXXX XXXX {$2500.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX {$900.00} XXXX XXXX XXXX {$500.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX  XXXX {$890.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX {$62000.00} XXXX/XXXX   XXXX {$400.00} XXXX/XXXX XXXX {$490.00} XXXX XXXX {$340.00} XXXX  XXXX {$410.00} XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX  XXXX  XXXX XXXX {$23000.00} XXXX XXXX {$500.00} XXXX XXXX {$900.00} XXXX/XXXX XXXX {$3900.00} XXXX/XXXX   XXXX {$500.00} XXXX-XXXX  XXXX XXXX {$360.00} XXXX/XXXX  XXXX {$1700.00} XXXX
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account had gone past due and no longer had auto payments nor did I get a notice that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Consumer complaint received 2019-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any  information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX Inquiry Dates : XX/XX/2018 - XX/XX/2018 2018
Consumer complaint received 2020-03-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Capital One sends me advertising to re-finance my auto loan to save money. I've gone through their prequalifying process a few times, they always offer me a higher interest rate ( which they are well aware of because they have me click on my current loan that has the rate and payoff balance ) however they continue to insist I will save money by refinancing. When I call them they say " well we save you money by offering a lower monthly paymemt '' but of course they do not explain that you are paying longer on the loan at a higher interest rate, and thus you are paying more over the life of the loan. Their process is intentinally deceptive, and outright lies to consumers in violation of fair lending. They refuse to be honest about the loan costing more, and many times when I call pointing out that the loan is more expensive they tell me I can't do simple math and insist that the loan they are offering will in fact save me money, or if not it's just an estimate so they can't be held accountable for lying to consumers.
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (OH)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives 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 deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.