davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
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. (MO)

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.

1. Account Name : XXXX Account Number : XXXX Issue : unauthorized 2. Account Name : : XXXX  XXXX Account Number : XXXX Issue : unauthorized 3. Account Name : XXXX Account Number : XXXX Issue : unauthorized 4. Account Name : XXXX XXXX Account Number : XXXX Issue : unauthorized 5. Account Name : XXXX Account Number : XXXX Issue : unauthorized 6. Account Name : XXXX XXXX Account XXXX : XXXX Issue : unauthorized 7. Account Name : XXXX  XXXX Account Number : XXXX Issue : unauthorized 8. Account Name : XXXX XXXX  Account XXXX : XXXX ssue : unauthorized 9. Account Name : XXXX XXXX XXXX  Account Number : XXXX Issue : unauthorized 10.Account Name : XXXX XXXX  Account Number : XXXX Issue : unauthorized 11. Account XXXX : XXXX XXXX Account XXXX Issue : unauthorized 12. Account Name : XXXX Account NumberXXXX Issue : unauthorized 13. Account Name : XXXX  XXXX Account Number : XXXX Issue : unauthorized My rights have been violated 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 2023-01-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MI)

Opened a Citi Checking account and made enhanced direct deposits totaling {$1000.00} within the first 90 days to receive a {$200.00} bonus. The promotion bonus was advertised to be sent within 30 days. 30 days has passed and I haven't received the bonus, now I'm charged a monthly fee for not having {$1500.00} or direct deposits on the account.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Im reaching out for your help concerning the incorrect account appearing on my credit report. This mistake has caused damage to my reputation, and I need your support. Due to the mismanagement of my credit report, Ive been deeply impacted, and my reputation has been tarnished. These errors must be addressed for the sake of my family 's well-being.
Consumer complaint received 2021-08-09
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: EQUIFAX, INC. (LA)

I sent letters again on XX/XX/2021, in regards to things that are inaccurate and unknown on my credit report. To this day, over 45 days later, I have still not received a response yet. I think they are taking advantage of me and ignoring my disputes. In Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. This information violates the FDCPA section 807 and also FRCA 15 USC 1681 A, USC 1681 # 2. They are infringing on my right to privacy and I demand that these accounts be deleted immediately from my credit report or I will file for litigation due to the stress you caused me.
Consumer complaint received 2021-08-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

I had student loans from the 1990 's. I believe I was steered into costly forbearances, instead of income based repayment plans. I have been denied loan forgiveness, despite having worked for the XXXX XXXX for 14 years. Additionally, please find the uploaded document about money taken by Sallie Mae, Navient, XXXX. Despite having paid $ XXXX ( approximately ), I have had {$0.00} applied to the principal. My loans have now been passed off to XXXX to the tune of {$220000.00}.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax alone of the credit reporting bureaus has consistently committed errors demonstrating gross incompetence bordering on criminal negligence. My Equifax credit score dropped 20 points overnight because their system reverted back to credit card balances of 3 months ago rather than updating to the current much lowed balances on said three credit cards.
Consumer complaint received 2021-08-08
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: CL Holdings LLC (MD)

Jefferson capital keeps reporting a balance on my credit reports that I have told them is not my account they are saying its a XXXX account which I never opened. It was disputed with both XXXX and XXXX and it was removed after a dispute. Now they have added it back as a new account to both reports. I have had the same cell service for 10 years I have never opened a XXXX account.
Consumer complaint received 2021-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

Mom died XX/XX/XXXX. Dad, next of kin/beneficiary, is XXXX  and not up for XXXX until XX/XX/XXXX. Dad signed PoA to me, their son. Dad was payee to Mom 's life policy, a check dated XX/XX/XXXX in the amount of XXXX . Dad asked me to use the PoA to deposit the check in order to pay off the house where my grandmother and grandfather, both retired, my two younger brothers, and I live, so that we would be taken care of. Our ages are XXXX, XXXX, and XXXX. I opened the account, depositing the XXXX $ check with the following bank on XX/XX/XXXX : BB & T, now Truist, XXXX Branch, XXXX XXXX XXXX XXXX, XXXX Georgia XXXX. I had the PoA ready in case they needed it, but no one asked for it. Now BB & T has opened the account in my name but has frozen it and will not allow me access to the funds due to their bank policy, because my dad does not have a BB & T account. In the meantime, the check has cleared on the payor 's end so there is nothing they can do to help resolve this issue. During this time I drove to the XXXX branch several times to speak with the branch manager who was never available, called BB & T, my mom 's insurance company, and her insurance agent to help me resolve this issue. After a visit to the XXXX Branch on XX/XX/XXXX, it seems like the local branch had stopped even trying to resolve this issue. Finally, I called the corporate office on XXXX, they told me I would either have to get a lawyer or wait for my dad to get out of XXXX  in order to access the funds. But the account is in my name, so I am not sure how that will help. It has been well over 30 days, and BB & T is no closer to resolving this issue. It is possible they just don't know how to resolve my issue, is there anything you can do to help?
Consumer complaint received 2021-08-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

XX/XX/XXXX received letter from State of California, Chief Deputy Attorney General, XXXX XXXX, who received complaint regarding PHH Mortgage practices disputing Loan Balance and Partial Claims. 
XX/XX/XXXX received letter requesting additional time to complete review of Loan Balance and Partial Claims Dispute. 
XX/XX/XXXX received letter stating an error was made with XX/XX/XXXX loan modification. The principal amount was {$21000.00} more and was obligated to sign a a Subordinate Deed of Trust for {$21000.00} therefore being double charged! Also advised all payments from XXXX need to be applied! And advised {$61000.00} ( {$40000.00} + {$21000.00} ) will still be owed to HUD!!! 
XX/XX/XXXX PHH reported correct Loan Balance amount of {$140000.00} to all credit agencies : XXXX XXXX  and XXXX. 
XX/XX/XXXX received payoff quote valid through XX/XX/XXXX in the amount {$180000.00}. 
XX/XX/XXXX received letter states all payments received since XXXX loan modification have been reapplied and the unpaid principal balance for this account is {$170000.00} as of XX/XX/XXXX. {$300.00} of outstanding late fees on the account, but they have been waived due to the re application delay. 
XX/XX/XXXX received payoff quote valid through XX/XX/XXXX in the amount {$180000.00}. 
XX/XX/XXXX Received a letter stating unpaid principal balance is {$170000.00} and HUD Lien for {$40000.00} and {$21000.00} still remain due!!
Consumer complaint received 2021-08-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (AZ)

I am having a very difficult time making payments online for this loan provider. They make it extremely difficult to turn off auto-pay to allow me to pay whenever I want, instead of a fixed day. This can only be done by calling in and it took me 3 times before they actually turned it off, I was even charged twice one month when I attempted to pay on my own over the phone a week before my due date. If I want to pay online, the same problem happened until the third time it finally stopped auto-deducting from my account. To pay extra each month, which is what I prefer to do, I have to first make my monthly payment and then navigate back through the flow again in order to chooce a principle amount and make a second payment for anything extra I want to pay. Just today, what prompted my rage to actually lookup how to file a complaint and file one, is when I got this message attempting to make this months online payment. It said " We're unable to schedule payments online between XXXX XXXX  and XXXX XXXX ( Pacific Time ) daily. Please come back later to make a payment ''. So I am now fed up with this lender as they are the most difficult lender I have dealt with to make payments. I am almost ready to take out a loan with another lender just to pay this one off and leave this company for good.
Consumer complaint received 2021-08-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

i have been trying to dispute inquiries on my Equifax, XXXX  and XXXX  but every time they don't remove the inquiries and they are still on my report. I did not authorize these inquires and they are fraud which i explained to them but they wont remove them.
Consumer complaint received 2021-08-08
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: CLGF Holdco 1, LLC (PA)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ).
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

REQUEST FOR XXXX XXXXXXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX SS # ENDING IN XXXX
Consumer complaint received 2021-08-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed information they are reporting to my credit file and they have not honored my request and have responded to me! This information is affecting my credit scores in a negative way and they are violating FCRA regulations!
Consumer complaint received 2021-08-09
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. (PA)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT AND INQUIRY WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). EQUIFAX HAS NEGLECTED TO HONOR MY REQUEST TO DELETE THESE ACCOUNTS AND INQUIRIES THAT ARE A RESULT OF IDENTITY THEFT AND BY LAW ARE REQUIRED TO PAY ACTUAL DAMAGES. I WILL TAKE ALL LEGAL ACTION, PLEASE APPLY 15 U.S. Code 1681 TO MY CASE.
Consumer complaint received 2021-08-08
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: Affirm Holdings, Inc (PA)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ).
Consumer complaint received 2021-08-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Designed Receivable Solutions, Inc. (CA)

I received a statement in XX/XX/2021 from a collection company by the name of Designed Receivable Solutions. They billed me for a medical bill that was already taken care by me. I was required to pay a deductible with my insurance company which was resolved shortly after my visit. I never received a validation notice from the collection agency giving me an opportunity to dispute this debt. Rather than receiving a notice ( required by FDCPA ), my credit was impacted. 

Thank you,
Consumer complaint received 2021-08-08
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

on XX/XX/2021, I purchased several items on XXXX 's website. When I checked my bank statements at CapitalOne, I found that I could not recognize one of the transactions from XXXX 's which is {$32.00}. 

All of the purchased items and prices are listed in payment details in XXXX 's Confirmation letter. and all of the transactions from XXXX XXXX are listed in CapitalOne Bank statement. But, they don't agree with each other. There is {$32.00} difference. 

I called XXXX 's but they didn't want to take care of the misconducted transaction. I disputed with Capital One but they didn't give me the option to upload evidences and closed the case immediately.
Consumer complaint received 2021-08-09
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. (TX)

Equifax has failed to thoroughly and openly investigate several misleading accounts listed below on my credit report. They have engaged in frivolous and nefarious activity in terms of re-investigating these accounts. I am hereby enlisting the help of the CFPB to hold them accountable and will be sending this complaint also to the FTC and my State Attorney General to resolve these matters expeditiously. I have sent Equifax several challenge letters some of which I attached below. All my letters are in accordance with FCRA guidelines and provide proof to enable Equifax to remove these inaccurate accounts. Sometimes Equifax vaguely " remarks '' some of these accounts without providing me with any actual proof of how they allegedly verified said accounts. This violates several federal laws and is willful violation of the FCRA. Any new or future remarks on any of these accounts will be taken as admission of wrong and liability. I have also sent several direct challenge and dispute letters to the creditors associated with these misleading accounts which I attached below. These creditors have refused to correspond directly or validate these alleged accounts and debts in accordance with the FDCPA. Equifax continues to illegally collude and communicate with these creditors who are also all in violations of my cease-and-desist letters which I sent them directly.
Consumer complaint received 2021-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I was notified of a over drawn Wells Fargo checking account in my name Wells Fargo has a pending fraud case on it. However upon suggestions from collections I was told it looks better if it got paid off so I paid it even though it wasnt my doing at all. The account from XXXX!
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/2022 they unilaterally closed my card. Then they added a charge that indicates " refund check '' in the amount of - {$600.00}, I have not received or cashed any check. 

I continually ask them to remove the charge. They said they closed my " old account '' and credited the amount back to the " old account '' which I don't have access to see or use. 

I repeatedly ask them to credit it to the account I DO have access to, if any. Alternatively I ask them to actually issue the refund, they keep telling me to wait and nothing is happening. When I call back they repeatedly have no records of my previous contacts. When I ask for a way to write them in writing, they argue or don't speak XXXX well enough to hold a conversation. Now they're claiming I owe them money in the amount of {$240.00}, when its the other way around, they owe me {$600.00} ( less the {$240.00} balance on the new card ). They advise me " just don't pay your bill then, if you get a late fee we'll just refund it '' ... however it is my position they are holding my money in deposit illegally without interest.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

Nelnet is reporting inaccurate lat payments on my student loan account. I have called and talked to them several times to try and rectify this situation to no avail. These late payments are affecting my credit score. They are also reporting inconsistent information to the three credit bureaus. I need the late payments removed and the inconsistencies updated.
Consumer complaint received 2021-08-08
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. (MI)

These companies have violated 15 USC 1681 ( a ) ( 2 ) ( b ) under the exclusion section. Congress says anything that extends or was authorized from a credit card or similar device should be excluded from a consumer report. A " credit card '' is, in fact, not an XXXX XXXX or XXXX credit card because the actual definition says " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Also known as my Social Security Card, Driver 's license, and more. They have failed to realize these mistakes on your behalf and should remove these items immediately. You have also failed to recognize that only I, the original creditor, can verify. This is an incorrect use of my credit report because this should be excluded from my report. They have also violated 15 USC 1681 ( a ) ( 3 ) under the exclusion section by including medical information on my credit report. Please resolve this matter quickly. I have been denied places to lay my head, obtain transportation, and even financial support. Thank you for your help in this.