davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (IL)

I sent a letter to Agency for Removal of XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$870.00}. They responded with account valid. I contacted original creditor XXXX XXXX that did their own investigation and found I was no longer responsible for this debt due to Identity theft. I have attached proof of this with a letter in this complaint. I also submitted this to the Agency and they did not remove the debt.
Consumer complaint received 2019-12-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

Dear CFPB I check my account twice a day, in the morning and evening. On Monday XX/XX/XXXX I did have my daughter 's recital and picked up her dress and admittenlty failed to check my account. The {$75.00} overdrew my account less than {$20.00} I immediately deposited XXXX to take the account out of negative but expected a {$35.00} charge. Instead the bank charged me {$70.00}, and then another {$35.00} for a total fee of {$100.00}. They allege my account was negative by a XXXX then there were other fees. That mornng my account was not negative nor was it negative the weekend before. The bank is manipulating transactions so they result in the maximum fee to the customers.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have tried to resolve this dispute with Capital One for 30 day late in XX/XX/2018 that's reported on my credit report but they have ignored me I have paid for this on time and Capital one has not applied it correctly in their end. They are ignoring me and not letting me talk to a supervisor they keep replying back with there canned message that they have verified that this payment is late but one thing they have to understand is they did not apply my payment correctly and now I have a late payment which in my credit report, I will not stop my disputes until I am listened to and someone fixes this mistake.
Consumer complaint received 2022-02-20
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. (LA)

I am submitting this complaint myself, and to inform you that there is no third party involved in the process. I have attempted many times on a consistent basis to get the issue resolved with Equifax. Equifax has not complied with the Fair Credit Reporting Act 15 USC 1681 within the time allotted by law and has continued reporting the inaccurate and incomplete account to my credit report. On the report, it states the account was closed XX/XX/2021, but also states a payment was made XX/XX/2021, with a balance. Equifax is stating a payment was made on a totally different datr mm. Equifax is reporting a chargeoff only on payment history. There is no way a C/O can be reported as payment history. It's completely wrong and I do not agree with what they are doing. The FCRA states that all credit reporting agencies must report identical information and complete an investigation in 30 days yet this has not happened. However, Equifax is reporting incorrect information which they have been doing for months. I do not agree and what's being reported is not lawful. At this point, Equifax has affected my ability to obtain credit. I have not gotten any assistance whatsoever.
Consumer complaint received 2023-05-24
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NV)

Since XX/XX/2021, I have been requesting that Aargon Agency halt the collection of this debt and in return of further investigation, remove this account from my credit report. They have continuously reporting this account to the national credit bureaus even though its housing inaccurate and inconsistent information. 

Upon pulling my credit file and seeing this account that I had no knowledge of, I disputed it and it came back " verified. '' I reached out to this company to ask for more information and a detailed investigation into this account. Aargon Agency decided to not respect any of my requests. Instead, I was sent a bill statement that housed by name but an address not familiar to me and dates that directly conflict with times I was living elsewhere. Because, of these inconsistencies and inaccurate information I asked Aargon Agency to dissolve this account and request deletion of this account from my consumer report. They have chosen not to comply with federal and state law. 

I have reached at least once a month since XX/XX/2021 and Aargon Agency has countlessly stated that this account is verified. Although, I have requested the written agreement between Aargon Agency and I, the company they claim they're collecting for or this address of service. I've asked for clarification of the amount as it's inconsistent with the reporting amount on my credit file and I've also shown their inconsistent information with a rental agreement different from the dates of service they claim I owe for. This is not my account and it is being treated as such. I do not claim ownership and have told Aargon Agency this to no respect of the consumer, they've made no effort to truly investigate this, look at the facts and oblige to my requests. 

Aside from false reporting, this account has also been closed and opened ( not removed ) on my consumer reports, this deceptive practice is causing a detriment to my score. In addition, Aargon Agency has also harassed me via phone over 20+ times from XXXX ( most importantly calling before legal debt collection time ). These are clear violations of the FDCPA and FCRA.
Consumer complaint received 2019-12-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BTH Management (NM)

The loan was for {$2500.00}. I have paid over {$6000.00}. The rates change all the time. I believe this is a shark loan. I am getting harassed by their collection agency. I stop all payments from my accounts because their taking more money every two weeks. I paid another {$600.00}. I getting calls all day at work from a XXXX XXXX at XXXX four to five times a day. The calls started on XXXX XXXX. She said she will not get off the phone till she receives a payment. The collection agency XXXX XXXX XXXX XXXX. and there email XXXX. The loan was take out XXXX XXXX. The max of interest they can charge in New Mexico is 35 %. I paid way more than 35 %.
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (AR)

My husband and I have files several disputes with Experian, XXXX, XXXX, and XXXX, about inaccurate information on my credit report. The first time XXXX was reporting all the negative payment history and refused to include the positive payment history. After trying to dispute that, XXXX started placing IN REPOSSESSION for each month for 3 years after the car was repossessed. We sent in another dispute, Experian, XXXX and XXXX reported the same inaccurate information. We tried to fix the problem by calling XXXX to report the inaccurate information. XXXX told us, they wasn't fixing anything, because everything they sent to the credit bureaus is correct until 2026. We explained that the account cant be still open, if we don't have the car. We also let him know, reporting IN REPOSSESSION for years on our account is not fair. He replied, it is what it is and that is what they will continue to report every month.
Consumer complaint received 2023-01-10
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 
Pursuant to 15 USC 1681 Section 602 it states I have a right to privacy.

Pursuant to 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Pursuant to 15 USC 1681A- Definitions ; Rules of Construction- Exclusion.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer in the person making the report ; To conclude, pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.
Consumer complaint received 2020-01-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

XXXX 2019. {$600.00}, {$100.00}, {$61.00}, {$33.00}. Advance Financal over charges to use the money everyday. Charge 2791/2 high interest rate. Going to stop electronic payments by XX/XX/XXXX.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (CT)

Hello, This is regards to a credit account I have with TD Bank using their Myonlineaccount.net website access. This platform is antiquated, limited, hard to use, and very difficult to properly set up automatic payments. It was difficult to set up an initial user name and password on their site to even begin making a payment, but I was able to set this up and make payment with a significant amount of difficulty. I believe that they purposely make this difficult to access online services to make payments on time and force members to incur late fees. 

On XX/XX/2019 I was waiting for my new card payment to clear after trying to set up recurring payments the prior month. The due date for the payment was the XXXX and unfortunately, the payment did not initiate. I immediately made payment on the XX/XX/2019. The payment cleared on the XXXX. However, I was assessed a {$27.00} late fee. 

Again, I tried to set up recurring payments so that I would not get any more late fees. I have good credit history of making my payments on time. Unfortunately, the XX/XX/2019 payment did not initiate and TD Bank assessed another fee in the amount of {$38.00}. 

I called to speak with them and they would only refund the {$38.00} fee. I asked that they refund both fees because I tried multiple times to set up the recurring payments. They make this system difficult to use on purpose which I believe caused this issue. I have many other accounts and have autopay set up on those with other banking institutions without any issue. The user interface for their page is not friendly and can be confusing. 

I spoke with an agent on the phone and eventually asked for a supervisor. The agents response was that she could request a supervisor but could not guarantee how long I would be on hold until they would take the call. I felt I have being put off and pressured into getting off the phone. I said I would wait and a few minutes later the supervisor answered. She said that I had paid late and they could only waive 1 fee as a courtesy in a 12 month period. I stated that the {$27.00} fee in XXXX should not have ever posted to my account because I tried to set up recurring payments and that when the payment did not initiate that I paid the immediate following day. She stated that I paid late and that the fee could not be reversed. She could only refund the one fee. I do not recommend TD Bank or their user interface through the Myonlineaccount.net page.
Consumer complaint received 2022-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (SC)

Ask Discover Card for a settlement however they couldn't come up with a solution for me. I only received XXXX and that very limited income. 


Also, I would like to know when it was charge off, age of the account on company letter head. 

If its collectible would like to know what settlement offers available.
Consumer complaint received 2020-01-03
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. (NJ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, they must remove the accounts listed below. 

Also, the creditor of this account, which is XXXX  XXXX XXXX confirmed that they do not have any physical proof, a signed document with my signature on the account. 

Not only that, they also confirmed that my SSN was added to the account only in XX/XX/2019, which is IMPOSSIBLE as I have been disputing the account for over 1 year and XXXX XXXX XXXX did not have even my SSN in records at the time of the application, which again, could have been ANYONE who applied in my name online. 

Also, as of today XXXX updated my credit report as well and has taken off my credit report the above mentioned account. Please see proof attached!
Consumer complaint received 2020-01-10
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. (UT)

While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.
Consumer complaint received 2023-05-15
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. (DC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXXl 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 instruction
Consumer complaint received 2020-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Specialized Loan Servicing Holdings LLC (WY)

My husband and I secured a HELOC from XXXX in XXXX of XXXX for the purpose of buying and selling property. The note was purchased by Specialized Loan Servicing. I don't have the exact date of the purchase, but my memory is that it was approximately two years ago. We recently sold a piece of property, and with the proceeds, wired {$65000.00} to an intermediary XXXX XXXX account that SLS utilizes on XX/XX/XXXX. The appropriate routing and account numbers were provided to me by SLS. Over the week and a half that followed, I called twice to see if the funds had been credited to our account, being assured by the person on the phone that these things take time. During these calls, I would verify the routing and account numbers. Finally, on XX/XX/XXXX, I was told by SLS that they had not received the funds. I was quite alarmed, and called SLS several times that day, with no satisfaction. Then I called my bank, and my banker called SLS and verified the routing and account numbers with me conferenced in. My banker was alarmed by the blas attitude of the SLS agent. My banker proposed that we allow SLS until Friday, XX/XX/XXXX to rectify the situation, then initiate a reversal of the wire. No word came from SLS on Friday, so a reversal was initiated. As of the writing of this complaint, no word nor satisfaction has come from SLS.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (ME)

I work as a XXXX in The State of XXXX. I am required to keep my security clearance. During a security check it was revealed that cases had been created without my knowledge or consent. One case was with XXXX XXXX. I have a good relationship with the now, but an account was opened without my consent on XX/XX/2015. That account was not mine and was charged off. It has been placed with agencies, taking away my security clearance. Please have this item removed as it will cost me my job. 

The Account ended in XXXX  XXXX The account is reported as Past due {$1100.00}
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I have consistently made sure that payments on this account are made on time, avoiding any overdue situations. I am uncertain about the causes of the reported late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2020-01-10
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (CA)

To whom it concerns, previously I attempted to communicate with your reps and a supervisor by the name of MS. XXXX. And show my willingness to resolve and dispute this matter for which she refused and acted in a unprofessional manner and at the standard for which management from Sunrise Credit Services should. I try to let her know that matter under dispute is incorrect and should refrain back to XXXX but she instead raised her voice and made me feel unwelcome and somehow intimidated but she was laser focus in not letting me talk and I never expected from a manager to have such a low level of conduct, unprofessional and undesired behavior ..mostly I challenge her ability to handle any accounts at this point because of ms. XXXX is not able to control her emotions and lose control of the call her quick by intimidating others ( clients ) I hope my feedback can be somehow helpful because of ms. XXXX does not realize that her behavior can possibly will cause future lawsuit and complaints and damage the Sunrise Credit Services credibility and collection practices
Consumer complaint received 2020-01-10
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. (CA)

I have reported to the FTC and The XXXX XXXX Sheriff 's Department our Local Police Bureau that I am a victim of True Name Identity Theft. 

This started back in 2014 when I discovered that I had multiplXXXX XXXX XXXX XXXX and XXXX Bank accounts opened in my name without my consent or authorization. 

XXXX  XXXX XXXX determined it was internal fraud and sent me letters claiming liability. I reported to XXXX these were not mine, and they did not investigate and I sued them and we settled. 

I have reported to XXXX Transunion, and XXXX that I am a victim. I have sent police reports. I have sent victim statements. FTC Reports. I have disputed, numerous times. I have called and I hire an attorney to work on this as well. 

I have over 60 inquiries that are not mine. I have done all I can do. My next step is a lawsuit. Not one of these companies has investigated my Identity Theft and yes minimal accounts have been removed AFTER we filed an intent to sue. I need answers and I need them now.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

My name is XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATIONS OF MY NAME!! I live at XXXX XXXX XXXX XXXX XXXX OH XXXX. 
My DOB is XXXX my SS # XXXX. I WAS GOING OVER MY CREDIT FILE AND I SAW SOME ITEMS THAT ARE DEFINITELY NOT ACCURATE!! Please delete and remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The cellphone numbers on my credit report are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX