davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
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)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should 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 2021-12-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (MD)

My complaint against LightStream is that I was overcharged interest and I did not receive my 1 percent interest rate discount as advertised for doing automatic debit from my checking account. Also I am being overcharged with the interest rate I was given and my resolution is that Lightstream credit back all the interest due to me after I took out the loan.

I am being charged about 10 % more interest on this loan than agreed to when I signed with Lightstream and I reached out to the company in regards to this issue on XX/XX/XXXX in regards to my loan being calculated incorrectly and I requested a copy of my amortization schedule which I never received. 
Account XXXX Create Nickname Original Loan Terms Loan Amount : {$13000.00} Interest Rate : 12.44 % Loan Term : 48 months Funding Date : XX/XX/XXXX Current Loan Terms Principal Balance : {$8000.00} Interest Rate : 12.44 % Current Term : 25 Payment Method : AutoPay Payment Amount : {$360.00} Date Next Payment Due : XX/XX/XXXX Amount Due : {$360.00} Per Diem : {$2.00} Interest Paid This Year : {$1100.00} Interest Paid Last Year : {$1500.00} Lifetime Interest Paid : {$2600.00}
Consumer complaint received 2023-01-23
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. (IL)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$28000.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$9100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$580.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$630.00} ), XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$220.00} XXXX XXXX  ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$630.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-01-22
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. (CA)

EXPERIAN, XXXX, & XXXX have been reporting inaccurate information on my credit reports. I am a victim of identity theft and my problem has not been resolved. I filed a Federal Trade Commission report. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-10
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (LA)

My social security number and date of birth was hacked. My account with Experian has my x wifes email in their system. The code to log in goes to the x wifes email. All I want to do is set up a security freeze? Experian will not answer their phone. I need an immediate freeze. Please help. Email me at XXXX, or call my office at XXXX. Thanks
Consumer complaint received 2019-12-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Santander Consumer USA Holdings Inc. (CA)

Got in a car accident on XX/XX/2017 was not my fault my car was claimed as a total loss My insurance company paid the fin financing company called Chrysler Capital what the car was worth at the time of the accident. And with my car deal I paid for gap Insurance where they would pay for the remainder of the car after my car insurance paid and about a year later Im getting letter and phone calls from the financing company saying i still owe them money. I would like some help with this dispute please
Consumer complaint received 2019-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2019, a friend transferred {$250.00} ( USD ) to my paypal account from her XXXX XXXX Visa Debit Card for a private event. She paid a {$7.00} transaction fee, totaling {$250.00}. 


When I logged in to Paypal, it showed my currency as Euro, even though I am not now nor have I ever been a citizen of the XXXX or lived in XXXX. I have always been an American citizen and have always banked with U.S. based financial institutions. My linked accounts in PayPal has remained the same U.S. based financial institution. 


My PayPal account shows XXXX Euro were transferred in this transaction, which converts to ~ {$240.00} USD, a {$10.00} difference of what was actually sent. There is no explanation on the {$10.00} discrepancy. So I contacted support to find out why Euros were showing in my account, if they could correct this and to correct the {$10.00} discrepancy. 


My fist contact to support was on XX/XX/2019 through their message center. A series of messages were sent in which multiple representatives were involved and were providing inconsistent and largely incorrect information on how to resolve this. It was clear a phone call would be necessary. On XX/XX/2019, I called support about my problem, after about 30 mins on hold, my call was disconnected and nothing was resolved. 


On XX/XX/2019, I called support again and spoke with a representative who identified herself as XXXX. On this call, XXXX informed me that the currency was being converted to Euro and a conversion fee was being charged, even though the additional fee was not detailed anywhere in my or the recipient 's transaction. I explained to her that this transaction originated in USD from a U.S. based bank account and was being transferred in USD to another U.S. based bank account, both the sender and recipient are American citizens and we both live in XXXX XXXX, CA. Yet she repeated the same information. When I asked to speak to a supervisor-a request I kept insisting on for about 20 mins, she refused to transfer me over to someone continuously stating they were all occupied and instead instructed me to read PayPal 's terms and conditions ( T & C ). When I asked her to point me to the T & Cs that specifically detailed this situation, she was unable to give a precise location. After being on the call for 40mins, it was clear nothing was getting resolved through support and she would not forward me to a  supervisor, so I got off the phone call. 


Unfortunately, I am now left without a resolution after spending several hours trying to resolve this issue and lack of trust in PayPal 's support infrastructure to resolve this.
Consumer complaint received 2021-11-10
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: EQUIFAX, INC. (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction in the letter I sent. XXXX, Equifax, and XXXX violated my rights as a consumer, I also included a screenshot of the law
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CO)

I got a Costco Credit card from Citibank over 2 months ago. The company failed to send me any bills in the mail and I did NOT authorize e-billing. All of a sudden I started to get collection calls saying my account was overdue. I went to my online bank site to pay Citi ( despite not seeing a bill ) but I have no address to put into the site so I can pay. Logically, I call the phone number on the back of my credit card to try and resolve the problem but, after going through multiple menus, the automated phone service says they will transfer me to an agent but then the line goes silent. I waited in silence for over 20 minutes with no response. So, I'm not getting a bill mailed to me, am getting automated debt collection calls, and am unable to reach anyone in the company to talk to.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

XXXX / 30 days late in XXXX 2020, XXXX 2020, XXXX 2020, 60 days late in XXXX 2020, XX/XX/2020 as well as 90 days late in XX/XX/2020 and XXXX 2020. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I talked to Nissan Motor Acceptance Corporation to add my payment history but they denied due to the bankruptcy file in 2012. 
Also contacted all 3 major credit reporting companies but they refereed to your website to report with the proof of payment.
Consumer complaint received 2019-12-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (IL)

*Loan was initiated XX/XX/XXXX by PNC bank *Loan is already existing with company since XX/XX/XXXX as an equity loan. I needed an additional XXXX for roof replacement. 
* Everything was going smoothly until loan officer said they did an appraisal but only a walk through was actually done. They never did an appraisal I provided them with an old one that was done in the first loan process. 
* They have told me over the months of this process that they are waiting for the appraisal to be validated ( whatever that means ). It was in the hands of the appraisal and not the underwriter. Which makes no sense because an appraisal was never done. 
To date I have only been provided one letter that stated I met all the conditions and that my end date for application was XX/XX/XXXX. Which after questioning they told me to not worry about. This whole situation seems to be very unethical and discriminatory based on my race and neighborhood demographics.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance of the fair credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have rights to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-10
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. (CA)

On XX/XX/XXXX, I contacted XXXX XXXX  to dispute/settle the collection account reported on XX/XX/XXXX and was informed that the account had been forwarded to XXXX XXXX XXXX Collection agency and that XXXX XXXX  was no longer handling the account and all collection activity would be handled by XXXX XXXX XXXX XXXX 

Between XXXX through XXXX, I never received any correspondence from XXXX XXXX advising of the charge off, considering that the creditor had my current address, at which I resided for the last 12 years. 

I then contacted XXXX XXXX XXXX and attempted to negotiate the payment for the collection/charge-off account and requested that upon payment- the account to be reported as settled and paid however I was informed that all collection reporting to the credit bureaus was being done by the original creditor- XXXX XXXX  and that paying the account would not guarantee an update on information reflected on all the credit reporting bureaus. I then contacted XXXX XXXX  again in order to discuss the above and was informed that they were not able to assist further.
Consumer complaint received 2019-02-08
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. (IL)

After sending information to verify myself with my disputes ( XX/XX/2018 ), Experian has failed to respond to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

ACCOUNTS XXXX XXXX XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX XXXX  XXXX {$1900.00} not mine
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (CA)

I negotiated and paid a collection account with NCB Management- which is the collection agency for XXXX XXXX ( pay day loan ). It was agreed that upon receipt of the negotiated payment- the collection agency would cease all collection activity and the account would be deleted from all credit reporting bureaus. 

Initially the account was deleted and has now re-appeared on the XXXX credit report.
Consumer complaint received 2023-01-23
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. (SC)

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX {$1000.00} violation To Whom it may concern : I, XXXX XXXX, consumer XXXX and natural person, am aware of all the rights that I have, and which are protected by The Congress of The Fair Credit Reporting Act ( FCRA ) .Im contacting you because Equifax, has violated my federally protected consumer rights to privacy and confidentiality and that you claimed to have completed a reasonable investigation with the furnisher of information and verified account listed below as 100 % accurate, However this account is still inaccurate and your company still continue to report errors on my credit profile and its been damaging my credit since XXXX XXXX XXXX. All three credit bureaus have inaccuracies. The account they have listed for XXXX isnt mine, inaccurate account numbers, inaccurate date opened, inaccurate balance, inaccurate last reported date, inaccurate last date active, and inaccurate date of last payment.I disputed this XXXX account several times and you failed to correct the errors each time. Now I want this XXXX  account DELETED IMMEDIATELY! Equifax, illegally obtained person and private information under The Privacy Act of 1974 and 15 USC 1681 Sec 604a sec2 also states a consumer reporting agency can not furnish an account without my written instructions. I did not grant Equifax or XXXX permissible purpose to obtain the information then report, nor did the debtor. I havent been notified that my information is being provided to the highest bidders. I also request for XXXX account to be deleted as well for violations and unlaw acts according to the Family Educational Rights and Privacy Act -for students loans 16 CFR 6805 b- The will for non-compliance, As a consumer, and natural person I am invoking specified remedy and make the following demands : -Cease and Desist reporting of the account name filings to all consumer and reporting agencies -Remove reporting of the account name filings from all consumer reporting agencies. 
-Delete this account immediately no more investigations you reported these inaccuracies for three years now and none of documentary evidence was shown for what I requested. unless you want to be held for a {$1000.00} a violation and for damages as well. 
Ignoring this Cease and Desist will be evidence that the infringement, were willing, deceptive and in violation of the ( FCRA ) The Following accounts I wanted deleted below : XXXX : XXXX Not mine all info inaccurate delete immediately - {$1000.00} XXXX off federal protected consumer, XXXX XXXX