davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-06
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: Experian Information Solutions Inc. (CA)

Hello, I called Experian and requested to speak to the special investigations department on XX/XX/XXXX and I expressed to the representative that there are a number of inquiries on my credit report that I didn't give anyone permission for. I explained to the representative the various companies with inquiries including the report dates and he told me he was going to have the issues resolved within 27-72 hours. I noticed he deleted 6 of them and he failed to delete the remaining unauthorized inquiries. Experian repeatedly fails to follow through and they falsely claim they're going to investigate something and they don't.
Consumer complaint received 2022-03-06
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. (KS)

Back in 2019 i was robbed at gunpoint for my car and phone. My phone had copies of my social security card and photo ID and my phone had no passcode. I believe thats how m identity was accessed in order to open these accounts because no one had access to my information other than that person, that I am aware. Upon evaluating my credit report i noticed numerous things or accounts reporting that i did not know anything about or authorize. 

Two auto loans are listed one from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that i did not authorize. 
An account with XXXX XXXX XXXX which says its original creditor is XXXX Also lists 16 HARD inquires SXXXX 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 2018-12-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: First Technology Federal Credit Union (NC)

I experienced a break in in XX/XX/2015. My wallet was stolen as well as my DL and SS card, and other personal items. After review of my credit reports several loans and credit cards were open in my name. I have the fraud alert now on my file. This auto loan from First Tech is a result of fraud. I have submitted documentation and have disputed the inaccurate reporting of this negative item which is causing me damages and defaming my character.This action is a violation of my rights as a victim of identity theft under the FCRA.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (OH)

On XX/XX/2022 I opened an account with Truist with a promotion that included a {$500.00} bonus if you had XXXX direct deposits of over {$1000.00}. As part of the account opening process, I sent a real-time transfer from another bank account I am on in the amount of {$50.00}. On XX/XX/2022 after the deposit had posted, I was no longer able to access the account. I contacted the bank and was advised that there was suspected fraud on the account and that it had been closed. I was advised that a pending direct deposit from my employer that was already scheduled to post to the account would be returned. I also received a letter in the mail explaining that any deposits on the account would be returned within 10 days. I was told over the phone that the only way to get the money out of the account is to go to a branch with an ID. I explained that I do not live near a branch with the closest one being about a XXXX hour round trip drive. The agent said that once the account closer was finalized that funds would be returned. 

My employer informed me today that the direct deposit in the amount of {$500.00} that we expected to be returned never made it back. I contacted the bank who apologized that I was informed it would be returned as the " account is closed to all postings '', but it will not be returned. Furthermore, the bank informed me that my ONLY option is to make the trip to a branch and there is nothing they can or will do. I have offered a notarized letter proving my identity and was even OK with them reversing all transactions on the account so that the funds go back to where they came from. They have refused all of these solutions and are holding my money hostage. Although I do not live near a branch, I opened the account because it said it was open to Ohio residents so I was going to use it as an " online '' bank. I need to get my money out of this account or returned to where it came from.
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America XXXX XXXX Online account was hacked into and {$5800.00} stolen in XXXX separate transactions I informed the bank as soon a I saw these transactions within a few days They sent a replacement card twice and during that time more money was taken and informed me I could not change online banking details until I received my new card They were very negligent not keeping my money safe from the first fraudulent transaction that it happened again Now I am fighting to get my funds back
Consumer complaint received 2018-05-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (SC)

I took out an installment loan with CashNetUSA ( CNU Online Holdings , LLC ) for {$1200.00} on XX/XX/XXXX. 

The APR is exorbitant and predatory at 276.23 %. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. Per South Carolina law, I should have only been charged {$180.00} on this {$1200.00} loan. My total paid should be {$1400.00}. 

To date, I have made 11 payments for {$140.00} each totaling {$1500.00}. I have paid {$120.00} more than South Carolina law allows. 

If I make all 27 payments, I will end up paying {$3800.00} to include {$1200.00} loan amount and {$2500.00} in fees. This is more than double to loan amount. I am requesting that the XX/XX/XXXX payment of {$140.00} be the final payment and my account then be marked closed and paid in full. 276.23 % should not be legal and is certainly predatory. It is also against South Carolina law.
Consumer complaint received 2022-06-16
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-07
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. (AL)

Problems with inaccurate, unverified information reporting on my credit report, which is preventing me obtaining credit and harming my character as a consumer, I have contacted XXXX, Equifax and XXXX concerning this matter asking for proof that these accounts were properly verified and reporting accurate information, and nothing has been sent or done to fix the problem.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

A person who pays off their credit cards in full every month and does not carry any balances is a much better credit risk than a person who does not have enough money to pay off their credit card balances. 
Here is the problem. Many people use their credit cards for everything they can, say for airline points or convenience. They get their credit card statement and pay the balance in full every month. Or they set up full balance automatic payments. You would think they would be a low credit risk and have a high score. Most of them do have a good credit score but it is lower than it should be. 
This is because the credit card companies report the balance at the end of the billing cycle to the credit bureaus. If you had a {$1000.00} balance on your statement and paid it in full the day after your statement cycle closed and then had a {$0.00} balance, you are scored the same as if you were carrying a {$1000.00} balance from cycle to cycle and paying interest. 
On the other hand, if you check and pay your balance online two or three days before the statement closing date ( not the payment due date ), your balance will be reported as {$0.00} and your credit utilization ratio will be very low and your credit score will be higher. 
I have tested this on my own and found that my score was as much as 15 to 20 points higher.
Consumer complaint received 2021-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NV)

Us Bank. On XX/XX/XXXX I realized my account was frozen and they stated it was due to the irs trying to take out XXXX XXXX dollars so it got froze due to suspected fraud. I later received my check from the irs for XXXX XXXX. The bank advised me that my account would be closed and the money that was in my account would be sent to me in a check. I received a letter stating I would be getting my money as well. However here we are on XX/XX/XXXX I went to the bank and they told me they dont know where my money is and there is nothing they can do or say to resolve the issue. I have XXXX in that account
Consumer complaint received 2021-06-10
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. (AL)

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account XXXX XXXX Account numbers -- XXXX /XXXX XXXX Account number XXXX XXXX XXXX-Account number XXXX. In these 2 months I have not received a notice in over 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is a non-compliance of the FCRA. Thank you
Consumer complaint received 2024-02-06
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. (IN)

I am a victim of Identity theft. I froze my credit through Experian in XXXX of 2023 and a week later the ID theft was able to gain access to my account and change my information to theirs. Baring me from my account that contains my personal information. 

I called Experian multiple times on multiple occasions and filed reports with them 3 times to get my account back and prove my identity. They never responded back to any of my attempts and continue to allow my information to be used by another individual against me after I've given proof of the theft. 

I'm repeatedly hung up on when I call in to press the matter. They are knowingly allowing people 's information to be stolen and are unable to manage this level of personal information efficiently or legally. 

They should not be allow near anyone 's SSN.
Consumer complaint received 2021-12-01
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

I want to see if I can open an account with chase bank Chase bank decided to end up business relationship with me even though I have never had an account with Chase before I had three fraudulent chase accounts which were open under my name I recorded the incident to Chase and I reported the Incident to the federal trade commission Chase investigated the claim and found the claim in my favor So I want to see if now I am able to banquet Chase because this would be my first bank account with Chase and I want to bank with the best bank in the United States
Consumer complaint received 2022-03-06
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

On XX/XX/2018 around XXXX XXXX I called quicken loans to make a full mortgage payment over the phone on the last day of my grace period due to unforeseen circumstances. I was advised by two quicken loans managers that they could not process my payment in full today because we were paying from 2 separate XXXX XXXX accounts. I was told that quicken loans had to split the payments and process one today and one tomorrow. In doing so that scenario would automatically generated a XXXX dollar late fee because one of the payments would now get posted past my grace period because of the way their payment process system is set up. That is not my problem! and I shouldn't be penalized for your payment system or IT department not being able to figure out how to process different types of payments to the same account on the same day. And the worst part is having the audacity in charging me a XXXX dollar late fee due to your limited customer service payment processing shortfalls I'm demanding a refund. I felt i was being gouged scammed into fees that were designed to pad your companies bottom line, The question is how many other innocent borrowers that didn't speak out that have also been taken advantage of by your so called split payment system. 
XXXX Dollars times Ten million borrowers let 's say makes a nice profit.
Consumer complaint received 2017-12-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TX)

XXXX has the worst customer service and would not help me resolve my issues with them. 

They are currently asking me to pay $ XXXXmonth towards my student loans which I can not afford. I tried speaking with them about other options in XXXX XXXX. They suggested the income-base program and also mentioned the public service loan forgiveness program as well to drop down the interest and make 120 monthly payment and the rest it would be forgiven. 

I faxed in the necessary paperwork to them to apply for the programs. A month later ( XXXXXXXX XXXX ) the update was that I can pay a certain amount first to get caught up to not be past due and then start the programs they had to offer. I told them I could n't afford to pay the amount they were asking for because of the situation I was in. They told me that they could n't help me with lowering that payment. 

Months past and still no update if they could work with me. Then finally Hurricane Harvey hits my home and I lost everything. I called them to see if they could do anything and the only thing they could do was not charge a monthly payment on my account. I asked them did they have a solution about lowering the monthly payments and the rep said that they would call me and let me know what the supervisor can do. 

I have yet heard from the XXXX and they are destroying my credit. I am trying to get back on my feet due to Hurricane Harvey destroying my home and personal belongings.

The Hurricane took away my belongings and home and XXXX is hurting my credit to get approved on replacing damaged clothes, house, furniture, so now Im stuck and do n't know what to do.
Consumer complaint received 2022-07-24
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ascendium Education Group (FL)

This company is attempting to collect a disputed debt that is presently being investigated by the FL Atty General and several other entities. This is related to a XXXX student loan, which I have also filed a complaint against with you, due to their repeated violations of the Fair Debt Collections practices Act ( by disregarding 2 cease and desist letters issue to them ). In addition to XXXX continuing collection calls, they have turned this disputed account over to Ascendium Education Group in an effort to collect and harass me about this disputed account. They called me repeatedly - 11 times on XX/XX/2022. This is clear violation of debt collection laws and needs to stop.
Consumer complaint received 2018-05-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (IL)

I applied for the payday loan back in XX/XX/2017 when I was employed full time.The company knew my paydays but continued to take out the payment amont on the wrong days which resulted in late charges and sometimes repayments.In XX/XX/2017 I lost my job and got behind on the payments but I also reported everything to the company which by that time handed it over to collections.I then spoke with a representative and told them I would get them the money as soon as I could.Collections then started to harass me so much every day after that day that I had to change my number.When I called back I was told that the account was changed off.
Consumer complaint received 2018-05-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (TX)

I borrowed money from XXXX XXXX XXXX  several times. Always I have paid my loan faithfully and diligently. I even pay extra each payment to try to pay down the principal sooner. This time I a struggling to make the payments due to loss of income. I reached out to them but because I have not defaulted they would not offer me any assistance with this. They said because I have paid my payments they can't help unless I have a returned payment. This seems contrary to what any reputable agency would advise. Why not help someone when they are trying to not default or cause an issue.
Consumer complaint received 2020-07-30
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. (LA)

Experian and XXXX are both showing information on my credit report that either 1 ) DO NOT BELONG TO ME or 2 ) DO NOT BELONG TO ME!! 

I have never gotten a pay day loan and they have one on here with NO date of when it was opened or any information and also a school loan that was taken out or opened in 1996 which I was NOT in school at that time and the information is 25 YEARS OLD!! 

Remove it now or I will report Experian and XXXX to the Ombudsman and the OIG!
Consumer complaint received 2018-12-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

Sallie Mae / Navient is my servicer. 

I was pushed into using my forbarence and other repayment options up front causing me to collect interest and fees while on the programs. 

I wasn't explained to that this was IT. I can never miss a payment and I have no options if I get sick or can't find the money. 

Also, I have in the past been harassed by Sallie Mae operators being told what I WILL do or else. I've had them yell at me and threaten my co signer. 

I have asked repeatedly for income based repayments but they don't exist I guess. 

These loans are very difficult to afford every month and now my protections are not available because they pushed me into using them up.
Consumer complaint received 2021-06-07
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: Affirm Holdings, Inc (CA)

The account " Affirm Inc '' is absolutely fraud. I did not open this account or authorize anyone to do so. This is a complete violation and needs to be deleted right away. I have attached a copy of an ID Theft Affidavit packet. This is damaging my credit and making me lose out on my financing goals.