davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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.

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 2022-12-15
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. (NV)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (NJ)

SYNCHRONY BANK - Synchrony financial care credit Contacted Synchrony bank to make payment on credit card bc I lost credit card. Company charged me late fees and interest when I can not even login to account using credit card number. 
Company proceeded to charge me more late fees and interest on charges which I could not view online or make payment towards. 
Violating customer rights to view bill before making payment. 
Asked collections service manager to remove late fees and interest to no avail XX/XX/2019. 
Still can not login using account number to view transactions. Fraudulent practices by company costing customers money when they can not even login online to view profile and associated charges.
Consumer complaint received 2019-07-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION (GA)

I have a money market account with BBVA Compass. I have tried to make online transactions to transfer money out of my account on several occasions. The transactions do not process, and BBVA has no explanation on why the transfers are being refused nor are they assisting me. They state that I simply need to schedule the transaction again, however each and every transaction scheduled fails without an explanation.

Efforts to reach their corporate department have failed. BBVA does not have any branches in GA, which is where I live, so I can not meet any representative. 

I am an XXXX and planning to file a lawsuit against them. I have $ XXXX in the money market account and can not get any money out. 

I have also sent a notarized letter asking for the account to be closed and the funds to be transferred to me. BBVA is refusing to close the account. 

In addition, under their disclosures of opening a money market account, BBVA does not clearly disclose that there is a monthly limit of {$7500.00} to transfer funds out of the money market account. They only disclose a maximum of 6 monthly transactions but not a monetary cap. This is a deceptive practice and they were unable to point me to a disclosure discussing the dollar cap.
Consumer complaint received 2019-07-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Dear CFBP I am filing a complaint against Experian for failing to correct information reported by XXXX XXXX for account number XXXX. I sent them documentation from my bank proving they were paid on time but they did not do anything to correct the errant reporting from XXXX XXXX. Please have them update the months in question to paid as agreed for this account or remove the entry from my credit report. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a XXXX  in XXXX  and IM trying to relocate to XXXX and I had a mortgage broker pull my credit and there are somethings there that are not mine. I have been a victim of Identity theft
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (WI)

I took out a loan from Kia Finance to finance a XXXX XXXX XXXX. In XX/XX/XXXX, the car was damaged and in XXXX XXXX XXXX XXXX said it was a total loss and issues a check to Kia Finance, the lean holder. Kia Finance returned the check to XXXX XXXXXXXX saying it had to be made out to a different name from whats on the lean. XXXX XXXXXXXX re-issued a check. Meanwhile, all this time Kia Finance is reporting I am behind on payments and missing payments and it has affected my ability to refinance my home or purchase a new vehicle because my credit score went down XXXX points. I have called the company three separate times and no one is able to help. They said they have not number for the total loss department when I called and asked for someone. I asked for a supervisor to call me back and no one has called me. I have filed a dispute with XXXX XXXX on XX/XX/XXXX to dispute the actions on the account and the amount of the debt. It should be XXXX and it's affecting my credit really bad.
Consumer complaint received 2023-04-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
Original Creditor : 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-07-23
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. (TN)

I am a victim of identity theft. I have contacted Equifax and they keep saying that have not received the documentation. I have sent it to them several time without any response. Please delete this inquiry for XXXX XXXX made on XX/XX/20.
Consumer complaint received 2019-07-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc. (CT)

In XXXX of 2018, I was 1 month post bk, and needed a larger car for my family. I purchased a XXXX XXXX minivan used. I was approved through CPS. At the time of my signing at the dealership, I was not told the specifics of my loan, just given the general terms, months, interest rate, due date etc. It was noted a few months in that CPS operates under a daily interest rate on top of my APR I was told. My payments are XXXX a month. To this date I have paid over XXXX in interest and XXXX in principal. I still can not figure out how payments are posted because I was given an amortized scheduled in terms of what should be applied to interest and principal. That is not happening most months the payment are applied to all interest or may be $ XXXX to principal. I have made payments of XXXX since XX/XX/2018. My starting balance was XXXX, payoff is XXXX. You do the math. Its about 10 months of payments. If you do the math only XXXX has went to principal. How is that legal what they are doing. I would like to have their practices looked into because that is my hard earn money and they are taking it and not applying to what I signed up for.
Consumer complaint received 2015-06-29
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (VA)

Navient has repeatedly and frequently called my place of employment after being told by my employer that I may not receive any calls outside of emergency calls on this line. I removed this number from my account information, although I do not know how they even got this number as I never give it as a contact method, and they still continue to call my place of employment up to XXXX times a day.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: College Assist (OH)

I filled bankruptcy and the judge declaired my student loans be discharged. XXXX keeps adding back to my report after disputing and removing it. They are also changing to college assist to report. I have a full discharge on both companies. Please make them stop placing themselves on my reports. I am working hard to repair my credit and this is becoming a negative experience.
Consumer complaint received 2021-07-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK (WV)

I cosigned for my grandson student loan in XX/XX/2019 for XXXX been making payments, statement shows principal payments of XXXX and interest of XXXX with a balance of XXXX how do I owe more than the original amount?
Consumer complaint received 2019-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (MS)

On XX/XX/2019 10 fraudulent charges totaling {$2000.00} were processed by Regions Bank. I called the bank to report the charges and was told I couldnt dispute them until they were posted. On XX/XX/2019 I filed the dispute and was told it could take up to 10 days to funds back into my account. This is unacceptable as it took less than 1 day for the funds to be taken from me. The charges were to XXXX in Indiana and I live in MS . I was told there was no way to expedite this matter and that basically there was nothing that could be done to return my funds.
Consumer complaint received 2019-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

My name is XXXX XXXX and I am the only person on the mortgage, But my husband XXXX XXXX and I are both on the Deed. 
The property is currently in foreclosure and it is against both XXXX XXXX and XXXX XXXX since we both on the deed. 
Yesterday XX/XX/XXXX, we called Mr Cooper Home Loans. 
The current servicer is XXXX XXXX XXXX. 
Although Mr Cooper was the previous loan servicer, they still claim that my loan is with an attorney ( XXXX XXXX XXXX and Mr Cooper refuses to deal with us in any major way and Mr Cooper refuses to accept my husband XXXX XXXX as an authorized party to get information on the loan. 
Yesterday we spoke to XXXX ( id # XXXX ) and her supv. XXXX. 
We notified Mr Cooper for the first time back around XX/XX/XXXX that XXXX XXXX was NOT our atty anymore and that XXXX XXXX was UNcooperative with us and was not calling or notifying Mr Cooper even though we had requested this of him several times. 
Mr Cooper to this date, says that only the atty is allowed to remove himself. Mr Cooper has been informed MANY times of our displeasure with that atty and our FIRING that atty. We even had another atty assist XXXX XXXX with Bankruptcy after XXXX XXXX but Mr Cooper retains XXXX XXXX as the atty in charge and stated that the case goes back to XXXX XXXX automatically even though the bank atty doesnt have him registered as our representative anymore. 
XXXX XXXX says he tried several times to communicate with Mr Cooper but it seems that the bank tells him that the request has to come from us. ( See attached ). Mr Cooper is not accepting our request either.
Consumer complaint received 2019-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MO)

1. Date I paid {$1500.00} was XXXX and my credit limit was XXXX 2. Date they lowered my credit limit was XX/XX/XXXX 3. XX/XX/XXXX is the day I was told they would refund me XXXX 4. XX/XX/XXXX letter that notifies me they refunded XXXX not XXXX In XXXX of XXXX an interesting set of facts occurred. 
I had an active Citi Card Double Points credit card account with a XXXX available balance. I have been a good and reliable customer with CITI and made my payments regularly. I have not always paid on the due date but I have not gone over 30 days late within the past several years. 

I mistakenly paid XXXX on XX/XX/XXXX, I meant to pay {$150.00} and somehow missed that I added an extra zero. 
ON the XXXX, CITI lowered my credit line. 
On the XXXX I realized I had made a mistake and asked for a refund of XXXX. I was told by a representative of Citi that they would refund the XXXX. Sometime after the XXXX I received a written letter from CITI dated the XXXX, explaining they had refunded only XXXX, and that since they lowered my credit line to XXXX, they could not refund the remaining {$740.00} because it would exceed my credit line. I find this to be very onerous since the original payment occurred on the XXXX and at that time I had a credit line of XXXX. First, why would they lower my credit line after receiving the XXXX payment. That seems to be an odd reaction. Why can't they refund the portion I overpaid in error. Well, they can they just will not. Can you help me?
Consumer complaint received 2019-07-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Dear CFBP I am filing a complaint against Experian for failing to correct information reported by XXXX XXXX for account number XXXX. I sent them documentation from my bank proving they were paid on time but they did not do anything to correct the errant reporting from XXXX XXXX. Please have them remove the account from my credit report for inaccuracy. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-07-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

experian has computer problems regarding its online dispute system ... ... for the last 24 hours I have been unable to upload supporting documents for disputes submitted yesterday. 
they are important documents so I have scanned them here. 
1.an ftc id theft affidavit 2.a letter from XXXX XXXX saying they have told experian to remove a XXXX  account which still appears on the bureau report today.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts and inquiries : XXXXL Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-07-27
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. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2022-01-11
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: EQUIFAX, INC. (NY)

I am a XXXXXXXX  in NY and IM trying to relocate to XXXX and I had a mortgage broker pull my credit and there are somethings there that are not mine. I have been a victim of Identity theft
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have been disputing the said Bankruptcy Chapter XXXX with an inaccurate case number with Both XXXX & Experian since XX/XX/XXXX. They have repeatedly changed how my disputes were worded, A XXXX Representative by the name of XXXX XXXX Whom I spoken with today XX/XX/XXXX @ XXXX stated XXXX get their verification for Bankruptcies directly from the courts. And I was told this before also by a Experian Representative XXXX with employee Id # XXXX today XX/XX/XXXX, so I did my own research But when I have contacted the courts I was told by their Representative that they do not report to any third party companies, and she directed me to PACER to put in the both different case numbers thats being reported by Experian & XXXX , and they BOTH came up an invalid case number was entered. Also on the credit reports it states they get their information from another Third party Company XXXX and says nothing about receiving information directly from the courts, Which is clear Proof of the inaccuracies being reported by Both Bureaus. I have consistently sent in proof with every dispute and each time they say its verified with no proof as to how they both did their first investigations, Or they mysteriously didnt receive the disputes I have sent By Certified mail each time. also When I initially started my disputes back in XX/XX/XXXX, when I noticed these huge differences of reporting between the two companies, and after each dispute, I have requested validation as to what Company they have done my investigation through, & how they came to the conclusion of an accurate reporting of that case numbers, but both XXXX & Experian are NOT abiding by the FCRA laws and these companies really need to be investigated! And I am still Demanding under the FCRA that account to be Deleted immediately from both of them.
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

Synchrony Card was charged for Ashley furniture that I never received. Ashley stated that they sent the cancellation to Synchrony, but Synchrony is still billing me for it. It was for a Love seat and Sofa totaling {$1700.00}. I have reached out to Synchrony several times including disputes. I have also reached out to Ashley furniture. At Ashley, my contact was XXXX. I have been trying to get this resolved for over a year.
Consumer complaint received 2022-01-11
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. (NY)

I am a XXXX  in NY and IM trying to relocate to XXXX and I had a mortgage broker pull my credit and there are somethings there that are not mine. I have been a victim of Identity theft
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is still reporting incorrect information on my XXXX account and had the nerve to say they verified which is a blatant lie to you.. i lodged the same dispute with XXXX  on the same day XXXX investigated and returned with a XXXX balance transunion is operated in violation of the fcra.
Consumer complaint received 2023-03-31
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.