davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (GA)

I recently changed my direct deposit information with my job putting in my last three numbers of my account number incorrectly causing my check to go the the wrong account. The account number that was put in ending in XXXX when my correct account number ends withXXXX. I contacted the bank to discuss this matter. I was told there was nothing I could do because the member that the money was sent to had already use the funds. As a result of that, they had to wait for him to send the money back to them in order to credit my account. It is unfair to me because I work hard for my money and the name on the account should have been checked despite the account number being incorrect. This is unethical and unprofessional. Things like this show customers that they are not entitled to mistakes. I think that this is also theft from the Navy Federal member knowing that the funds were not his.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

Dear XXXX/XXXX  Re : acc # XXXX To Data Furnisher I had called XXXX customer service in reference to missing credit data in the month of XXXX on my XXXX XXXX and Equifax credit report. After numerous attempts to rectify the missing reporting data for the month of XXXX, XXXX payment data has also not been reported to XXXX XXXX and Equifax. Due to either technical difficulties, I assume the data furnisher is not fulfilling its requirements under the Fair Credit Reporting Act and Rule 660. This account is closed. I expect the payment history to reflect my payments made to my account consistent with my credit and payment history to the credit agencies.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Dear XXXX/XXXX Re : acc # XXXX To Data Furnisher I had called XXXX customer service in reference to missing credit data in the month of XX/XX/XXXX on my Trans Union and XXXX   credit report. After numerous attempts to rectify the missing reporting data for the month of XX/XX/XXXX, XX/XX/XXXX payment data has also not been reported to Trans Union and XXXX. Due to either technical difficulties, I assume the data furnisher is not fulfilling its requirements under the Fair Credit Reporting Act and Rule 660. This account is closed. I expect the payment history to reflect my payments made to my account consistent with my credit and payment history to the credit agencies.
Consumer complaint received 2023-07-21
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. (AL)

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : Collection Receivables I Account Number : There was is no account number It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2022-08-18
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED  XXXX XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-11-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (TX)

I transferred my funds from my Inheritance to my cash app account and I thought the funds would be safe there, I was in the hospital in XXXX and I can home and tried to use my cash app account with the debit card and the card was never activated, but all the funds were taken away without my authorization and I have been working on this since XXXX of this year and the cash app people tell me that I am not going to get any of my funds back they said that all the funds were taken and put on another debit card.I have contacted cash app several times and all they do is hang up and decline my case and I am sick of them not trying to help me figure this all out. They should have a way to find out where my money has gone to buy the ip address and the debit card number, I would be so pleased if you could help me in any way possible to get my money back the amount of money that was take from my account is in the amount of {$28000.00} and cash app says I am sorry mama but there is nothing that they will do to get my funds back. Please help me. 
My Phone number is XXXX if you should need to talk to me.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

These accounts were created from unauthorized use of my social security and i did not consent to, authorize nor benefit from any of the following I plus these are negative item created under my social security number block and remove them.Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$460.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$420.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$300.00} Account Name : XXXX  XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : -
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA (CA)

A person with the email XXXX attempted to obtain an Apple Card account from Goldman Sachs Bank USA with my name. The application was denied since I had a credit freeze on my credit accounts.
Consumer complaint received 2022-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MD)

My federal student loans were originally with XXXX as my servicer then they were transferred to XXXX-my loans now show a {$0.00} balance and no one can tell me what happened. I don't know if XXXX cancelled them-I just don't know what is going on and everytime I call Aidvantage I get the same response, no one can tell me anything. Even when I call my calls are redirected. I want to start making payments but I don't even know what I owe or if I owe anything. I called XXXX and they told me I don't owe anything.
Consumer complaint received 2019-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

XX/XX/XXXX I received a notice from my bank " You are among a group of members who will receive a restitution payment due to one or more requests you made to dispute a payment between XX/XX/XXXX and XX/XX/XXXX. At the time you made your request, there is a chance your request was not handled properly. '' iao {$180.00} this has not been paid as of yet but that is a separate issue ( the payment I mean ) ...

The Current issue is related, a dispute for credit/refund not given by an offshore Rental Car Company "  XXXX '' on XX/XX/XXXX when I cancelled almost a month prior was never refunded by the company. I've been back and forth with my bank USAA since, they've apparently had ongoing " dispute department '' issues ( as have I with my bank ) over the years for inconsistency on notices and refunds in the past. I currently still have a XXXX XXXX XXXX  complaint open on this charge ( which I was charged again today after " dispute review '' on the 3RD TRY submitting documents with ZERO NOTIFICATION. They just charged me again with no notice. I have also emailed and been in correspondence with the CEO of the bank informing them of the incompetencies of that department, apparently with little resolve. 

Please advise, and thank you for your time. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (NV)

I'm currently working with a solar rooftop installer that is offering financing by service finance company LLC. The solar installer is saying that if I would like to have financing through this company, that they have to add on 26 % of the total cost of the system as an upfront fee. This is a fee that the service finance company LLC retains, and not the dealer fee, although it is called a " dealer fee ''. I confirmed this through many different solar installers that utilized this finance company. 
I called the company directly to ask for the APR and they said they do not have one. Normally when I eat apply for or inquire about any loan, the federal government requires the percentage rate be listed, as well as the APR which is the percentage rate plus any fees or charges in relation to the loan. This federal requirement is so that the consumer will know exactly what they are spending on debt service. Service finance company LLC refused to provide the APR, and instead, they stated that their APR was the interest rate. This meant that they were saying that the interest rate was 1.99 %, and that the APR interest rate was also 1.99 % for a 25 year loan. Mathematically this can not be possible when they are charging a 26 % upfront fee, again called the dealer fee.

I am asking the Consumer Financial Protection Bureau investigate this company for illegal practices I am asking the consumer finance protection Bureau to please investigate this company for illegal practices. They are not living up to the spirit or letter of the law and are blatantly lying to the consumer.

I am not disclosing the rooftop solar installation company that I'm working with as I do not want them to be negatively affected by this complaint. When I talked with the service finance company LLC, their managerial representation was very angry that I was even asking these questions and seemed shady.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (CA)

I am employed by XXXX and have been employed for 8 months. At the beginning of my employment I passed all the background screenings and have been employed for 8 months, all of a sudden I received an adverse action email from XXXX stating that my background check from their background company showed two outstanding XXXX. I questioned this with them because I have been employed 8 months and already passed the background. 
Upon dealing with Checkr, who is the company XXXX uses for these screenings, I did find out about two XXXX in XXXX XXXX AZ. Case # XXXX from XX/XX/1998. This is very old and was not accessed when I first applied so I do not understand why they can use this against me at this time and barr my employment. 
I have contacted the court and set-up a payment contract with them and they will be removing the XXXX but I am not sure if I will be getting my employment back. So I have a couple questions : Why is these XXXX not off my report due to length of time passed Why after 8 months of employment did they have the right to rerun my background and provide new information when I did not agree to any new background checks. 
I have provided Checkr with all the information that the court has provided me but they have not cleared this report, which the court said would be immediatley cleared asap and XXXX lifted when payment contract was started I want to make sure I am able to go back to work and I want to know if XXXX and Checkr are allowed to do this.
Consumer complaint received 2022-08-18
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)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Consumer complaint received 2022-08-18
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. (SC)

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2022, I made a deposit and it stated that funds will be available on XX/XX/2022. I called to see about if I could apply for a credit card and I was told they were closing my account. This is second bank that has done this and I have not done anything to warrant such actions. They said the could not tell me why so the sender of check had to stop psyment on the check duet to we were notaware of what would have happen to funds or if they would have been held any longer and they are sending me a statement as if I have a active account but said its due to close the account to close in XXXX.
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: EQUIFAX, INC. (PA)

I have consistently ensured that payments on this account are made in a timely manner, preventing any instances of overdue payments. I'm uncertain about the reasons for the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be enacted.
Consumer complaint received 2019-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (IA)

I had an account with XXXX XXXX XXXX in 2016 during which time i lost my job, i was behind on the payment, so XXXX XXXX offered me a payoff for a settled amount ... .which i then agreed upon and paid. The account with XXXX XXXX actually shows resolved on my credit report. Now i am getting debt collection ( LNVN ) showing on my credit report and i dont know how they just doubled the debt amount - the credit card limit was {$300.00} to begin with this collection company is trying to charge me over $ 700- on a account that i was under the impression was already paid off with credit card company- XXXX XXXX - i have no paperwork from the phone call with the XXXX XXXX because everything was over the phone - i am not sure how to proceed, and i called the collection agency, LNVN and they said they would need to have proof of agreement with XXXX XXXX, to be honest at that time i was lucky to be able to afford the settlement amount and was grateful to have had enough to pay it off- now this coming back up and show another negative on my credit report and having no real knowledge of how to legally persue this without having yo spend money i do not have available to get an attorney. How can these companies do this legally- where is the rights of the average consumer? I am not in a position to pay over {$700.00} dollars to collections i dont even owe- i have children to raise and some months we are lucky to afford groceries after paying bills, i hope there is something i can do to have this resolved.
Consumer complaint received 2023-08-10
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: ACIMA CREDIT, LLC (MI)

I was looking over my credit report and noticed an account with acima digital acc # XXXX that doesn't belong to me. it is now being reported as closed and im owing hindering my ability to obtain credit
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: EQUIFAX, INC. (FL)

Just to give some base information : Our home Mortgage is through XXXX XXXX which is a brand name for XXXX XXXX XXXX. XXXX is who are bills are addressed from which is subserviced by XXXX. For several months we have had issues with the payments being applied incorrectly to the account. The issue continues to happen even as recently as XX/XX/2024. Our credit report pulled today shows issues with XXXX and XXXX payment. I called and spoke with XXXX at XXXX XXXX sharing our confusion and concern. I explained we have set up auto pay and our bank is showing the money was sent. She also confirmed she showed our payments current and the XXXX was received on XX/XX/2024. I will also attach a statement showing XXXX payment on XX/XX/2024 and the movement of funds at XXXX. It also shows the removal of a late fee due to the payment being applied to the account incorrectly.