davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

To whom it may concern, XXXX XXXX XXXX I have received a copy of my consumer report, i noticed late payments posted on my consumer report In reference to above account XXXX XXXX. Your company is in clear violation of the law by posting late payments. THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all late payments from the above account. I do not consent to e-oscar or any automated means of verification.
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Had Capital One card close to 2 years. Paid excellent and enjoyed the service and card. Then in XXXX they charged a {$39.00} annual fee. On a no fee advertised card. I immediately closed my account. I think I am not the only consumer that they do this to and the recover millions by people who either don't notice the annual fee charge and just pay it. XXXX XXXX Annual Fee:0 Credit Level XXXX {$3800.00} 0 % intro APR for 15 months ; 14.99 % - 24.99 % variable APR after that 0 % intro APR for 15 months ; 14.99 % - 24.99 % variable APR after that ; 3 % fee on the amounts transferred within the first 15 months {$0.00} EXCELLENT
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information. I previously sent letters to Equifax and these companies about their credit reporting not being right. None of these companies provided anything that I asked for to validate these accounts.
Consumer complaint received 2022-01-24
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)

Hello, I am aware that I am a natural person who has protected consumer rights. My consumer rights have been repeatedly violated. My personal information has been shared and used without my written consent. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX account # XXXX. According to 15 USC 1681b ( 2 ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent. Be advised that I am filing this complaint for my self and have had no assistance from any third party. Failure to respond adequately will result in me taking legal actions against your company.
Consumer complaint received 2022-04-08
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: Experian Information Solutions Inc. (CA)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
The did not do this. 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, The did not do this. 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything hs to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active i inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 renortinoadency can not furnish a account without mv written instructions
Consumer complaint received 2022-01-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (GA)

I XXXX XXXX entered into a consumer credit transaction with GM FINANCIAL on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but GM FINANCIAL took cash. The Finance charge is supposed to include insurance, but GM FINANCIAL made me purchase insurance separately.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information. I previously sent letters to TransUnion and these companies about their credit reporting not being right. None of these companies provided anything that I asked for to validate these accounts.
Consumer complaint received 2022-01-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

In 2007 I took out a private student loan with sallie Mae to attend school at XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX, NH. The student loan was switched to Navient shortly after I had left the school. Navient claims they paid the school over {$20000.00} in the XXXX and a half month period I attended the college. I began classes in XX/XX/2007 and left the school at the end of XX/XX/2007. After leaving the school, the school closed down for not meeting standards and repeatedly failing to maintain health regulations. Over the past almost 15 years I have struggled to pay my loan. Navient repeatedly recommended placing my loan into forbearance and income driven repayment as well as being placed on hold while I attended classes at another college. My loan currently is higher now than when I left XXXX XXXX. Navient has repeatedly raised my rate the increase the dollar amount of interest owed. At this time my loan does not appear to be going down with the payments I make. Myself as well as so many others have had nothing but issues and hardships due to this company while trying to repay a loan that will never go away without making huge unreasonable payments on it. My husbands sister had the same exact issue for years. I hope all of those individuals looking for a student loan stand clear of Navient as they are untrustworthy, manipulative, and condescending. They have only the companies wallet in mind and will not have one care if things become tight and its difficult to make payments.
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc. (NY)

In XXXX XXXX I disputed an account in the amount of {$3200.00} I had in collections to have been fraudulently opened. It was removed from my credit report. Then it was reinserted into my credit report in XX/XX/XXXX. I was not notified at all. This reinsertion lowered my credit score and also started the illegal re-aging of this account! I sent a certified letter to XXXX asking them to remove this Item off my credit report but haven't received a response and haven't been notified that they received this letter. This account is now open and last reported to the credit bureau on XX/XX/XXXX. Negatively affecting my credit on a monthly basis.
Consumer complaint received 2022-01-24
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. (DE)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information and inquiries. Which result in unauthorized items on my credit report.
Consumer complaint received 2021-05-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (WV)

I have an auto loan with Exeter Finance and they continue to not report in a timely manner to the credit bureaus. On XX/XX/XXXX they reported the XXXX payment. The payments are made at the beginning of the month. It is XX/XX/XXXX and the reports are only reflecting through XXXX. Additionally, my score dropped b/c the balanced reported on XX/XX/XXXX increased by {$240.00}. All payments for the last 6 months have been made on time and for the full amount of {$390.00}. Therefore, I do not understand how the balance reported was {$240.00} more. The balance reported is showing as {$11000.00} and the balance remaining currently is {$11000.00}. When trying to explain this to anyone at Exeter the best answer that I get is that it is " how the interest posts ''. The interest is {$240.00} a month. However, if I paid the full {$390.00} on XX/XX/XXXX and they reported on XX/XX/XXXX, my balance should have decreased by {$150.00}. This company continues to take advantage of borrowers by reporting in a manner that interferes with my credit score in an effort to keep you stuck in their predatory loan.
Consumer complaint received 2022-04-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MI)

On XX/XX/2022 I tried to transfer {$30000.00} from my Marcus by Goldman Sachs savings account, via XXXX to a bank where I have a checking account ( XXXX XXXX XXXX  ). 

On XX/XX/XXXX I logged into my Marcus account to find out that the transfer had been reversed. 

I then called Marcus  to find out why the reversal happened, and over the course of XXXX hours, much of it involving a three-way conversation with a representative from XXXX XXXX XXXX ( where I was trying to transfer the {$30000.00} ), I was told by Marcus, that the transaction was reversed because of XXXX  XXXX. 

The representative from XXXX XXXX Bank told the Marcus representative that XXXX XXXX had no record of any transaction request from Marcus. In fact, on the day that the transaction reversal happened ( XX/XX/XXXX ) there was no one in the department at XXXX XXXX to initiate a reversal - because it was a Saturday. 

During the course of four hours involving four conversations with Marcus  representatives, each Marcus representative, including a supervisor, insisted that Marcus always places a code to indicate why a transaction was reversed. But they had no code, or reason listed, for the transfer reversal. Because there was no code given, Marcus representatives- including a supervisor and specialist- said the fault for the transaction reversal was XXXX XXXX 's. 

I should also mention that three times Marcus representatives hung up - each time the same representative from XXXX XXXX remained on the phone line with me. 

In summation, it seems as if Marcus by Goldman Sachs is refusing to admit any error in the reversal of the initial transfer ( XX/XX/XXXX ). 

I should also mention that on XX/XX/XXXX I did ask for a wire transfer - and a Marcus representative expedited that transfer, but I was charged {$16.00} for it. Marcus refused to pay the {$16.00} fee. And Marcus kept on insisting they bore no fault for the earlier transfer reversal of XX/XX/XXXX. 

I am left wondering how can Marcus claim no responsibility for the transfer reversal when XXXX XXXX clearly stated they never received the transfer request, and that no one at XXXX XXXX was in the office to even consider a reversal on the day the reversal was made.
Consumer complaint received 2022-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (DE)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-08
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. (CA)

I have been trying to correct my credit report with this company for close to XXXX  years. They fail to properly respond to my request to investigate or provide documentation on why they are showing this to be a charge-off/collection account. Their lack of caring to properly report this account on my credit has caused me to lose job opportunities because of their careless actions. This company XXXX has been known in the past to report wrong information as well as take advantage of consumers buying cars through them.
Consumer complaint received 2022-01-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc. (FL)

Recently I was pre approved for a XXXX Payoff Loan I advised them I received my money through XXXX  and they advised me that I had 30 days total to upload the XXXX  Award Letter. I am currently still waiting on it as it should be delivered to my home any day. This was the only document that they needed. After the application was pending the last document I made them aware of the letter and they advised me that I had 30 days to get the letter to them. Today I signed in to upload the letter and they declined the application without all the documents. I called them to see if it could be reopened and they advised no.
Consumer complaint received 2022-04-08
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - XXXX and XXXX Bank 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 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Im unable to access my Equifax online and I cant lift my credit freeze Im getting a glitch error and I cant see my credit report or my score and they never fixed it or call me back and I need have this glitch fixed so I can access my credit report the freeze is still in place and I cant lift it..
Consumer complaint received 2022-04-08
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. (AL)

File Number XXXX received on XX/XX/22 Concerning the " XXXX XXXX XXXX XXXX XXXX loan '' account, You stated it came back " verified ''. That has nothing to do with the dispute where I provided you with the FCRA Laws you have violated. So again, you chose to ignore willfully, this is a criminal act which is another violation. I am making it clear that I am disputing YOU for furnishing this account that goes against federal law. Again, Pursuant to 15 U.S.C 1681a states " report containing information solely as to transactions or experiences between the consumer and the person making the report '' is to be excluded from my consumer report. That has nothing to do with if the account is verified or not, you are still breaking the law by furnishing this account. I demand that address this issue with the LAW and remove this alleged debt from my consumer report.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MN)

Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Consumer complaint received 2021-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

XX/XX/21 Received text message from XXXX : " FIFTH THIRD BANK : your ACH transfer of {$4100.00} will clear on XX/XX/21. Click here to approve or cancel it : XXXX  : XXXX
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (MA)

The XXXX XXXX XXXX  does not give me my refund and they did not resolve my issue as of today .they sold lies to me, They charged me based of misleading information given by their agent.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

Took out {$40.00} cash at the ATM thinking that there was only a {$1.00} fee charged by the ATM provider on XX/XX/23. Amex charged me {$10.00} fee and {$1.00} in interest. This is a 30 % interest rate and a 25 % fee for Amex. Definitely problematic.