davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-10
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: EQUIFAX, INC. (SC)

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need this item deleted from my report. I'm working on this all on my own XXXX. I saw some inquiries too XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. I have contacted my local police and the FTC.
Consumer complaint received 2022-08-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I closed on a HELOC with Suntrust bank. At the time of closing, Suntrust was advertising that they would pay all closing costs associated with the loan. In the event that the home was sold or the loan was closed within 3 years, I would then be responsible for paying {$2300.00} at the time the loan was closed. I was told though, that as long as I took out a new heloc within 6 months, those closing costs would be refunded to me. 

During this time, Suntrust was currently merging with BB & T and would soon become Truist bank. According to the disclosure I received at the time of closing, it stated - " Effective on the date of the merger, any agreement, disclosure, form or instrument naming SunTrust as a part, constitutes a valid and binding obligation with Truist Bank even though the documents referenced Suntrust as the party in interest. The documents shall be read with Truist Bank in place of suntrust. The terms and conditions of any agreement, disclosure, form or instrument shall remain in effect unless modified or amended in accordance with any such provision contained therein. '' In XX/XX/XXXX I sold my home. At the time of the sale I went into a Truist branch and spoke the the Vice president XXXX XXXX. She confirmed that once I closed the Heloc I was going to pay the closing cost, but they would be refunded as long as I opened a new heloc within 6 months. 

I attempted to open a new Heloc through Truist one month after I closed the previous one and was told that because they are no longer Suntrust, they will not be honoring the refunded closing cost. I spoke to XXXX XXXX again and she said after doing more research, they would no longer honor Suntrusts initial agreement. 

I would like to file a formal compaint against Truist bank for not honoring the refund of my closing costs in the amount of {$2300.00}.
Consumer complaint received 2022-08-29
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

CAPITAL ONE XXXX has violated my rights to privacy 15 USC 1681 section 602 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 written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (PA)

i have a payment date of the XXXX each month and i get paid at the end or the first so i call them to make sure im not late. they usually say ok. but i lost my phone and could not call in XXXX. im literally XXXX hours late in XXXX. ive never missed a payment but i have XXXX $ worth of fees. they told me i paid XXXX instead of XXXX so i get a late fee for that too. i was never told on previous calls and they said they remove late fees after payment is made.
Consumer complaint received 2022-02-24
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent multiple requests to request removal of the attached information from my credit report due to inaccuracy of reporting. Every response received states they have INVESTIGATED and VERIFIED the file as accurate. How is this possible when the consumer is the only one is able to verify this? As stated on my credit report, it shows all 3 credit bureaus reporting different information, not to mention, they never sent proof of how this information was verified, but states that it's accurate. 

I am attaching the latest request sent along with their response.
Consumer complaint received 2022-08-29
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. (NJ)

I HAVE SEVERAL TIMES DISPUTED THIS ITEM LISTED AS A REPOSSESSION ON MY CREDIT AND THIS COMPANY HAS DONE NOTHING TO INVESTIGATE WHO OBTAINED THIS LOAN UNDER MY NAME. I HAVE NEVER OPENED AN AUTO LOAN WITH XXXX XXXX XXXX XXXX AND IN FACT WAS XXXX  AT THE TIME THE LOAN WAS OBTAINED. ALL THE COMPANY DOES IS RESPOND THAT MY INFORMATION WAS CORRECT USED FOR THE PURPOSE OF OBTAINING THE LOAN WHEN IM TELLING THEM IT WAS IN FACT NOT ME WHO DID IT. I NEED THIS TO BE RESOLVED IMMEDIATELY. I ALSO HAVE TRIED TO CONTACT THE ALLEGED DEALERSHIP WHERE VEHICLE WAS OBTAINED AND HAVE NOT EVER RECIEVED A RESPONSE OF ANY KIND.
Consumer complaint received 2022-08-29
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. (NJ)

I HAVE SEVERAL TIMES DISPUTED THIS ITEM LISTED AS A REPOSSESSION ON MY CREDIT AND THIS COMPANY HAS DONE NOTHING TO INVESTIGATE WHO OBTAINED THIS LOAN UNDER MY NAME. I HAVE NEVER OPENED AN AUTO LOAN WITH XXXX XXXX XXXX XXXX AND IN FACT WAS XXXX AT THE TIME THE LOAN WAS OBTAINED. ALL THE COMPANY DOES IS RESPOND THAT MY INFORMATION WAS CORRECT USED FOR THE PURPOSE OF OBTAINING THE LOAN WHEN IM TELLING THEM IT WAS IN FACT NOT ME WHO DID IT. I NEED THIS TO BE RESOLVED IMMEDIATELY. I ALSO HAVE TRIED TO CONTACT THE ALLEGED DEALERSHIP WHERE VEHICLE WAS OBTAINED AND HAVE NOT EVER RECIEVED A RESPONSE OF ANY KIND.
Consumer complaint received 2022-02-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I HAVE BEEN UNABLE TO GET A HOME OR VEHICLE DO TO INCORRECT REPORTING ON THE BUREAUS PART. I HAVE NOTIFIED THEM OF WRONG INFORMATION. THE RESULT OF INVESTIGATION HAS YET TO BE DISCOVERED. I HAVE RECEIVED NO PHYSICAL DOCUMENTS TO VALIDATE ACCOUNTS.
Consumer complaint received 2022-02-24
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: Experian Information Solutions Inc. (GA)

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. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2018-07-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (IL)

YESTERDAY MORNING ABOUT XXXX OR XXXX XXXX ON XX/XX/18 I VIEWED MY ACCOUNT AND WITH ALL PENDING ITEMS I WAS XXXX PLUS DOLLARS SHORT/NEGATIVE. SO I TRANSFERRED XXXX DOLLARS TO AVOID THE FEE. GUESS WHAT I GOT IT ANY WAYS. I HAD NO OTHER PENDING ITEMS FOR THAT DAY, BUT LATER ( XXXX ) THAT DAY I BOUGHT MY SON WATER WHICH WAS AFTER I HAD TRANSFERRED THE XXXX IT LEFT ME WITH XXXX DOLLAR AND SOME CHANGE. WHICH IT ALLOWED THAT TRANSACTION TO GO THRU FOR THE WATER. HERE IS THE PROBLEM NOT ALL OF THEIR ONLINE AND APP SHOW THE CORRECT INFORMATION AND NEITHER THEIR SYSTEM AS WELL .THEIR SYSTEM GIVES THE BANK EMPLOYEE A BETTER VIEW OF THE ACCOUNT WHERE AS THE CONSUMERS VIEW A MUCH MORE DIFFERENT AND HARD TO UNDERSTAND VERSION ONLINE OR THRU THE MOBILE APP. SO BEFORE I WENT TO BED MY ACCOUNT WAS OKAY UNTIL ALL THE ITEMS POST AND THEN IT SAID THAT I WAS XXXX DOLLARS AND SOME CHANGE NEGATIVE BY THE END OF THEIR BUSINESS DAY AND IT WAS SHOWING ME THE XXXX DOLLARS AND SOME CHANGE BY THE END OF THE BUSINESS DAY MINUS THE XXXX AND SOME CHANGE PURCHASE OF WATER. I DID A CHAT VIA INTERNET AND SPOKE WITH XXXX AND SHE WASN'T NO HELP
Consumer complaint received 2017-08-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

I am one of many young Americans who are in great school debt. I can not get ahead in life due to my debt. My payments are too high, I even went to a state school. Navient will not and never has offered an income based repayment plan. My federal government loan through XXXX has, but it is my smallest loan. My credit is ruined, I can not afford a new car for my XXXX son to ride safely in. On top of this all I am harassed daily by Navient. I made it clear I can not afford what they want from me while trying to pay for necessities to live.
Consumer complaint received 2022-08-29
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. (MI)

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 I had written to the company XXXX XXXX XXXX  and the bureaus on numerous occasions but to no avail have they complied with the FCRA and provided me with the proper information. I also have written to the bankruptcy court and they sent a letter stating that they don't report to the bureaus and I sent the letter to all three bureaus and they still are reporting on my reports. 
15 USC 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 U.S. Code 1692- Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices by manydebtcollectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 
No proper investigation has taken place per 15 USC 1681a ( e ) investigative consumer report ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2022-08-29
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. (IL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. My cellular phone was hacked, someone accessed my online accounts and these fraudulent inquiries were made. I contacted the police department and obtained a police report # XXXX which is attached. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently had a background check for a new job. When I had an interview with the investigator she said that I had some debt that showed up on my credit report. I was unsure why this was so. She recommended I go to XXXX XXXX to check where the debt originated. When I was with her she said I originally owed {$350.00}, but now owed {$93.00}. When I checked out XXXX XXXX  it said I owed {$350.00} to one group and {$93.00} to another group. I tried tracking down the {$93.00} debt, but when I tried looking up the original creditor online it was no longer in service. I tried looking up the other company and got transferred to various people all with different account numbers for the service and different amounts for the debt. I have been scammed and had my identities stolen in the past, so all of this seemed a little worrisome for me.
Consumer complaint received 2022-04-11
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)

Im accordance with the fair credit reporting act XXXX  account numbers XXXX, XXXX, XXXX, XXXX violated my rights. 15 U.S.C 1681 602 A, states I have the RIGHT to privacy.. 15 U.S.C 1681 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge 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 (FL)

In XXXX XXXX my bill did not reflect that payment from XXXX XXXX and had charges I did not make. I called PayPal and explained. At that time, they closed my existing account and started a new credit acct number due to the fraudulent charges. The balance from my old account was {$3400.00}. Which was moved over to my new PayPal account on my XXXX XXXX statement. On that new account, PayPal ( statement XX/XX/XXXX ) gave me a temporary credit for the {$2900.00} check I had sent by mail in XXXX XXXX while they investigated where it went. Which left me with an acct. balance of {$420.00}. 
When my XX/XX/XXXX, PayPal account statement came in the mail, under the section purchases and adjustments there was XXXX charge to XXXX XXXX  I had made ( {$84.00} ) and PayPal had charged {$2900.00} as a payment correction dated XX/XX/XXXX and an additional payment correction charge of {$2900.00} also on XX/XX/XXXX. Which brought my account balance to {$6200.00}. 
I have called PayPal many times to sort out the over charge of {$2900.00}. No one understands what I am saying. If you look at my previous balance on my original credit card from PayPal I only owed {$3400.00}. I only had XXXX charge from a purchase of {$84.00}. That does not add up to {$6200.00}. UNLESS you take into consideration, I was double ( XXXX ) charged for the original payment investigation credit of {$2900.00}. 
I made a complaint and was told I was wrong. On my next statement XX/XX/XXXX I was credited {$2900.00} and charged {$2900.00} on the same statement. Together they cancel each other out on that statement. That still leaves PayPal needing to remove the additional charge of the {$2900.00} from the XX/XX/XXXX statement.
Consumer complaint received 2022-08-29
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: Santander Consumer USA Holdings Inc. (NJ)

I HAVE SEVERAL TIMES DISPUTED THIS ITEM LISTED AS A REPOSSESSION ON MY CREDIT AND THIS COMPANY HAS DONE NOTHING TO INVESTIGATE WHO OBTAINED THIS LOAN UNDER MY NAME. I HAVE NEVER OPENED AN AUTO LOAN WITH SANTANDER BANK IN XXXX AND IN FACT WAS IXXXX AT THE TIME THE LOAN WAS OBTAINED. ALL THE COMPANY DOES IS RESPOND THAT MY INFORMATION WAS CORRECT USED FOR THE PURPOSE OF OBTAINING THE LOAN WHEN IM TELLING THEM IT WAS IN FACT NOT ME WHO DID IT. I NEED THIS TO BE RESOLVED IMMEDIATELY. I ALSO HAVE TRIED TO CONTACT THE ALLEGED DEALERSHIP WHERE VEHICLE WAS OBTAINED AND HAVE NOT EVER RECIEVED A RESPONSE OF ANY KIND.
Consumer complaint received 2022-08-29
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. (CA)

On XX/XX/XXXX I submitted a complaint to Equifax in reference to XXXX XXXX  not reporting information correctly on my credit report. 

Prior to the current complaint, I contacted Equifax via mail about the inaccuracies on my credit report, however, I did not receive a response. I requested that Equifax, verify the account and perform an investigation per the FCRA. 

On XX/XX/XXXX Equifax completed their investigation and verified that the account is accurate and being reported correctly. HOWEVER, upon looking over my credit report, it is very clear that the investigation that was performed was not done so in a through manner. There are Discrepancies between my Equifax and my XXXX reports. The late payment dates are inaccurate. 

These findings indicate that a through investigation was not conducted. I would like to view the detailed information regarding the steps and procedures on how this investigation was initiated.
Consumer complaint received 2018-07-11
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. (TX)

XXXX XXXX XXXX, i am reporting Experian for reporting incorrect information because i have disputed XXXX XXXX several times and they stating the company is verifiable my account, so i called XXXX XXXX  again for the 6 x and a supervisor told me that my account is sold and they no longer have my account and that they have not been reporting to the credit bureau because they do not own that account no more, i ask why are they still showing on my credit they told me that i will have to dispute it with the credit bureau because they dont report on accounts they have sold to other companies that they no longer own
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I mailed a certified Letter to Transunion Credit Bureau, that was received XX/XX/XXXX by the Bureau. The Letter expressed that I have several unidentifiable hard inquires on my report that was not requested by me. Also attached to the letter was a copy of my credit report, Police report, as well as my Social security number. On XX/XX/XXXX, I received a letter from Transunion stating that my info was received but didn't appear that me or a properly authorized third party sent the letter. XX/XX/XXXX I called Transunion via phone to prove my Identity, but the call fell on death ears. I was referred to send another police report. I Just pray this situation is handled its really taken a toll on my life. Below Have provided the dates and hard inquires. 

Factual Data XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (TN)

I received a 0 % interest offer for a 15 month period. I applied requesting several balance transfers equating to over {$10000.00}. It was denied but I was given a {$1000.00}. credit card line of credit. 

I thought that was the end of it but then received a letter from Wells Fargo stating they had initiated a {$650.00} transfer. This is not what I requested and is not helpful. The intent with the balance transfers was to reduce my payments each month, not add another. By completing a partial balance transfer it has resulted in another payment and has only reduced a balance slightly. I did not approve nor do I want this transaction. Partial balance transfers are not helpful. 

In addition they charged a {$19.00} fee to conduct the transfer. 

My attempt to resolve their error was refuted stating it is complete. 

I did not approve a partial transfer. They are unwilling to correct their error so I am seeking outside arbitration for resolution. 

Thank you