davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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. 
U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX 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 # 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 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 2022-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Reported by XXXX, Transunion, and XXXX, I have numerous old student loans that should have been removed from account going back to XXXX I still have an old student loan on my credit report even though all of my loans were forgiven through the XXXX discharge program which Biden approved. My loans are being turned over to other account holders, and credit bureaus continue to resubmit them as if they are still active, closed, transferred, and delinquent. This is harming my credit score and have been for years. These loans should have been removed, but because they sell off to another account holder, the credit bureau engages in unfair reporting by renewing the date, thus adding it back onto my report. I have already contacted the credit bureau, and they refuse to delete these items. I also checked and they are still reporting old information about the discharges, and have not removed all of my loans. I recently received a XXXX point reduction because the credit bureau reported an electric bill as owed. The credit bureau is engaging in unfair practices buy relisting old debts that are paid, and i request them to remove them, and still they do not. Debts that were resolved, are still appearing on my report. I would like to have this investigated, and if possible look into if I can sue the credit bureau.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file, the items i need DELETED are listed in the report. I am a victiim of identity theft and it is damging my livlihood. I demand that you remove these items from my consumer report. I also reported the theft of my identity to the Federal Trade Commission & enclosed copies of the Federal Trade Commissions identity theft affivdavit. Remove these items immediatly or my attorney will be involed.
Consumer complaint received 2021-05-11
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Consumer Portfolio Services, Inc. (OH)

I have a simple interest auto loan with Consumer Portfolio Services. On XX/XX/21 they received a payment pf {$11000.00} and the are reporting my loan as delinquent because the payment was from a third part. With the payment of {$11000.00} this should've advanced my next pay 28.4 months.Instead Consumer Portfolio Services are reporting my account as delinquent.I 've been told that because the payment was from a third party it is their policy not to count the payment as being from me, which doesn't matter because the payment was made.
Consumer complaint received 2021-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

I recently received a Citi Advantage Card for traveling. Within the first week, I traveled to Cali, Oklahoma, Texas, and back to Florida, racked up a little over 11k. Paid it off, no problems using my card. Today, I purchased a {$4.00} coffee with the card in Florida, and I get hit with fraud alerts. They block my account. I literally got this card because I travel so much. I call them up, I give them my secret word, my address, my name, my social, my phone number, everything that a normal bank or cc company would ask to verify your identity. Then, she asks if she can send a text to my phone and I said sure. She puts me on hold, and then says, " I'm sorry sir, I can not text that number, do you have a landline or another cellphone number. '' Uhh what? I applied to Citi with my cell, everything I log in to Citi website, I use 2FA which send a text to my phone. Plus, how do you send a text to a landline? I said no, this is my only phone. Then she rudely asks if I have other credit cards, and to provide her with my cc number and bank to verify my identity. Ummm. Why would I do that? Why would I give someone who sounds like a stranger my credit card information from a different bank? How is that secure? What if she writes it down? I just don't get it. Then she said " Well then, I can't help you, but you will receive a letter in the mail within 10 days and you can call back. '' Wait, what? I have to wait 10 days to use my travel card, when I travel everyday? What is the point of this card? and how is this verification process legal? I just don't understand. I have about 15 cc accounts with many different banks such as XXXX, XXXX XXXX, XXXX, XXXX, XXXX, etc. and never had such an uncomfortable customer service experience, felt so unprofessional, and like she was fishing for information that is not in their system. That's not cool. It shows that anybody can spoof my identity through Citi. What if I lost my wallet? obviously there are other cards in there. What if a thief gave their own cell number after the rep said she can't verify with my number ON FILE? Makes absolutely no sense.
Consumer complaint received 2022-09-27
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. (OK)

According to 15 U.S.C 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file, the items i need DELETED are listed in the report. I am a victiim of identity theft and it is damging my livlihood. I demand that you remove these items from my consumer report. I also reported the theft of my identity to the Federal Trade Commission & enclosed copies of the Federal Trade Commissions identity theft affivdavit. Remove these items immediatly or my attorney will be involed.
Consumer complaint received 2022-01-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (PA)

I had XXXX back in XX/XX/2021 and I was out of work for 2 weeks because I was so XXXX. I was concerned about making that months payment ( since I did not have sick time left and my company did not offer any XXXX payments for being out XXXX ), so I called Flagstar bank and asked about a forbearance. I only wanted to skip that one months payment but they told me that the standard forbearance is 3 months but I could call anytime to start making payments. So far I have called 3 times to start making my payments and every time I am told that the paperwork is taking longer than expected to complete and that I can't continue making payments until I get this paperwork. Meanwhile, my past payment balance is up to {$15000.00} and there is no way I can come up with that amount all at once. I want to be able to at least make my regular payments while this so-called paperwork is being worked out to settle the past due amount. The website shows that this has been processing since XXXX. I am convinced they are doing this on purpose so that I lose the house. Please help!
Consumer complaint received 2021-08-27
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 was looking through my credit report and I noticed that there are a few addresses where I've never resided. My actual address is listed below and a great portion of the negative accounts I do not recognize as being mine. I haven't received any of these debts at my current address, therefore I conclude the debts to be fraud as it pertains to me. The addresses I see on my credit report are as follows ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX
Consumer complaint received 2021-08-27
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/21 an inquiry posted to my credit report via XXXX from Capital One. I did not apply for anything with Capital One. I called Capital One and spoke with four different people. These calls were made on XX/XX/21 between XXXX CST and XXXX CST. After no luck, I reached out to XXXX and placed a fraud alert on my credit report ( I was told that would span across all three bureaus ). I also reported the fraudulent credit inquiry from Capital One. 

I would like this activity to be investigated. I did not apply for anything with Capital One. 

Thank you
Consumer complaint received 2021-05-11
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)

I have sent several letters to Equifax about two bankruptcies that are reporting on my credit file in error. The last letter that I sent was XX/XX/2021. I have already contacted XXXX and XXXX about these errors. XXXX also did an investigation and contacted XXXX  and removed these errors that was placed on my file. Equifax is stating that they verified the information from XXXX and XXXX states that is incorrect information because they have not verified any information with Equifax. I will attach supporting documentation to my complaint. I would like these errors to be removed from my credit file that Equifax have for me immediately because it has damaged my credit profile and caused me trauma due to the incorrect and inaccurate information reporting on my file. I appreciate your prompt attention in this matter thank you.
Consumer complaint received 2023-06-20
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. (NY)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE (MN)

After dealing with Hunnington Bank on a Auto loan incorrect reporting to the credit bureus. Loan was Paid off in FULL XX/XX/XXXX of XXXX. They are marking XXXX of XXXX XXXX late even though I had spoke with multiple Reps on phone over weeks leading up to sale of truck that I was in process of selling truck and it would be paid in full. Truck was sold on XX/XX/XXXX I called Hunnington that day ( XX/XX/XXXX ) to ask if I should make XXXX payment being it would be 30 days on XX/XX/XXXX. Their response was it was not needed and they will make note of account to state vehicle had been sold and payoff was being sent. This didnt happen and 30 day late mark went on my credit EVEN though before it was reported as " late '' they recived full payment for the vehicle before they marked it as late, I got the alert around XX/XX/XXXX and by that time they had already had full payment for the truck. And the payment the are marking late is the last payment which was included in the Payoff. I was never late on any payments to them leading up to this, I kept in contact with them to make sure nothing would be marked late and even offered to make payment day of to avoid a 30 day. I was assured it would be noted on account that vehicle was paid off in full and assured no negative marks would happen. After speaking with them again and again I am told that those " cutomer services reps '' do not have the authority to make those calls. Well when I am told by a rep of their company the above how am i suppose to know I need to go to a different person that makes that decision when it was never offered to me. 

I have spoke to multiple people now at Hunnington Bank and they all tell me they agree with what happened wasnt right, but they cant change what was reported. 

Attached is a copy of the sale of Truck on XX/XX/XXXX For the XXXX XXXX XXXX They have also reported to the 2 bureaus incorrectly/different on what month. Than on XXXX shows paid as agreed XXXX it shows it was XXXX payment XXXX Shows XXXX XXXX Shows " Paid, Closed ; was Paid as agreed ''
Consumer complaint received 2022-03-28
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. (GA)

in accordance with the Fair Credit Reporting act 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 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-11
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. (CA)

I have sent several letters to the credit agency about this matter. There are two bankruptcies that are reporting on my credit report in error. The credit agency stated the information has been verified. I have reached out to XXXX and XXXX both and the information is an error I will attach a copy of supporting documents to this complaint. The last letter was sent on XX/XX/2021 to have these two errors resolved and removed from my credit report. It is not okay to run the letters through their e-Oscar system and not actually reach out to the appropriate parties to solve the problem. This has been such a devastating problem that has caused me so many problems. I would like this problem to be resolved immediately and be reflected on my credit record that they have for me. Thank you in advance for your time and understanding.
Consumer complaint received 2015-09-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ARVEST BANK GROUP, INC. (FL)

Once again Arvest mortgage aka central mortgage once again has tried to downplay the seriousness of my formal complaint and its attempting to deflect the seriousness of their misconduct and playing games and deceiving the Federal Government. I filed a complaint please see attached documents with cfpb. They have lied to you saying that they do not have the proper documents and paperwork which is a lie. I filed a complaint on XX/XX/2015. Case number XXXX I called you and told me to fill out another complaint wich I have case number XXXX. Please understand that they broke into my home change locks damage my front door and had several personal things stolen by there company and affiliates. Imagen and if you could put your self in my shoes. Another Lie is that they say Central mortgage is not a bank but it 's own by Arvest Bank. So they tell me that they do not have to follow Banking Laws. The thing is that what XXXX did with a gun this company doing with a pen. I thank you in advance XXXX XXXX
Consumer complaint received 2021-08-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (WA)

I have used USBank for ten years without much issue. In XX/XX/2021, USBank had enrolled me into an overdraft protection program which I never authorized. One time I was out traveling and forgot to put money in my checking account and my balance hit negative. I was unaware and kept using my debit card for small transactions like coffee. The majority of these transactions are below {$10.00} dollars. 

Instead of declining these charges, USBank charged me a series of Overdraft fees, each of them {$36.00} dollars. 

In the end, the total overdraft fees ended up being {$360.00} for over a couple of days. They waived 3 of them, bringing my loss down to {$250.00}. 

I complained to them that since I never signed up for overdraft protection so they should have just declined the transactions ( so I can use another card ) and not charged me these overdraft fees, to no avail. 

Talking to their customer service, they never offered an option to opt out of their overdraft " protection '' program. They offered some even more predatory protection options instead which I declined.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am a victim of Identity Theft. The following accounts were used unauthorized. 

I AM REQUESTING THAT THE FOLLOWING INQUIRIES BE REMOVED AS THEY ARE A RESULT OF IDENTITY THEFT PLEASSE HELP ME WITH GETTING THEM REMOVED PLEASE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was taken advantage of due to mild practice of several laws were being broken under FCRA by your company this cause financial PROMBLEM DEFORMATION OF CHARACTER I CAN NOT GET A JOB AND APPLY FOR CREDIT I CANT EVEN GET A SBA LOAN DUE TO THE PANDEMIC .UNDER THIS CRISIS YOU HAVE HURT MY ABILITY TO APPLY FIR CREDIT I ALSO HAVE PROOF WITH TRACKING NUMBER THAT THE COMPANY HAVE GOT TA MY LETTERS
Consumer complaint received 2015-05-29
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (CO)

I applied at XXXX in XXXX ar i traded my already paid off jeep liberty they were suppose to give me {$7000.00} for it in trade the vehicle i traded for was only supposed to be {$2000.00} more from that by the time papers were signed i had XXXX kids there for XXXX than when i went to the restroom they allowed a boyfriend to sign on my car i had no idea about it when i realized what happened i called the car lot and asked to void it all cause the price was n't what had been agreed on and his signature on my papers they said they already sold my car i was basically well lack of better words screwed. So i begin the ppayments i could n't afford than they allowed this guy to take my car and now want me to pay cause he hasnt