davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (PA)

I am going through a divorce, and I am required by law to provide 5 years of credit statements to my husbands lawyer. The divorce is dragging out & getting difficult, and I can not afford to make my minimum payments anymore. I explained this to them right away, and apologized to them a lot. I then explained what I needed to do, 5 years of monthly credit statements ending on XXXX XXXX 2016. The date I called wasXX/XX/XXXX at XXXX XXXX, ( XXXX ) XXXX, the call lasted 50 minutes & 6 seconds ( it 's on my phone ). I was bounced around between 5-6 people, the last one a supervisor, who was very condescending in her tone & attitude towards me. My divorce lawyer clearly explained to me by law the creditor is required to provide me this information. The women who I spoke to, and was suppose to be a supervisor actually said to me I had to provide her with a subpoena for that information! I asked her how was I to serve them from a county court in PA, when I had no idea of their address, or where they were?!! She also did not proved me that information. I had a court hearing in a very short time from then that day, they were the only creditor who refused my request! I had been on my phone forever, was clearly upset & desperate, I begged them over & over for help & compassion, that woman said she 'd put me on hold to help me, after 14 minutes, I had to hang up, so I would n't be late for court. I was so stress out that later on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!
Consumer complaint received 2017-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: J&L Collection Services (CA)

This company placed a collection account on my credit that does not belong to me. I was in the middle of financing when the debt appeared on my credit. I have sent them certified letters and i have been ignored. The account name and number is J & S Collection Account Number XXXX
Consumer complaint received 2022-05-05
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. (TN)

My name is XXXX XXXX and I am filing a complaint against Experian and XXXX XXXX XXXX XXXX XXXX. Two inquires ( listed below ) were placed on my consumer report without my consent. I filed an FTC report ( # XXXX ) and sent Experian a letter demanding they remove the inquiries dated XXXX XXXX, XXXX. Still as of today the XXXX of XX/XX/XXXX. Approximately 2 months after the initial letter was sent, the inquires are still on my consumer report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Pursuant to 15 U.S.C 6802 ( a ) NOTICE REQUIREMENT Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Pursuant to 15 U.S.C ( b ) ( 1 ) ( A ) ( B ) ( C ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was not given this diclouser to opt-out, and I am demanding Experian remove the above inquires from my consumer report, IMMEDIATELY.

Attachments : the cover letter FTC report Screenshot of inquiries on my consumer report Green receipt from Experian copy of utility bill I suggest Experian remove these inquiries from my consumer report before I take legal action.
Consumer complaint received 2022-05-05
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. (MD)

So I sent a letter off XX/XX/2022 to remove personal information off my credit report that I no longer want on my credit report. According to Fair Credit reporting act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is supposed to share my information with a third party. 

These are clear violations of my federally protected rights.
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION (FL)

Lol I have a slim trust bank account and a suntrust credit card. Suntrust was automatically automatically taking out the balance mode on my credit card from my bank account and paying my suntrust credit card even if I didn't have the balance in the bank account. I did not authorize these transactions this happened on 4 separate occasions this has been detailed in a previous CFP B complaint. Now now, I'm being charged interest on these unauthorized hes unauthorized overdraft Charges that completely resulted from suntrust taking money out of my bank account to completely pay off my credit card balance whenever I would make a purchase on my suntrust credit card. They were doing this without my authorization or permission. Then then after they would drain my bank account to pay off the credit card they would charge me an overdraft fee. Now they're charging me interest on these 4 overdraft fees as well is as well. The credit card has a {$200.00} balance it's supposed to be 0 % interest and none of these overdrafts should have happened in the 1st place because it was suntrust taking it money out of my account that I did not have without my authorization to pay {$10.00} charges on my credit card every time it was used
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

Yesterday, a man attempted to contact me by calling my brother. 

I called this person.. He says that he is attempting to collect a debt. He said that he has sent mail to my home repeatedly regarding a debt I owe to HSBC bank from an account held 2009. I never received this mail. 

The man told me that if I don't pay him {$500.00} by the end of the business day toward a balance of about {$1500.00}, he would subpoena me at my job. He said that in the event that I do not pay, my debt would increase to about {$5000.00}, I would have a ding on my credit score, and I would receive a subpoena at my job this Monday. 

My court date he said will be XX/XX/XXXX. 

I have not received a summons or any mail from HSBC.

I contacted my credit bureau and there hasn't been any sign off from HSBC.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2017-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (ME)

XX/XX/XXXX began with FedLoans as my servicer. Contacted company multiple times to get information on when my monthly payment amount and qualifying payments would be determined. Was informed I needed to wait until XX/XX/XXXX to recertify unless I wanted my monthly payments to go up significantly.XX/XX/XXXX payment tracking began and my calculated qualifying payments were determined to be XXXX. This is half of what I have actually paid. FedLoans said I still had payments that were not figured into this and would be added in at a later date.
XX/XX/XXXX I began the recertification process to switch from IBR to REPAYE. The company gave me the option of paying a single payment on the standard repayment plan ( approximately {$3000.00} a month ) or a {$5.00} forbearance that also qualified. I paid the {$5.00} fee to recertify. A month later I received a bill for just under {$3000.00}.
XX/XX/XXXX I called the company back and they admitted they saw the {$5.00} I paid, but that it was never applied to anything. I again paid {$5.00} and was reassured that this time it would be done correctly and that the recertification would move forward. Almost two months later, I again received a bill for nearly {$3000.00} under the standard repayment plan which is not what I enrolled in.
on or around XX/XX/XXXX I called to find out why I was on the standard repayment plan. I was told that the XXXX $ forbearance request had never been processed and that it would now be processed. I was then told that I could not request another month of forbearance because it would ( somehow ) interfere with the processing of the {$5.00} fee. When I informed the representative I can not afford a {$3000.00} a month payment, she said not to worry because the credit agency is not notified of delinquency until 90 days of nonpayment. This to me is unacceptable.
During this entire period I have been accruing massive amounts of interest on my loans that capitalizes. Every time I call I get different information, and the person I talk to is quick to tell me that whoever I spoke with before had given me wrong information. I was also told it can take up to 90 days to process my recertification. I am now on month 5. All the while accruing about {$1000.00} in interest each month. I am on the verge of seeking legal action.
The purpose of doing this program was to have my loan balance forgiven after 10 years. With a monthly payment of almost {$3000.00}, I would have my entire balance paid in LESS than 10 years, so you can see that it makes NO SENSE to even switch to fedloans or do PSLF if I had the ability to make such payments.
Consumer complaint received 2017-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (GA)

I applied for a Shell Account after numerous threats from the Company about applying for a credit card. I have to wait for the XXXX card. Please help me! I am being held XXXX by the XXXX
Consumer complaint received 2015-10-21
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I paid the car in FULL in XXXX 2012. This should NOT be on my credit reports! It was stated on my report that " PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE. '' I have contacted the company for THREE years with no response!!
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I do not recognize these credit Inquiries and I have asked for them to be removed and the bureaus did not do as I asked. 
I am going to tell them that I am providing an identity theft report which I will attach to this and I am requesting them to be removed because they are inaccurate and not mine.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

EXPERIAN AND XXXX BOTH UPDATED MY REPORT AS THEY ARE REPORTING INACCURATE AND NOT 100 % CORRECT INFORMATION ON MY CREDIT REPORT I HAVE REACHED OUT TO THE COLLECTION COMPANY FOR A LETTER STATING WHAT THEY SAY I OWE AND THE AMOUNT THEY CLAIM AND THE AMOUNT THE CREDIT BUREAUS ARE REPORTING ARE NOT 100 % CORRECT AND ACCURATE
Consumer complaint received 2022-05-05
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: NAVY FEDERAL CREDIT UNION (PA)

I was made aware that my identity was stolen towards the end of XXXX. I was made aware and contacted Navy Federal Credit union in XXXX that there were was a check/savings account opened and a credit card in my name with them. Since then, they closed the accounts but are still reporting the credit card as unpaid and it is financially hurting my credit and i am unable to be approved for a mortgage/ other credit because of this issue. I called in XXXX and they said they still are working on it. It should not take 4 months to get this resolved. ( I had a XXXX XXXX opened in my name because of this identity theft and that was already resolved ). In XXXX i sent them an email with my police report and ID 's so they can validate it was not me and still did not hear anything.
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. (AZ)

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiry reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiry and accounts that I am disputing : XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$260.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6300.00} XXXXXXXX XXXX  XXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$11000.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} US SM BUS ADMIN ODA Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA, FDCPA and HIPAA laws and regulations. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-05-05
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: Atlanticus Services Corporation (VA)

In accordance with the fair credit Reporting act XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-05
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: JPMORGAN CHASE & CO. (VA)

In accordance with the fair credit Reporting act XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-05
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. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA, FDCPA and HIPAA laws and regulations. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One CC department and I have had on going issues throughout XX/XX/XXXX to current. With the ability to snoop cell phones, Capital One does have my phone on " tap '' and I don't know by whom. Over the past two months any online purchases/payments that I attempt to make have been rejected forcing me to go to the merchants. According to the " merchant sites '' my card is rejected. 
1st incident is with XXXX XXXX in XX/XX/XXXX when I attempted to make a payment online. Rejected. Forced to drive, using my gas and time in order to complete my payment. 
2nd incident is paying for gas. Rejected at the pump. I used the app, turned on the card. Card rejected again. Called the CS dept. They had to turn it on because the app malfunctioned. XX/XX/XXXX to JXX/XX/XXXX 3rd incident is purchasing my school book for college. Rejected by merchants site, which worked in XX/XX/XXXX, due to billing address is " XXXX XXXX XXXX and I was forced to take off wirk , drive 4 hours from XXXX to XXXX in order to purchase the required materials for college because suddenly my card isn't capable to function. 
I spoke to representatives all day XX/XX/XXXX regarding the issue, accepting their excuse of blame shifting the issue to the merchant. 
And this evening I reviewed my credit report, XXXX, and Capital One Credit Card company 1.  Closed my card account ( by report only ) 2. Made false dispute claims 3. Has the exact same card open status. The closed & open account are the same, and the online transactions are matching with the closed report that was reported to XX/XX/XXXX, which explains the rejected transactions, that 'Capital One ' claims they have no record of, " On their end. '' I'm tired of their games. And I'm not closing my accounts so they can force me to have lower credit scores due to credit history of account length of time. This is a strategic game of Credit Score Manipulation. Length of Time for credit cards are a factor in calculating a credit score. I've trusted the bank over the years until XX/XX/XXXX since I discovered they use the snooping apps to listen in on consumers phones. And since I've confronted these issues, they are retaliating and causing me to lose time, money, hours at work, embarrassing moments with merchants and always forcing me to speak with Customer Service in the XXXX. I always have to Request a Transfer to USA Representatives. Always! 
I'm at a point now where I can fight 100 %. Please help. I've done nothing to deserve this treatment. Thank you.
Consumer complaint received 2022-05-05
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Multiple addresses that are incorrect are reporting on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2017-09-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (TX)

I reviewed my credit report in XXXX XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to Commonwealth Financial. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. They claim I owe them {$510.00}, this account appear that the amount includes fees or interest. This letter was sent XXXX XXXX, XXXX and I have not received a response to date.
Consumer complaint received 2022-05-05
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. (FL)

XXXX AND TRANSUNION BOTH UPDATED MY REPORT AS THEY ARE REPORTING INACCURATE AND NOT 100 % CORRECT INFORMATION ON MY CREDIT REPORT I HAVE REACHED OUT TO THE COLLECTION COMPANY FOR A LETTER STATING WHAT THEY SAY I OWE AND THE AMOUNT THEY CLAIM AND THE AMOUNT THE CREDIT BUREAUS ARE REPORTING ARE NOT 100 % CORRECT AND ACCURATE
Consumer complaint received 2022-02-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Social Finance, Inc. (PA)

Despite numerous phone

calls SoFi Technologies , Inc. " SoFi '' instructing them to apply extra payments to the principal balance ONLY, while paying my monthly payment, SoFi refuses to apply the extra loan payments to the principal balance. The payments are applied in different manners, some towards principal, some towards interest. One extra paym
ent was applied towards principal ; then another just towards interest. No rhyme or reason on how the extra payments are applied. Who in their right mind would pre-pay interest?

We called multiple times and are told someone will call us back and they never do.

Predatory and deceptive leading practices.