davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: ASSOCIATED BANC-CORP (WI)

I had a 3 year note with Associated Bank ( AB ) ending on XX/XX/2018 with a 2 % prepayment penalty clause. When XX/XX/2018 came we had the Note renewed for a 5 year term. The prepayment penalty ( pp ) on the second note was structured differently. 5 % pp if the note was paid in full in the first year and 4 % pp if the loan was paid in full in the second year and so on. 

All I knew before signing the note was the interest rate and the duration of the note.My complain with AB is that I saw the note for the firsts time the day we signed the papers. The AB employee briefly " explained '' each page before flipping them over. very poor mentioning of the prepayment penalty on a 35 page document on a half and hour meeting. I do accept responsibility for not thoroughly reading 35 pages in a half and hour meeting, but I think AB should take responsibility for not explaining well to clients important details of the documentation and for not giving clients ample time to see the documents before signing. 

Another issue I have with AB is that they changed the pp from 2 % for the entire 3 years on the first note to 5 % if the note was paid on or before the first year of the 5 year loan, 4 % if the loan was paid on or before the second year, 3 % pp if the loan was paid on or before third year, 2 % pp if the loan was paid on or before fourth year 2 and 1 % if the loan was paid on or before fifth year. 
We sold the property less than a year after we signed the second loan and we were charged the 5 % pp. 
I tried to work with them to possibly charge me 2 %, much like the first note as the pp was very hefty, but they declined to keep some responsibility for explaining the note terms adequately at the signing. 
I am aware of the brutal " goals '' they impose on their employees which in turn their employees either are dishonest with clients or do not take the proper time needed to serve the clients properly. I call AB on shady banking practices and on very poor customer service.
Consumer complaint received 2018-11-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter to the credit bureaus on XX/XX/XXXX. In my letter, I identified 5 accounts that were reporting erroneous information, and asked the credit bureaus to correct those items. It is my understanding that the credit bureaus are required to investigate the disputed accounts and respond with the results inside of 30 days. I have not received a response from any of them. Today is XX/XX/XXXX, and that is 40 days since my letters were mailed. I am going to attach a copy of the letter that was sent to them.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hi, my name is XXXX XXXX. I have a capital one platinum card with this company and been with capital one for a year. I had filed XXXX disputes XXXX dated back in XXXX. I was given a credit for {$75.00} I stated the service was not done properly. The acrylic nails were falling off a week later. That dispute was reversed on XX/XX/XXXX. I also seen a charge for {$82.00} that I didn't authorize. Because I specifically told the company dish to not charge my card they stated they dont keep the card on file which they lied because i woke up to a email stating a charge for {$82.00} was charged which that was a few weeks after. So A few days ago i was given a credit and then I get a email stating the charge will be reversed as of XX/XX/XXXX and now this has brought my credit over the limit. I have filed this complaint against capital one because no customer should be responsible for unauthorized charges, and XXXX for not good quality work done by a merchant involving the nail salon.
Consumer complaint received 2022-07-12
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX all have 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 an account without my written instructions Equifax Credit bureau stated my account was properly investigated and accurate but how is that possible if the Date Open is inaccurate, Last reported is inaccurate, Date of Last Activity is inaccurate, missing data and in some cases a Charge-off reporting a balance. Are they not practicing XXXX XXXX Compliance? This is a clear FCRA violation and is grounds for deletion. 
They are not 100 % accurate, for the past 3 years I have asked several times to provide the information below and they refuse. The law states they have 30 days to respond not years!!! 
XXXX. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and collections ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow the collections to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Consumer complaint received 2022-06-18
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. (TX)

These hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (IL)

I had a Simple account that got transitioned over to BBVA. I can not access my account online and their customer service is atrocious. I was on hold for 30 minutes and ended up getting hung up on. Tried again and have been on hold for two hours with no end in sight.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

To Whom It May Concern I have recently been informed that there is negative information reported by United States Bankruptcy Court, in the file they maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing XXXX XXXX  Bankruptcy & XXXX XXXX  Bankruptcy in XX/XX/XXXX & XX/XX/XXXX I challenge the accuracy, compliance and reportability of this listing and I ask for any documents bearing my signature. They all responded back saying they received this information from the United States Bankruptcy Court. So I then sent a letter to United States Bankruptcy Court asking them why they sent this information to the credit bureau. The United States Bankruptcy Court responded back saying, The bankruptcy court does not report or transmit bankruptcy court records or any other information directly to the " Credit Reporting Agencies ''. I am just a little confused why the credit reporting agencies lied for.
Consumer complaint received 2022-04-01
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  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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have two inquiries from XXXX XXXX I do not know about - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-23
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. (GA)

I purchased a XXXX XXXXXXXX in XXXX. 
I ended up XXXX XXXX XXXXXXXX and fell in to a position to where I could not pay as I waited for my XXXX pay. It was repossessed due to my inability to work. 
This loan has been reported as closed for a few years now and every so often it is reporting as a new loan. The dates keep resetting and statute of limitations is XX/XX/XXXX. 
I would like this handled as it keeps ruining my credit reports after 3 times of repairing it. 
As a XXXX XXXX XXXXXXXX Veteran I am asking for relief for this loan.
Consumer complaint received 2022-07-12
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. (FL)

The credit bureaus stated my account received a properly investigation of my disputes but how is that possible if the open date is inaccurate the date last active is inaccurate and the date last reported is not accurate. This ground for removal they also violated my rights under : 15USC 1681 SECTION 602SA ; STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 : STATES A CONSUMER REPORTIONG AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS According to 15USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want {$1000.00} per violation
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I offer to pay my bill twice and I wasn't accepted each time. XX/XX/XXXX was the first go-around for either XXXX or XXXX one of the two, once I saw the payment didn't go through I got nervous so I paid the min balance to make sure that I keep up with the perfect payment history. The 2nd time I tried to pay was on XX/XX/XXXX for XXXX dollars and my payment wasn't accepted again. I gave handwritten instructions on what I wanted the company to do with my bill. I also gave notice to the company of the time of illegal activity that I finally notice that was taking place. Then I also sent a conditional acceptance letter that was an ignored completely
Consumer complaint received 2022-07-12
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)

I received an email from Experian " screenshot attached '' for which I followed the links and viewed the changes to the report. However, they continued to leave names I have never been known by and I proceeded to click the dispute buttons and proceed to dispute 6 names I am not known by, then it tells me the disputes are not sent " See Screenshot '' and asked that I call a phone number so they can help you. I have tried endlessly to speak to a live person but their " BOT '' always says, no representative is available how can I help you '' and of course, it eventually hangs up on me. I have submitted my Driver license as proof of my identity, my address, and my name, and apparently, that is not good enough either. I have attached a copy of my driver license as well. 

This has now gotten into what I believe is Pure Harassment and Abuse. 

I received a phone call yesterday from a company that states that the Credit Bureau provided my personal information to them and I do have that on a recording. I have spent well over a year telling them to quit selling or giving my information out to companies to call me, as I am on the " Do Not Call List '' and they just continue to do so. I believe this is where the Identity Theft Originated From, as several companies have indicated this scenario and two have been confirmed to be Scammers. 

I personally tracked down one large group of Student Loan Scammers and Have ALL of their information. Ironically that group has an account with Experian enabling them to run credit reports on people ( I have valid proof on that too ). 

I had to remove all of the XXXX  accounts from Experian due to the fear that my information has been provided to more scammers than I am currently aware of. 

I recently started the process of a USDA Direct Home Loan and as a result of all of Experian 's Games with my credit score and refusal to fix the inconsistencies on my credit report, I may be denied that opportunity. I had a score and now I don't.
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Incorrect inquires on TransUnion credit report. Customer service would not help and take care of the negative inquiries reporting to your credit report. XXXX XXXX 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 2023-03-23
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. (GA)

XXXX XXXX, XXXX, TransUnion, and XXXX have all failed to help correct the inaccuracies in my consumer report. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I will attach all three different accounts that is reporting inaccurate information on the XXXX XXXX XXXXXXXX XXXX If you can fix the information please do so if you can not figure out why all three Reporting agencies are furnishing inaccurate information YOU SHALL DELETE/REMOVE THE XXXXXXXX XXXX ACCOUNT ON ALL THREE CONSUMER REPORTS.
Consumer complaint received 2022-07-12
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. (OR)

On XX/XX/22 I obtained my credit reports from XXXX, Transunion, and XXXX and these 3 companies are continuing to illegally furnished incorrect and inaccurate data on my credit reports for XXXX XXXX ACCT ( ACCT # XXXX ) and a XXXX XXXX acct that has not been validated and/or verified. After asking numerous times for validation of these debts and if I did in fact give authorization to these companies to legally use my personal information according to the FCRA no legal remedy has been made. They continually use my personal information without my consent I want it to stop immediately.
Consumer complaint received 2022-07-12
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: S & S Recovery, Inc. (FL)

S & S Recovery has violated my rights. I am aware of all rights that I have, and which are protected by Congress under the FCRA and FDCPA. I still have not received any communication from S & S Recovery on how to dispute this matter in their office. The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 US Code 1692g ( b ) and 15 USC 1681.

S & S Recovery you have completed your investigation and while under an active dispute process you did not cease reporting 15 US Code 1692g ( b ) but have sold it to other reporting agencies, including XXXX, XXXX, and XXXX, and have requested for the account to be updated to reflect S & S Recovery ( alleged findings ) I did not grant S & S Recovery permissible purpose to obtain the information and report it. 

I have additional questions pertaining to Your investigation? Did you talk to my neighbors, friends, and family? If so, I have a right to the investigation report. so please inform me with whom you completed the investigation. Also according to FCRA, you have violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : S & S Recovery Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation
Consumer complaint received 2022-04-01
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. (PA)

In accordance with the Fair Credit Reporting act 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 2018-11-14
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. (IL)

I have submitted a valid police report to Experian, and XXXX since XXXX of 2018. Experian and XXXX  advised me my police report was not valid, that is not true. My report is a valid police report, from the XXXX Police Department, and this report can be verified. I live in a local town, I went back to the police department and was advised no one contacted the police department to verify if this report was valid or not. However, it is a valid report. 

My life has been a complete nightmare, for I have been denied credit, turned down employment, and unable to provide adequate shelter for me and my XXXX sons.

I am a victim of identity theft, from a data breach, enclosed is a copy of the Class Action Settlement that I am a valid member and have been provided free credit  monitoring services. 

There are several fraudulent accounts that has reported on my credit bureau I have fought with these credit agencies for over four months to remove this information. I have provided the credit agencies letters, from the many companies advising me that I am not liable for the accounts and they would remove it. But for some reason these credit bureaus refuse to remove it.
Consumer complaint received 2018-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

I have a student loan through Navient. This company refuses to send payment coupons because they fraud their consumers and can collect more late fees. 
I mailed my XX/XX/XXXX payment. It was check number XXXX. It clear my bank on XX/XX/XXXX. 
I have uploaded three different bank statements to my Navient account. The third upload of proof of payment was on XX/XX/XXXX. 
On XXXX I spoke with XXXX ( XXXX ). She told me that my payment was located and that it would credited to my account that day. It still has not happened. 
The company started calling me and my husband about 4 times a day. We both spoke with them multiple times. 
On XX/XX/XXXX I spoke with XXXX. On XX/XX/XXXX I spoke with XXXX ( XXXX ). Both XXXX and XXXX told me my account would be corrected.

Today, XX/XX/18, I have received THREE emails from this company attempting to collect debt. 
I called again today. I spoke with XXXX ( XXXX ). She told me that transferred of my money to my account has not yet been approved. They took my money on XX/XX/XXXX and nearly one month later, despite hours on the phone, I STILL can not get an employee to fix my account.