davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
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. (PA)

I called Equifax XX/XX/22 to report inaccuracies on my credit report that needed to be removed immediately due to it causing extreme difficulties in my everyday life. I was told by a supervisor that the items that i reported as inaccurate would be removed within 4 business days according to federal law. It has now been two weeks and nothing has been removed. All the incorrect addresses, invalid phone numbers, incorrect employees, a company called XXXX XXXX and XXXX XXXX. I was advised it would all be deleted in four days. I was also told that a dispute was not filed but request for deletion. I have made several attempts to remind them of their duty of 15 USC 1681 accuracy and fairness of credit reporting. It seems as though Equifax is intentionally neglecting remedying my affairs. Also my life! 15 USC 1681 a ( d ) states as a consumer I and due, promised accuracy on my credit report based on Federal Law. 15 USC 1681i ( A5 ) states that after reinvestigation all unverified information must be promptly removed and the records clearly show that it was never properly investigated so it can not be properly verified or validated. Due to the above reasons Im asking that ALL NEGATIVE closed account, charged off accounts, collection accounts, incorrect reporting invalids addresses, employers, phone number, incorrect spelling of names, to be removed from my credit report per federal law. 
These are the confirmation numbers I received from the supervisor who specifically told me they were for the deletions. The call was recorded. However, I called in today and it was said to be disputes. So not only are these corporations violating my rights as a consumer they are blatantly lying in our faces XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-26
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. (TX)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 an 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 2024-03-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (NY)

During Covid I fell on hard times and unable to pay my bills unfortunately my account went into charge off and sold to debt collection agency which I was unaware on my credit report the collection and the original credit report is reporting twice on the same debt one collection again resulting in taking me to court even though I did not taken any credit out with them.
Consumer complaint received 2022-09-01
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 (NV)

I had brake work done on my vehicle at XXXX store # XXXX, during which the vehicle was not repaired properly and in fact damaged along with services charged but not done. I promptly reported this to Capital One within days of receiving my statement and they supposedly began the dispute process in XX/XX/2022. I provided their requested documentation as soon as I could obtain it. No time deadlines were given in any of the correspondence with them. As I completed the documentation process in XXXX I was told they had everything and to hang tight. 
After receiving a letter in late XXXX stating they still didn't have everything, I called and was told i needed one of the second opinions signed so i got that done in a few days and sent it in. A week or so later I get a letter saying I've exceeded the time frame to submit a claim. When I called about it the supervisor at Capital One admitted they screwed up and that I was not informed of their timeline, and in fact they had all the information to submit the claim but they themselves waited too long. I feel this was intentional and if it wasn't, then they're totally incompetent. I would like this matter reported to the highest level as I do believe this is not an isolated incident. Their excuses as to why they couldn't file a chargeback are 100 % invalid.
Consumer complaint received 2022-09-01
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. (TX)

In Accordance With The Fair Credit Reporting Act XXXX  Account XXXX, Has Viotated 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 2024-03-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (PA)

It was also a voluntary repossession that was in the height of the pandemic and a direct result of the pandemic. I lost my job and house, the company said if I surrendered the vehicle voluntarily they would not put it on my credit report but not only did they put it on there they added interest which is violation of my consumer rights.
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (MI)

On XX/XX/2022, I submitted a complaint XXXX requesting to have an investigation completed. As of XX/XX/2022, Equifax has not completed the investigation. Equifax failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )
Consumer complaint received 2022-09-01
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: SYNCHRONY FINANCIAL (WA)

in accordance with the fair credit reporting act synchrony bank and XXXX XXXX XXXX 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 with out my written instructions.

15 USC 1666B : aCreditor 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 2022-09-01
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. (CO)

Recently I tried to apply for a car loan but to my surprise I was denied because of false inaccurate reports on my consumer report. I have acquired a copy of my consumer report on XX/XX/2022 and to my surprise TransUnion was reporting FALSE INACCURATE information to my consumer report by marking an account in collections as " open '' and by having inaccurate balances. On XXXX I disputed This inaccurate information with TransUnion nicely asking to remove the account for negligence and for violating my FCRA rights under 15 USC 1681 ( a ). 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681e ( e ) ( 2 ), 15 USC 1681a ( d ) and TransUnion is currently RE-AGING this account which is a violation of FCRA sec.605. On XX/XX/2022 TransUnion responded by saying this account is " verified as accurate ''. How is this account verified as when TransUnion has not verified the ACTUAL date of last activity and XXXX has the real " date of last activity '' THIS IS FRAUDULENT AND ILLAGAL UNLESS TRANSUNION CAN SUMBIT MY PAYMENTS RECIPTS FOR THIS ACCOUNT. PLEASE REVIEW MY CONSUMER REPORTS FROM DATES OF XXXX TO SEE TRANSUNION HAS NOT VALIDATED THIS ACCOUNT AND HAS BEEN VIOLATING MY RIGHTS UNDER FCRA SEC. 605 RE-AGING DEBT!
Consumer complaint received 2022-09-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (CA)

I have a private loan to finance a renovation on an investment property -- FCI is the servicer for this loan. On XX/XX/22, as part of a transaction for a 1031 exchange, I sent in a wire transfer of {$31000.00} to FCI, with instructions to apply this towards the principal of the loan. Instead, they applied this as a series of interest-only prepayments. I have called in numerous times to request that this be corrected, and that the payment be correctly applied towards the principal. Each time, I have been put off and told that the payment servicing department will handle this, but as of XX/XX/22, this is still not corrected. Now that it is the first of a new month, I am concerned that the automatic ACH debits set up to pay for this loan are going to be adversely affected, causing me further inconvenience and potentially increasing the amount I end up paying on this loan.
Consumer complaint received 2019-02-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (SC)

In XX/XX/XXXX, I Filed claims for the unauthorized transactions where Suntrust Bank allowed additional transactions to be charged from the merchant on my account. I filed a subsequent claim and requested a block for the merchant and a written response for the action taken. The fraud case determination was not in my favor and i requested all documentation used in the determination or the case be sent in writing on XX/XX/XXXX. As of today I have not received any further communication on any of my requests, only denial letters which does not provide any new information. I am not responsible for the fraudulent transactions and find Suntrust 's lack of communication on the requests to be an admission of making case determinations without merit.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (TX)

15 USC 6508 I have the right to opt out and that they have reported information and transactional history to XXXX XXXX and XXXX XXXX Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802. Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government. 17cfr 424 all inquiries must be removed. Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. Im now opting out any and all authroizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802
Consumer complaint received 2017-06-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NC)

Contacted them through mail. They have a fraudulent amount on my XXXX XXXX and XXXX. The balance owed was {$8200.00} and when I started disputing the information the cost went up on my report to {$12000.00}. They said my monthly payments was {$490.00} and they were {$560.00} a month. They have removed the collection from my XXXX report but not XXXX XXXX and XXXX.
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and to Transunion? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website and the Police Report I filed on my local Police Department to prove that I'm an identity theft victim. What else do you guys want?! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/2018 XXXX $ XXXX Late Dates XXXX
Consumer complaint received 2019-01-30
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. (IL)

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, EQUIFAX, XXXX  AND XXXX  XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX EQUIFAX, XXXX  AND XXXX   continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Consumer complaint received 2019-01-30
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: EQUIFAX, INC. (TN)

XXXX XXXX took out a hard inquiry on my credit report. I did not authorize or give any consent for this company to run my credit. This is a shady pay day loan company
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have a derogatory account reporting on my credit for a credit card that was discharged in my bankruptcy package. Their is no reason why this account should be still active on my report. It has the Chapter XXXX BK mentioned in the remarks but shouldve been removed off of my credit once my BK was discharged
Consumer complaint received 2023-12-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (UT)

Square has prevented me from deactivating this account. As they declined and blocked my ability to use payment processing due to reporting fraud and identity theft from a previous account that occurred. This account was basically useless without having any of the core features needed for my business. Therefore I wanted to close or deactivate this account. Its preventing me from being able to do so.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I received a letter from XXXX XXXX ( XXXX XXXX ) stating that they had closed my account for high balance reasons ( I have attached the letter ). They gave me no warning that they were going to do this. I have had a XXXX  balance on this card for a year. When I called they said that they closed my account for non-use, diabolically different reason than in their letter. When I asked him if this would affect my credit, he hung up on me. 

I called Trans-union. The person I spoke with there said that it is on my credit report as " closed by creditor, '' or something close to that. He told me I could not dispute it because they just said they closed it and did not give a reason. 

I spoke with the Minnesota Department of Commerce first, who gave me your information. 

I hope you can help. I thought I was doing the right thing having a XXXX  balance. This card can only be used for medical, so it's not the type of card you would use on a regular basis. 

I don't want the card anymore, since I found out what a fly by night company this is, but I do not want this to appear on my credit report, thereby damaging my credit for no reason.
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CNG HOLDINGS INC (MD)

I just found that XXXX XXXX XXXX has posted a collection item under my account for {$2500.00}. I have never had any transaction with this company nor any other Company that may be linked to this company since I do not owe any company that amount of money. I am demanding for an immediate investigation and removal of this collection item from my account as soon as possible.
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

On XX/XX/2019 I purchased a Vehicle at XXXX XXXX in XXXX New Jersey. I was approved by XXXX XXXX XXXX XXXX I signed the paperwork and toke the car home after driving for a few miles the car was shaking toke the car back to the dealer. 
They attempted to repair the vehicle I picked up the vehicle and it still had problems so I return back to the dealer to try to fix the problem again. I receive a phone call that the vehicle was fixed again I pick the vehicle up and drive it the vehicle still has problems so for the 3rd time I take the vehicle back to the service department at the dealer and told them unless they can correct the problems I do not want the car, that was on XX/XX/2019. The service department called a couple days later stating that the car was fine they couldn't see anything wrong with it so I told them I do not want the car and I'm not picking the car up they can have it. 
Sometime in between all this adventure I received a letter from XXXX XXXX saying welcome to XXXX XXXX I texted the dealer and asked what was going on I did not sign any paperwork with XXXX XXXX. I received no answer or explanation so I proceed it to contact XXXX XXXX and notify them that I have no contract with them. 
After going back and forth with bank and getting nowhere I requested a copy of the paperwork that they approved the loan on. After receiving the copies of the paperwork I noticed the contract had been modified scratched over XXXX XXXX XXXX  and handwritten XXXX XXXX by hand that is not a binding contract and the fact that the car was in possession of XXXX XXXX when the loan was originated. 
I want to make sure that they don'y do this to anyone else as I'm still trying to correct my credit report as XXXX XXXX reported me as late payments and written off loan that ended up been paid by the dealer XXXX XXXX. This has cause me to have credit cards closing my accounts and my credit score going form XXXX to XXXX this has ruined my life it toke me 20 years to get my credit to where it was and a company committing fraud to ruin my credit. This is not fair XXXX XXXX and XXXX XXXX should not be allowed to do what they have done. 
Any help would be appreciated. 
Thank you
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On my XXXX  credit report Kolhs credit is showing current and they fixed my credit report but XXXX  and XXXX they did not fix the errors. This has been going on for two months going on three now. I have called kolhs, they said they will not fix it. One manager said they would. Then my experian report is fixed but my other two credit reports are not? This late payment was an error on kolhs part and they can pull every conversation with every representative. There system does not show pending payments.
Consumer complaint received 2019-01-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I was a recipient of a lawsuit against Navient for overcharging veterans interest, which was settled in 2015 with Navient being at fault. The settlement was given directly to Navient. I was in no way informed by Navient. The balance in the amount of approx {$35000.00} was not updated on my account and I was not notified by mail or email or telephone. I was not aware of the lawsuit until the IRS informed me that I owed back taxes in the amount of approx. {$11000.00}, which I am being charged penalties on in excess of my monthly payment. It was a difficult and confusing process to get the information from Navient customer service. They were finally able to locate the sum, but the records available still leave me confused.