davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: KEYCORP (NY)

On XX/XX/20, my bank statement indicated that there was a withdrawal of {$10000.00} from my savings account at Key Bank XXXX XXXX, NY by unknown person. This was not authorized by me or my joint account holder. Affidavit was submitted per bank 's instruction on XX/XX/20 stating that this was an unauthorized, fraudulent, and illegal withdrawal committed by unknown person. Police report was filed on XX/XX/20. To this date no funds have been returned to me and no indication of when I will receive my funds back. This is an outrageously long time for me to wait for my money to be returned. I am the victim of a crime and wish for a full investigation and resolution.
Consumer complaint received 2019-06-12
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. (HI)

I have disputed the late payments XXXX XXXX XXXX  XXXX  accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-06-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (MO)

After applying for a loan, my credit was ran and to my surprise there was a collection reporting from a XXXX XXXX  that I had no clue of. The credit bureau has been reporting this under my social security number. Thy are reporting inaccurate and incomplete information. I send them a certified letter in the mail with tracking number XXXX XXXX XXXX XXXX XXXX demanding a validation of this medical account as I have already contacted the medical facility and of course they cant provide the statement at the time. Since they could not provide an itemized statement for the services, they clearly are in violation of the FCRA and FDCPA. With that being said I demanded that the credit bureau complete the investigation of the allegedly medical collection and remove it because the provider can not validate the information being reported on my credit report.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AZ)

All three agencies have continuously violated and continue violating my federally protected rights as a consumer, privacy through privacy act of 1974 and as follows THE PRIVACY ACT OF 1974 : The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete; and. 
15 U.S.C. 1981 SECTION 2 A State that I, as a consumer, have the RIGHT TO PRIVACY 15 U.S.C. 1981 SECTION 604 SECTION 2 : States that a consumer reporting agency CAN NOT furnish any information on my account without the expressed written instructions of the consumer which is I, and no agency XXXX, XXXX, Equifax has attempted to receive written instructions from I, the consumer, nor have they received any such instructions. My federally protected rights have been continuously and maliciously been violated and neither has attempted to correct to this date. 
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports : ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS : ( XXXX ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) 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. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2019-03-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Byrider Franchising, LLC (KY)

When I purchased the car part of the agreement was it was under full warranty all I had to do was take it to the place they have a garage I complained about a loud noise in the engine and they would not fix the car try to tell me it was fine then it broke down on me I left and they came and repossessed it.It has been over 7 years ago and when I dispute it they keep updating it under 2 different accounts on my credit report because a collection agency is involved also.
Consumer complaint received 2023-04-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (AZ)

I have a car leased through Santander consumer USA at XXXX XXXX XXXX XXXX XXXX Texas XXXX there phone number is XXXX XXXX XXXX I started my car balance at XXXX dollars and at XXXX dollars a month paid {$5000.00} dollars my balance has never moved they are not properly reporting my balance should be {$18000.00} dollars left on the car how am I current on my payments if I have never paid my current balance is {$23000.00}. Please tell me if the company is not using the real Santander and robbing me.
Consumer complaint received 2019-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I have disputed the late payments XXXX XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2020-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (TX)

I was trying to increase my credit limit with well Fargo and again it was denied twice due to that I have a fraudulent loan closed on my credit report and I told the credit services that I didnt apply for that loan but I paid it off anyways and I place a statement on my credit report but the credit agent said he didnt see it on his end but it saids that this loan that showing on my credit report is open by unauthorized person ... I would want well Fargo increase my credit limit due to I have a high balance that Im not responsible for and I send in some documents to the reconsidering dept and Im waiting on temporary credit but I havent received it just taking too long ... .but again my credit limit was denied due to that loan I have on my credit report
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2020-09-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Risecredit, LLC (KS)

I filed a complaint on XXXX regarding funds that were removed from my account after the company had agreed to a {$45.00}, then a {$96.00} short term relief agreement. I then contacted the company after nearly {$500.00} had been removed from my account. I requested my payment which would have been due on XX/XX/2020 to be pushed back 2 weeks in order to allow me time to contact the company to settle the original matter, which they emailed me they would. I then cancelled my ACH debt agreement on XX/XX/2020 to allow me more control over the situation until the matter could be settled. I received an email from the company within hours of me stopping my ACH debt revocation stating they were going to refund me {$450.00}. They then sent me an email stating I immediately owed {$360.00} which was due on XX/XX/2020 that was presented to my bank and returned. I have contacted my bank and this is a lie. The aforementioned amount was never presented to my bank, in addition they had already agreed, which I have email proof, to delay the payment to XX/XX/2020. I am tired of being lied to continuously by this company. They now no longer have lending privileges in my state. I have already repaid this loan back double the amount I originally borrowed.
Consumer complaint received 2018-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc. (PA)

Diversified Consultants place from XXXX XXXX XXXX a XXXX debt that is not owed. Diversified Consultants also had place by XXXX XXXX XXXX on my credit file as to there was no notice mailed to me in any way to dispute the debt within 30 days by Diversified Consultants as they claim they sent the debt back to XXXX XXXX XXXX as spoke to them on XX/XX/XXXX as stated by the person I spoke to. 

Attach is a copy from the Consumer Financial Protection Bureau complaint # XXXX Submitted XX/XX/XXXX company response XX/XX/XXXX that the disputed account was removed from my credit report. 

Attach is a copy as proof from the Company 's response
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2020-09-16
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Chrysalis Holdings LLC (AR)

On XX/XX/XXXX, I contacted NewDay USA to ask questions about a mortgage refinance. While discussing with the representative XXXX XXXX, he asked if he had permission to run my credit. I told him no, that at this point I was not ready to go forward with the application. We continued the conversation briefly and then the call was terminated. After roughly one minute of the call ending, I received notification from XXXX that a hard inquiry had been done by the mortgage broker for NewDay USA. I called back and spoke to XXXX again and he said that he did run my credit without permission and I would need to dispute it, or asked if I would like to hear the rates I qualified for. After speaking with XXXX, I asked for a supervisor at which point I was forwarded to XXXX XXXX. XXXX agreed that what was done was a clear and direct violation of the Fair Credit Reporting Act yet had no remedy for the impact on my credit. XXXX also explained that since people do not usually say no to having their credit ran, a lot of times the representatives just click yes and proceed ahead with the application prior to having the approval. These are serious implications if a lender that has designated themselves to be a trusted lender for veterans is actually violating the FCRA consistently. Both XXXX and XXXX tried to inform me of the rates I had qualified for with the illegal credit check instead of offering solutions to the inquiry that XXXX had done without authorization.
Consumer complaint received 2019-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (PA)

This involves Sallie Mae and Navient. I believe I qualify for the lawsuit. I was charge a large amount of interest. Here are some of the statements from Navient. 


XX/XX/XXXX Disbursement {$32000.00} Interest {$0.00} Fees {$0.00} {$32000.00} XX/XX/XXXX - Not informed of Payment Prinicpal {$0.00} Interest - {$220.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$16.00} Interest - {$200.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$54.00} Interest - {$160.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal- {$92.00} Interest - {$120.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$270.00} Interest- {$160.00} Fees {$0.00} Total - {$440.00} XX/XX/XXXX Payment Principal {$0.00} Interest - {$220.00} Fees {$0.00} Total- {$220.00} XX/XX/XXXX Payment Principal {$42.00} Interest - {$170.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal- {$61.00} Interest - {$150.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$260.00} Interest - {$170.00} Fees {$0.00} Total - {$440.00} XX/XX/XXXX Payment Principal {$0.00} Interest - {$220.00} Fees {$0.00} Total- {$220.00} XX/XX/XXXX Payment Principal - {$65.00} Interest - {$150.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$63.00} Interest - {$150.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Prinicpal- {$86.00} Interets - {$130.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Prinicpal- {$81.00} Interest - {$130.00} Total {$0.00} Fees - {$220.00} XX/XX/XXXX Payment Principal- {$100.00} Interest- {$110.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Payment - {$87.00} Interest - {$130.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$180.00} Interest - {$250.00} Fees {$0.00} total - {$440.00} XX/XX/XXXX Payment Principal {$0.00} Interest - {$220.00} Fees {$0.00} Total- {$220.00} XX/XX/XXXX Payment Principal - {$230.00} Interest - {$200.00} Fees {$0.00} Total - {$440.00} XX/XX/XXXX Capitalized Interest {$270.00} - {$270.00} {$0.00} {$0.00} XX/XX/XXXX Payment Total- {$300.00} Interest {$0.00} Fees {$0.00} Total - {$300.00} I have additional paper statements from Sallie Mae as well. 
I called the company many times about this and about being unable to afford this amount. I was told that I would have to go into forbearance or default. It was only in XXXX that I heard, from a co-worker, about income-base repayment plan. 

The total amount that is now owed is more than the original balance. 
XXXX XXXX XXXX : {$34000.00}
Consumer complaint received 2024-05-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC. (AL)

I had tax returns directly deposited into my XXXX  XXXX  account. Was told after XXXX  days of the last deposit, I would have my bonus money for the transactions. I have talked to them too many times to count and it hasn't went in my account yet. I've spent so much time speaking with them to lie waste my time. I demand compensation for this issue and time spent dealing with XXXX. I have reached out to an attorney as well due to all of the lies. It's been it's been over XXXX  months now
Consumer complaint received 2023-08-21
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. (TX)

Upon reviewing my credit report, I noticed several inquiries that were inaccurately being reported. I have previously requested removal of these inquiries and have yet received a resolve or response. This is a direct violations of several consumer laws.
Consumer complaint received 2018-06-16
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. (NY)

please remove before my XXXX XXXX reprimands me in addition this is not mine years ago before leaving XXXX NY I lost my wallet I was away in another country so I woundnt know of this until now
Consumer complaint received 2018-06-16
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)

please remove before my XXXX XXXX reprimands me in addition this is not mine years ago before leaving XXXX NY I lost my wallet I was away in another country so I woundnt know of this until now
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery has reported 2 accounts on my credit report that do not belong to me. They have reported that I owe debts to XXXX XXXX for one account in the amount of {$420.00} opened on XX/XX/XXXX and another account to XXXX XXXX in the amount of {$1300.00} opened on XX/XX/XXXX. I never opened these accounts with XXXX XXXX, they do not belong to me. I disputed both of these items through XXXX dispute requests and they reported back to XXXX that these items were accurate. This is a false reporting and I am demanding that these items be removed from my credit report immediately.
Consumer complaint received 2020-09-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/8/20 I made a principal payment against my Heloc reducing the principal balance {$3200.00}. On the same day Bank of America reversed my payment and adding {$3200.00} back to my outstanding balance. I made this payment with good funds from my B of A checking account. 

B of A employees have indicated this is a systemic problem. Typical holds time to reach someone is usually an hour. This has been a recurring problem with B of A who seems unable to make the correct postings to my account. 

OnXX/XX/15/20 I spoke with B of A supervisor XXXX XXXX in NC at phone XXXX. She gave me 100 % assurance that this above problem would be resolved by XX/XX/XXXX. It is not. 

On XX/XX/16/20 I placed 2 calls to the number and no one answered.
Consumer complaint received 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

I was granted a modification to begin on XXXX with 3 trial payments to be made. I made payments payments in XXXX in which they were said to have been returned for insufficient funds. I contacted XXXX XXXX XXXX XXXX and XXXX XXXX several times a week over the month of XXXX regarding this matter, beginning on XX/XX/XXXX. I sent in EVERYTHING that was available to me from my banks as proof of payment, but was still told that no payment was received, which my bank states that they received it and provided Fay Servicing a copy of the endorsed check, transitional statement and wire transfer document. I was provided with a perm mod agreement and mailed back in, in which Ms XXXX states was received. On Friday XX/XX/XXXX I was told by XXXX XXXX of Fay Servicing LLC that my payment was received and the payment dept tracked the payment and my payment was indeed posted. On XX/XX/XXXX I received a call from Ms XXXX, stating that my payment ( the bank wire ) was received but was returned for insuficient funds. She advised me that my perm mod agreement was received and I was all good and could make my XX/XX/XXXX trial payment anytime during XX/XX/XXXX. She stated that the modification agreement that they offered was rescinded and there is no longer an agreement. She advised me to forward her something from the bank reflecting payment was actual a wire and not a check and she will have it researched with no guarantees that they will be willing to resume modification agreement. She advised me my next step would be lifting the foreclosure hold and proceeding with a foreclosure. I have done ALL of what was asked of me provided everything attempted to make several payments and I keep being told they have been returned for insufficient funds when my most recent payment was a wire from my credit union.
Consumer complaint received 2019-06-12
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. (FL)

I have accounts that I never signed up for that are somehow showing up in my collections. 

- XXXX XXXX XXXX XXXX  - XXXX XXXX  - XX/XX/2019 - XXXX XXXX XXXX - XXXX XXXX XXXX  - XX/XX/2019XX/XX/2019
Consumer complaint received 2023-04-07
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. (AL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.