davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-15
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: Experian Information Solutions Inc. (AZ)

In XX/XX/2021 I contacted Experian, XXXX  & XXXX  notifying them the addresses they have on record are outdated & incorrect. I sent them personal identifying information and proof of address, as well I mailed the letters from my current address. I have recently pulled my credit report again, and the incorrect addresses are still listed on my record.
Consumer complaint received 2021-04-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (TX)

A collection company is listed on my credit profile under the name of Cavalry Portfolio Serv. The amount listed is {$290.00} dollars. It has a collection date of XX/XX/20. I have know knowledge of this account and I have disputed it with the listed company as well as the credit reporting agencies.This item still remains on my credit even after disputing this account and never receiving a response back from the company. As I continue to try to maintain a healthy credit profile, a small collection like this can impact it severly in a negative way. I am requesting that this account be seriously looked into or transfered to the FTC and properly investigated.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 an account without my written instructions.
Consumer complaint received 2021-06-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent in a complaint to Transunion that I am a victim of identity theft. In response to Transunion, I XXXX XXXX Give authorization to Transunion to continue working and investigating my claim of Identity theft.
Consumer complaint received 2017-08-24
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. (LA)

While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Experian several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX onXX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX onXX/XX/XXXX, XXXX XXXX XXXX onXX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2015-11-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: LTD Financial Services, L.P. (TX)

I had a line of credit loan with a bank which I got behind on. It got turned over to LTD Financial Service Debt collections. They called and asked me to get another loan to pay XXXX % of the debt. They said if I did n't they would sue me and according to the terms of my original loan I would be responsible for all the layers fees. 

I could not get a loan but plan to get a XXXX job. LTD Financial offered to take a large payment followed by regular monthly payments. I said that would work as soon as I started the XXXX job. They asked for my bank account number to make automatic drafts. I asked for this in writing and they refused and again said they were making the offer as a good faith effort to avoid litigation. I refused to hand over my bank account without a written agreement. 

LTD Financial then started calling my wife at work and telling her I was being uncooperative and she had to work with them. 

I plan to get an attorney.
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DriveTime (VA)

XX/XX/XXXX. My supervisor sent me an email with a voicemail from a legal team from a private #. They called my employer and left a vm for them to call regarding my legal issues, which I have the forwarded email from my employers with the voice mail. When calling XXXX, the phone rung multiple times no introduction when answered but requested me to tell them about me with a reference #. Never let me know I was on a recorded line- asked me about my last 4 of my social which I said " mmmmm okay to. '' I said 17 year old debt for {$2000.00} in question. Never sent me any mail about this for over 10 years. Debt was for voluntary repo which was resold and written off in XXXX. Did not state whom they were until asked. I hung up and gathered my thoughts due to all of the scams going on and my phone being hacked recently. Called back to confirm their info and the 2cd caller did not introduce himself, was silent upon answering and I stated I was going to report and file a complaint, yelled at me to look out for a summons miltiple times. Kept asking for my # then reverse look up on the call. Stated debt from XXXX did not state debt was time barred past statue of limitatioms. I know my consumer rights to which they violated on 2 counts. XXXX XXXX in California.
Consumer complaint received 2020-02-14
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (FL)

Dear reader I have never missed A payment and I care about my credit very much as I am in the process of trying to get a new mortgage this was in XX/XX/2018 and I didnt have the online payment set up so I made a call to the Discover customer service representative to make the payment info and the customer customer service representative him put my information on my card incorrectly which then caused my payment not to go through when you told me that it didnt go through and I didnt get notified until two months later when I already had a credit mark on my history I dont think its fair that I am paying that I am getting a mark on my history because I made my payment as you can see I even went ahead and paid them off in full with no interest APR and I have paid off all of my dad has a good person would theres no reason for me to be able to go suffer. When I spoke to Discover regarding this dispute I spoke to a couple customer representative supervisor was very unhelpful he then told me that he would try to go ahead and pull the car and went when they when he went to go pull the car in a couple days later he told me that he can not find the car but I know for a fact that I gave him my XXXX  card to go ahead and pay that balance which Ive always paid on time.I sincerely think that it would be great to have that removed as you can see my credit history and you could see my intentions as the only reason why that wasnt paid was because I got notified two months later that the card number that he took through didnt go through and I have no way of knowing that cause the point I thought I had paid it so this would be on the fall on the negligence on the behalf of Discover as well as a supervisor for not being able to go ahead and pull the car listen to the call accurately if they did they would see that Ive ever intentional of paying it. Please help me remove this error. This is discovers fault. Look at my credit history. Flawless, but that error on their part
Consumer complaint received 2022-07-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (VT)

My XXXX online savings account was sold to Citizens and transferred in XXXX, XXXX. I went to the XXXX, VT branch of Citizens bank to close the account on XX/XX/XXXX and I received the full balance and was told the account was closed. 

However, I continued to receive statements and emails from Citizens about fee waivers expiring and such. I returned to the branch on XX/XX/XXXX and was told the account was terminated. 

On XX/XX/XXXX I received an email from Citizens reminding me about fees ( fees were mentioned XXXX times ). I returned to the bank on XX/XX/XXXX and was told the account could not be found and to call customer service. I was unable to reach a person at customer service. I returned to the bank again on XX/XX/XXXX and was now told repeatedly the account, which could not be found the day prior, was closed and they had no idea what the fee reminder email was about or who sent it ( I brought printouts ; see attachments ). 

On XX/XX/XXXX, the branch manager XXXX XXXX XXXX ) repeatedly REFUSED to provide written confirmation that the account was closed ( " We don't do that '' ). I am deeply alarmed by this. 

Lastly, on XX/XX/XXXX I mailed from XXXX, VT ( XXXX ) a written request for confirmation of account closure to both the XXXX, VT branch and the central customer service center of Citizens in XXXX, RI. The letter to RI has been received, while the letter to XXXX, VT has had a delivery exception. I have not yet received a response. 

The account should be closed, but the XXXX, VT branch will not provide written confirmation and I continue to receive emails indicating to me it is open. Therefore, I believe the account is still open with a balance of {$0.00} and that I will start accruing " maintenance fees '' which may harm my credit. Out of fear for this, and due to their refusal to confirm closure on XX/XX/XXXX, I am submitting this complaint to the CFPB. 

I never agreed at any moment to be a customer of Citizens Bank. 


Attached are the following documents : 1. Scan of welcome letter from Citizens detailing my XXXX account transition to Citizens. 
2. A copy of an account statement from XXXX - XX/XX/XXXX showing a balance of XXXX. 
3. A screenshot of an XXXX XXXX XXXX internet alert showing Citizens changed the account holder on XX/XX/XXXX. This is 40 days after I closed the account. 
4. A copy of the email from Citizens on XX/XX/XXXX showing that fees will be starting. Fees are mentioned XXXX times. 
5. A copy of my XX/XX/XXXX letter requesting written confirmation of account closure. This letter was sent to both XXXX, VT branch and the central customer service center of Citizens Bank. 
6. XXXX receipt and tracking numbers to show written request ( attachment 5 ) was mailed on XX/XX/XXXX.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

My spouse opened up a Walmart credit card and I was added as an authorized user. However, at the end of XX/XX/XXXX/ beginning of XX/XX/XXXX, my spouse removed me as an authorized user. However, Walmart is still reporting to the credit bureaus that I am an authorized user and that I still have responsibility of this account. My spouse has let this card go delinquent and has used over the credit limit and this is personally still affecting my credit score. I contacted Walmart on XX/XX/XXXX, and it was confirmed that I am no longer an authorized user and that I would need to find resolution with the credit bureau as she could not discuss the account with me.
Consumer complaint received 2022-02-15
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. (CA)

For the last 2 to 3 months I've been shopping for a car. They are running my credit multiple times with the lenders. They are using the same companies usually. They are denying me credit because I have to many credit inquiries. I've disputed the credit report with the agency. They didn't change anything. XXXX XXXX, XXXX They said that everything remains. This was XXXX. I've been denied credit because of this. They will not lump the credit inquiries together from the same company. They have them all listed individually. All XXXX credit bureaus have said that this is just how it is. There are now XXXX inquiries. Ally auto has been ran twice in 1 day. Three times in 1 day for XXXX XXXX.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

For the last 2 to 3 months I've been shopping for a car. They are running my credit multiple times with the lenders. They are using the same companies usually. They are denying me credit because I have to many credit inquiries. I've disputed the credit report with the agency. They didn't change anything. XXXX XXXX, XXXX They said that everything remains. This was Transunion. I've been denied credit because of this. They will not lump the credit inquiries together from the same company. They have them all listed individually. All 3 credit bureaus have said that this is just how it is. There are now 92 inquiries. Ally auto has been ran twice in 1 day. Three times in 1 day for XXXX XXXX.
Consumer complaint received 2022-10-08
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. (SC)

I AM A NATURAL PERSON. I HAVE TIGHTS UNDER 15 USC 1681. MY CIVIL RIGHTS WRE VIOLATED NUMEROUS TIMES AND I AM REQUSTING/ DEMANDING THESE INQUIRY ACCOUNTS/ COLLECTIONS BE REMOVED XXXX  XXXX NA XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THESE ARE NOT MY ACVOUNTS, WHICH LOWERED MY XXXX XXXX, HIGHER INTEREST RATES, PLEASE REMOVE THESE INQUIRIES/COLLECTIONS
Consumer complaint received 2020-02-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDICO. INC (SD)

I had a wage garnishment with CCB in XX/XX/2019 ... after learning that XXXX was not going to work with me because he felt I was withholding information about my income I agreed to the amount of XXXX every two weeks to fulfill the amount which was approx. {$2400.00}. The payment was fulfilled based on the order I received and my job stopped the garnishment. Sometime In XXXX, XXXX with CCB called my current employer and stated that he wanted payment for another {$2800.00}. My employer then complied because he faxed an altered document with a written amount. I NEVER received any type of paperwork nor did I agree verbally to this account as the XXXX every two weeks has put a strain on my finances. I have called my payroll department and they are not educated in the South Dakota laws concerning garnishment or wage assignment. It is very concerning that XXXX was able to call my job and STATE this info without any judgement or court order. Also that I have tried several times to call and he sends me to his voicemail and calls maybe 3-4 days later or only after I have talked to my employer and they contact him ...
Consumer complaint received 2020-02-14
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: EQUIFAX, INC. (WI)

Equifax is reporting a two open fraudulent accounts XXXX XXXX XXXX, XXXX/XXXX  as past due and three collection XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account on my credit report. I disputed this fraudulent account XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. At this time it was with a different collector called XXXX XXXX XXXX. After disputing this fraudulent account with the XXXX XXXX XXXX and XXXX XXXX XXXX, and them conducting their investigation the result was a deletion of the fraudulent account from my credit report. It appears they have however sold this fraudulent account to XXXX XXXX XXXX, XXXX. XXXX and XXXX XXXX XXXX a new collection agency. Even with a different account number it seems Equifax and/or system should recognize that the account has the same account details ( date opened, balance, credit limit etc ) as the fraud account that was previously deleted/blocked and should be rejected for re-insertion. 

Lastly, there is a fraudulent XXXX XXXX XXXX and XXXX/XXXX  credit card that is also reporting on my credit report. These accounts is not mines as it was established as a result of identity theft.I disputed these fraudulent accounts and the XXXX XXXX XXXX and XXXX/XXXX  credit card remained on my report however the XXXX/XXXX  inquiries disputed as fraud were removed. How can Equifax agree that a Inquiry is fraud but the account it is associated with is not??? That makes absolutely no sense. This is another case of Equifax being negligent and This is a blatant violation of my consumer rights pursuant to the FCRA section 623. Reporting this fraudulent account has dropped my credit score and has caused much undue emotional distress. If this fraudulent collection account is not removed promptly, I will be exercising my rights to file a civil lawsuit pursuant to the FCRA for willful noncompliance and negligence!
Consumer complaint received 2020-02-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (TN)

I went to the local US Bank ( XXXX  XXXX XXXX XXXX, XXXX, TN XXXX, XXXX-XXXX-XXXX  ) on XX/XX/2019 to close my checking/debit card accounts with US Bank -- withdrawing all funds -- due to their inability to resolve a recurring ( for 3 consecutive months as of XX/XX/2019 ) monthly double-billing of my account by XXXX XXXX. I specifically mentioned this to the manager -- XXXX XXXX -- as the reason I was closing my accounts, at which time he said that it was not their fault, as they used a 3rd-party group to resolve disputes. On XX/XX/2019, I noticed that yet another inappropriate charge from XXXX  had been posted to the accounts that he was supposed to have closed on XX/XX/2019. Once I was finally able to get him on the phone on XX/XX/2019, he said that there was nothing he could do about it, that I would have to pay the charges or he would turn it over to a collection agency. When I asked for the name of his manager, he responded that " I don't have a manager ''. He could not  possibly have been any more rude and belligerent. When I forwarded a summary of what had occurred to US Bank Customer Service via the link on their website, they responded that I would have to pay the charges, leaving no contact information, but suggesting that I would need to go to the branch office to resolve the issue! They have continued to post charges to the closed account, and have indeed forwarded the " amounts due '' to a collection agency.
Consumer complaint received 2021-10-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc. (TX)

I work as a truck driver I was doing fine before the civi-19 start, I got a XXXX XXXX XXXX on XX/XX/XXXX finance by Chrysler Capital before I was making my payment right on time sometime ahead of time, when the covi-19 started everything went down hill, In the beginning of this year I wasnt making enough money I got sick with XXXX by XX/XX/XXXX the job I was doing didnt have enough freight for me so I call Chrysler Capital and talk to them about it so I can have a little time for me to recuperate and work to make the payment they say no, so after that I went to work to get the money for the payment of the car and I was still XXXX.They said we are repoing your car.Then I said give me til Friday XX/XX/XXXX And Ill pay 2 payments.still they took my only way to work and store or to get medical treatment on XX/XX/XXXX XXXX.If it wasnt for XXXX.I wouldnt be going through this with them.I tried asking them what would it cost to get my car back.They said around XXXX.Its .The repo man said that Chrysler capital repos a lot of vehicles.I asked how do you know this he said his company does a lot of work for them.Makes you wonder if they do this to get our vehicles and resell them.So they never loose in a car deal.