davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
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. (PA)

Greetings, I XXXX XXXX am writing to expunge the following information from my file. The items I request to be deleted are listed in this report. I am a victim of identity theft and did not make the following charges or changes. I ask that these items be deleted to correct the flaws reflected in my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2021-10-28
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. (PA)

Greetings, I XXXX XXXX am writing to expunge the following information from my file. The items I request to be deleted are listed in this report. I am a victim of identity theft and did not make the following charges or changes. I ask that these items be deleted to correct the flaws reflected in my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (OK)

XX/XX/2022 I was paid on the Friday XXXX for my XXXX XXXX payment, which was scheduled for XX/XX/XXXX. 

Now in XXXX I do not get paid before the weekend even though the pay dates are the same. The XXXX of XXXX falls on the same day as the XXXX of XXXX. Yet, I do not have my XXXX payment. They said it will be deposited on XXXX, but online says Monday, so the representative I spoke to lied to me. 

Why can they arbitrarily pay me? There is no reason why this month should be a weekend later than last month. And the rep even mentioned Saturday??? how is the payday?? 

I have consistently filed complaints about this company charging me for overdraft fees. Now there is evidence of inconsistent payments regardless of their policy. This suggests to me that they are intentionally forcing me to charge over my amount to incur more overdraft fees. 

This is not an authority of a financial institution that I will continue to deal with. 

Their solutions have not made a dent in their policy of manipulating my finances against me. 

As of this complaint, I can not even view my statements from XXXX. They are preventing that somehow. I attached pictures reflecting the fact that nothing should be different.
Consumer complaint received 2021-10-28
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. (FL)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AC AutoPay LLC, Denver, CO Branch (NE)

Complaint is about the autopay, when I tried to obtain the loan they advertised that load is about 2.99 % XXXX on their website but when I applied the load they offered me 6 % something ( I don't know the exact rate ). I asked loan officer that your website is showing 2.99 % apr and who do you give this rate. That person told me that this is handled by marketing team not me. I kept saying that this is misleading but he hung up on me. My credit score is XXXX but because of this incident I have that hard enquiry in my credit report. I feel like AutoPay is advertising false rate on their website to mislead customers.
Consumer complaint received 2022-02-25
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. (MI)

On XXXX XXXX2022 I sent Equifax a dispute letter disputing inaccurate and fraudulent accounts. Its been passed 30 days and these accounts are still reporting with no proof of investigation. Also, I have not given Equifax written or verbal consent to report any derogatory remarks on my credit report. No consent is identity theft per title 15. Congress made it clear that furnishers arent allowed to report information containing transactions or experiences between the consumer and the person making the report. This is defamation of my character, unfair practices and conspiracy to help companies commit fraud against me.
Consumer complaint received 2021-10-28
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2021-03-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP (GA)

Republic Finance, by their own admission, does not show the amount of your next due payment on your online account, until the due date itself. If you sign in to check your account prior to the due date, even just one day before, so you can know how much money you need to reserve for your payment, it shows : Amount Due on : XX/XX/2021 {$0.00} I signed into my account on XX/XX/2021, the day before my due date, to see the amount and go ahead and make my payment. It showed Amount Due On : XX/XX/2021 {$0.00}. 
I was a little surprised, but I thought I may have paid enough for this month when I made my last payment. Ive had that arrangement with them before, where for instance if I make a payment that is 3x my monthly payment amount, then I dont have another payment due for 3 months. Since it showed {$0.00} due, I did not include this months payment in my budget. Today I received a call from the XXXX, GA Republic Finance branch office. When I called them back I said I was confused about why they were calling me because I had checked my account and it said I didnt have a payment due. The woman who answered my call said she knew its a little bit silly but their system doesnt show the amount due until the due date and afterward. To make sure I understood what I was hearing I said that with every other bill Ive ever paid you can see how much you owe prior to the due date so you can plan how much money you need to reserve and budget accordingly, and asked if she seriously meant that you can not see your amount due prior to the due date. She said yes, it does not show your payment amount until the exact day your payment is supposed to be made. 

My payment date is the XXXX of each month. I checked my account in XX/XX/2021. I received a call from them ( XXXX ) on XX/XX/2021 at XXXX EST. I returned their call ( XXXX ) and had the conversation described above on XX/XX/2021 at XXXX EST.
Consumer complaint received 2019-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX # XXXX is reporting a late I should not have. I came in and made a large payment of {$4000.00} and the representative I talked to said it would cover the next month 's payment. I have had this account for over a decade and have never had a late, this wasn't my fault. I would like for the late to be removed.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX # XXXX is reporting a late I should not have. I came in and made a large payment of {$4000.00} and the representative I talked to said it would cover the next month 's payment. I have had this account for over a decade and have never had a late, this wasn't my fault. I would like for the late to be removed.
Consumer complaint received 2022-02-25
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. (GA)

There is a message on each Bureau " extended alert '' consumer has requested an alert be place on my credit file, do not extend credit without first contacting me personally and verifying information. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. see attachments I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (NV)

I tried to XXXX money to cover the deficiencies twice but they account for some reason would not let me receive money. I canceled the first XXXX on XXXX and then requested a second one but it would not allow me to recive money again..tried calling the bank to find out what is going on was on hold for XXXX hour and then got hung up on... .it is ridiculous
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 
TD BANK NA XXXX Date opened XX/XX/2012 Balance -- // Late Close
Consumer complaint received 2021-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC. (TX)

I have tried diligently to contact Arvest Central Mortgage to request the complete loss mitigation evaluation process and Im never able to get through to a representative. Im just placed on hold and forgotten about. Im a XXXX XXXX citizen, and have documented these interactions. Furthermore, the company is moving forward with the foreclosure process despite the CFPB rule regarding the pause on foreclosures as a result of the pandemic until XX/XX/2022.
Consumer complaint received 2022-02-25
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. (GA)

I have received a response from you all about the credit agency complaint number XXXX. 

Unfourtunately, I believe that you all are allowing the bureaus to break the laws according to FCRA laws which state that the bureaus are suppose to response within a reasonable time frame of 30 days. Yet, they have not even responded until I sent a complaint via you all. Also you all know about the CARES ACT and this violates that as well. TransUnion was recently involved in a case for actions like this. 

There actions of not responding to me in a timely matter and keeping this inaccurate information that is not even mine on my report is preventing me from getting a safe and affordable place to stay for my family and I again.
Consumer complaint received 2019-07-30
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Security breach/privacy information not protected by Capital one ... I am asking the acct ending in XXXX and XXXX my personal capital one cards that are close because I suspected strange activity and capital one did nothing. When I called around the time the government shutdown they refused to do anything about my concerns, so I closed the accounts. Due to the large security breach I am a victim I know my social security number and information was hacked I get calls and i feel they did not protect my personal Information now I have all these strange things happening to my life. I want both personal capital one accts removed acct XXXX and XXXX from all 3 credit bureaus in lieu of me filing a case with a lawyer regarding my personal information being compromised and not protected by Capital one. The amounts of XXXX from acct XXXX plus acct XXXX balance XXXX I would like for both closed account to be remove due to this breach and incorrect balances on my credit file.
Consumer complaint received 2022-02-25
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. (TX)

Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681 and as a consumer per federal law the accounts listed have violated my rights and must be removed. The accounts to be removed are as follows ; XXXX XXXX
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX # XXXX is reporting a late I should not have. I came in and made a large payment of {$4000.00} and the representative I talked to said it would cover the next month 's payment. I have had this account for over a decade and have never had a late, this wasn't my fault. I would like for the late to be removed.
Consumer complaint received 2021-10-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Resources, Inc. (NM)

I am not liable for this debt with XXXX XXXXXXXX XXXX  XXXX and I do not have a contract with XXXX plus they did not provide me with the original application like I asked. 
Account XXXX : XXXX Amount Disputed : {$99.00}
Consumer complaint received 2021-04-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: GVA Holdings, LLC (GA)

I called to get my balance and they told me my balance was {$680.00} but I only borrowed XXXX and I've paid 18 payments of {$98.00} which equals about {$1700.00} but only {$18.00} went to the principal I ask them why and they told me that all the payments I made was interested payments so I asked them out of the {$98.00} I was paying only {$1.00} went to the principal for 4.5 months I told them that is usery and they can't do that they inform me that they where not under state or federal law because they operate under the laws of a tribe out of Montana
Consumer complaint received 2019-10-16
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. (TX)

XXXX  XXXX data breach and Equifax XXXX XXXX sending out fake letters that the fib stopped the data breach can they say that without a reasonable doubt why? DATA breach is a DATA breach how do you know the FTC violation that it will cause or already caused no one knows get it fixed
Consumer complaint received 2022-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (TX)

The debt collection Medicredit has violated HIPAA. 
They sending me mails to pay the amount they say i owe I sent them a certified mail asking them to send me a validation of the debt. 
They sent me copy of procedures and X amount charged.

They're violating HIPAA i DID NOT authorize them i DID NOT SIGN a HIPAA form authorizing this collection agency to access to my medical records they are VIOLATING HIPAA they are VIOLATING MY RIGHTS my privacy has been violated
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I contacted Fifth Third Bank several times at the end of XXXX and beginning-mid XXXX to notify them that I had changed jobs and my payday cycle was being changed. I told them that I would not be able to make my XX/XX/XXXX mortgage payment until the end of the month. Additionally I received a letter from the mortgage company that an additional {$140.00} was needed because the escrow was short. I contacted the company several times, and was told " no problem, as long as the payment is made before the end of the month it will not be reported to the credit agencies as being delinquent. '' I logged on to Fifth Third Bank 's website on XX/XX/XXXX at approximately XXXX XXXX to make my regular monthly mortgage payment as well as the additional money needed for escrow. The mortgage company did not process my payments until midway through the first week of XXXX. Additionally they sent me a follow up letter stating that they did not know what to do with the additional money I had sent them. Fifth Third Bank reported me as delinquent to all 3 credit agencies, even though I made the payment before the end of the XXXX month. I had to make several phone calls to the company about what to do with the additional money I sent them. They could not find any record of a letter asking for this additional money amount. Then at the end of XXXX I received another letter from Fifth Third Bank stating that they miscalculated my escrow and wanted me to send them over {$2000.00} in the next 15 days to fix the negative escrow balance, or they were raising my monthly mortgage payment by over {$100.00} for 31 months to make up the balance! 

This company does not return phone calls. When I asked them to listed to my recorded conversations I was told they could not locate my calls. This was not a mortgage company of my chosing. My original mortgage company has been bought out and traded several times since originally getting my mortgage in XXXX. I have paid my mortgage every month, with the exception of when I was hospitalized for several months due to XXXX on my XXXX back in XXXX, and at the time Fifth Third Bank was not the mortgage company. I have always paid Fifth Third Bank on time, with the exception of this one incident in which I called to notify them of a change in my paychecks. 

I am a XXXX who has been a frontline worker all during COVID. Despite living through and working a pandemic I always pay my bills on time. I am outraged that Fifth Third Bank did this to me. As a result my credit has dropped from a XXXX to a XXXX. Fifth Third Bank is refusing to correct this, and I am hoping you can help me.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
JPMCB CARD XXXX Date opened XX/XX/2014 Balance {$9000.00} // Charge Off