davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (WA)

Every year I have problems getting my credit report from Equifax. I just received my most recent report after considerable effort following a complaint through the annual credit report website. Upon reviewing the report, I noted that the new report does not indicate the existence of my credit freeze or promotion block which were conspicuously set forth on last year 's report and are always on the face of all my credit reports. I have attempted to resolve this and confirm my credit freeze and promotion block by contacting Equifax only to run into the same roadblocks that I encounter every time I have to deal with them. 

I need a credit report that indicates the existence of my credit freeze and promotion blocks to assure me that it hasn't been removed without my permission. I do not trust Equifax to recognize my credit freeze if it is not confirmed on my report. I have had my personal and credit information compromised by their incompetence in the past.
Consumer complaint received 2019-11-18
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. (GA)

the fcra requires all beureas to report factual and accurate information at all times and these invalid accounts on my credit report are in violation of fcra sec 609 and 623 - b as well as fdcpa 807-8 i request with legal rights that these incorrect accounts be removed immediately or i will procede with civil litigation for violations of the statutes
Consumer complaint received 2017-09-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NH)

I have a private loan through one of my first colleges and it was previously XXXX XXXX and when I became currently XXXX this was the only company that all the sudden went from XXXX XXXX to this company which is a collector or whatever I 've been making payments for the last five almost 6 years and my balance has not gone down at all and when I called them they said well if you want to pay the full balance you can do that I explained again that I 'm XXXX XXXX and on a fixed income All of my other loans XXXX signed offer my doctor due to low income and the stress of dealing with all of it because it causes me XXXX when I get stressed out or end up in the hospital and I 've called them before saying why is my bounds going down my been paying consistently for the last 5-6 years and they said because your interest-rate and it 's never going to go down you 're just gon na keep paying until u are willing to pay more. They do n't care I ca n't afford it they are making a lot of month off me over the years this should have been paid long time ago but wo n't work with me on interest rates or anything plus this small amount could have been gone had they not sold to this company
Consumer complaint received 2020-12-15
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

In XX/XX/2020 USAA Savings Bank added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, USAA Savings Bank has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
Consumer complaint received 2022-08-25
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (IL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there several inaccuracies showing on my report? 

CITI BANK is in violation of U.C.C 1-308.4, HJR 192, 12 U.S.C 411 , U.C.C 3-603 , and U.C.C 3-311. 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Consumer complaint received 2018-04-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation (OK)

Avant has miscalculated our loan and refuses to fix this. I have been told that this is what we agreed to, and even though they know that they are overcharging us, that we have to live with this. 

The total interest that should be paid on a 48 month loan at 29.1 % should be {$8800.00} over the total life of the loan. We have already paid over that at {$9500.00} in just 3 years. They refuse to recalculate this and refuse even to give us credit on larger payments that we have been paying. 

Please see the attached payment schedule. 

Thank you so much for your help, XXXX and XXXX XXXX
Consumer complaint received 2016-12-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (AL)

My complaint is that Regions Bank conducts fraudulent business practices, specifically reordering of transactions and giving fraudulent account balance information. I had a positive balance in account as of XX/XX/2016, made several transactions from account on the XXXX. Checked balance on the XXXX which showed positive balance after those transactions of the XXXX. Made an ATM withdraw on the XXXX which put account into negative status and understandably incurred an overdraft fee. Checked account on XXXX to find transactions reordered which cause my account to incur multiple overdraft fees instead of one fee.
Consumer complaint received 2018-10-17
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. (TX)

XXXX XXXX XXXX - XXXX Division and XXXX  XXXX XXXX XXXX XXXX dba XXXX   XXXX XXXX XXXX are in violation of Tex. Fin. Code 392.402.404, Sec. 392.101. BOND  REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.

( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.

( c ) The bond must be in the amount of {$10000.00}.
Consumer complaint received 2020-07-25
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 — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION (DC)

I have a loan with XXXX XXXX XXXX, PENTAGON, XXXX XXXX, XXXX XXXX  XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting all 3 Bureaus and XXXX XXXX XXXX, PENTAGON FEDERAL CR UN, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2018-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSI Enterprises, Inc. (AZ)

My small business phone receives messages from RSI Enterprises at least twice a month stating that they are calling about dept collection. I am trying to conduct my business and these messages are being relayed to my employees that answer the phone continuously.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in accordance with the fair credit reporting act XXXX  account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account number : XXXX has violated my rights. 15 u.s.c. 1681 section 602 ( a ) states that I have the right to privacy. And 15 u.s.c 1681 section 604 ( a ) section 2 further states a consumer reporting agency can not furnish an account without my written instructions. this is a violation and improper use of my credit report ( s ).
Consumer complaint received 2021-10-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XXXX, my wife and I applied for a refinance loan # XXXX with Bank of America. The rate was locked at 2.875 % for 90 days with the estimated closing costs of {$3400.00} which included a lender credit of {$210.00}. On XXXX, supervisor XXXX XXXX sent us an email stating that BOA has denied our loan due to the listing of our primary residence for sale. Supervisor XXXX XXXX never informed us that we should not list our property for sale, even though this was discussed with her. In his same email sent on XXXX, XXXX XXXX also stated " However, if you were to re-apply today I have received confirmation that we can provide you with the original pricing on the loan application that is being denied ''. On this same day of XXXX, our email was sent to XXXX XXXX stating that we would accept BOA 's offer for 'the original pricing on the loan application that is being denied '. On XXXX, we received five large envelopes from Bank of America with new loan documents on a new loan # XXXX. These documents show that XXXX XXXX prepared these document on XXXX. This new loan is no where close to being the same " original pricing on the loan application that is being denied ''. The estimated closing costs are approximately {$3000.00} higher. And, there are other numbers that are not the same. We have also recently informed supervisor XXXX XXXX of this problem, but he seems to not know what is going on with this mess. We did not want to start over and do a new loan. We do want the same figures on this second loan as the first loan.
Consumer complaint received 2021-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE BANK USA N {$2000.00} Account number XXXX Account status Closed Date opened XX/XX/2016 Account type Credit Card IVE previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account :
Consumer complaint received 2022-06-12
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. (GA)

These accounts are not mine. The bureaus failed to verify these accounts and this is grounds for deletion. Accounts ar XXXX XXXX Act # XXXX and XXXX XXXX, Acct # XXXX. The FDCPA and FCRA was violated.
Consumer complaint received 2020-12-04
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Please refer to FTC Report # XXXX Identity Theft regarding Covid19 Unemployment Compensation. 
On XX/XX/2020 I received alerts from XX/XX/XXXXXXXX Card, and Merchants Solutions regarding a hard credit check that had been process using my name and social security number. 
While reviewing my XX/XX/XXXX Credit Report I found an wrong address under my name. The fraud account was placed under : XXXX XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX. A fraudulent telephone number using my name was also on the report. Number XXXX. XXXX said that the fraudulent address belong to a company called XXXX XXXX. 
While reviewing my XX/XX/XXXXCredit Report the fraudulent telephone number also appeared in the report under my legal name. XXXX. 
The fraudulent credit card was from Capital One/Cabelas, XXXX Capital One XXXX XXXX, XXXXXX/XX/XXXX XXXX and also from Capital One/Cabelas, XXXX XXXX XXXX. XXXX XXXX XXXX, UT, XXXX XXXX XXXX. 
I telephone Capital One 's Fraud line at XXXX and reported the Fraud. They told me that the credit card was not issued.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After viewing my credit reports I noticed accounts on my reports that were fraudulent under a bankruptcy. I filed an identity theft report with the Federal Trade Commission about these accounts. XXXX, XXXX  and Transunion removed the fraudulent accounts under this bankruptcy, but left the Bankruptcy on my reports with no accounts attached or any other verifiable information. I have sent several dispute letters to each credit bureau demanding the removal of the unverified and inaccurate information on my credit reports. The bankruptcy is reporting an account number and bankruptcy court information on all 3 credit bureaus. They have failed to verify that this bankruptcy belongs to me. They have failed to contact the Original source of the information which is the Bankruptcy Court. I contacted the Bankruptcy Court and was told they do not give any personal information to any third party source. I also asked them about the account number reported on my credit report and was told they can't tell me who's name it is because of confidentiality even though it's public record. They took my Driver 's license and said that it wasn't my name under that account number. I explained this to a representative at XXXX. I asked the above credit bureaus to verify my name and full social security number for the bankruptcy and they failed to do that. XXXX sent me a letter asking for my drivers license and social security card, I submitted the information to them.
Consumer complaint received 2022-06-15
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. (CA)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX TO WHOM IT MAY CONCERN. 

This account listed below is a complete VIOLATION of the NO SURPRISES ACT DELETE the listed account ( s ) below immeditely from my consumer report. 

XXXX XXXX open date XX/XX/XXXX last reported XX/XX/XXXX XXXX XXXX XXXX open date XX/XX/XXXX last reported XX/XX/XXXX
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-21
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. (NV)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-07-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2022-07-21
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. (WA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX  XXXX XX/XX/2022 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
Consumer complaint received 2021-10-27
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. (CA)

My Student Loans totaling {$71000.00} were closed when I started receiving Social Security XXXX. XXXX reopened CLOSED STUDENT LOANS. I am XXXX  XXXX. I have tried to resolve this issue with XXXX. 
I am XXXX years and I have been XXXX XXXX since XXXX. 

My student loans were closed In two parts XX/XX/XXXX, XXXX XXXX XXXX XXXX have harassed me relentlessly calling, send letters and emailing me. 


Attached are copies of closed accounts
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-15
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-15
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-15
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)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX XXXX, account # XXXX XXXX XXXXXXXX XXXX has violated my rights. 

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (MO)

I had a fence put in XX/XX/2017 and was told there would be a 24 month deferred no interest, I got my bill and saw it was only 6 months, I called Wells fargo several times and they told me the agreement was with the fence company not wells fargo, yet I am paying wells fargo credit card. I have been paying every 2 weeks and now they have put a XXXX interest rate on my card on the XX/XX/XXXX statement.