davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-23
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. (OR)

In accordance with the Fair Credit Reporting Act the following businesses and accounts violated my rights : XXXX XXXX account number XXXX. 
XXXX XXXX XXXX XXXX  account number XXXX. 
Department of Education account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX XXXX # XXXX account number XXXX. 
XXXX  account number XXXX, and XXXX. 
XXXX XXXX XXXX account number XXXX. 

Employment information - XXXX XXXX XXXX XXXX XXXX. 

Hard Inquires : 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 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 2022-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/24, my debit card with Wells Fargo was used without my authorization at a XXXX in XXXX, CA. It had been skimmed when I used it earlier that evening at a XXXX in XXXX XXXX, CA, where I reside. I was not in XXXX at the time my card was used, and XXXX is an hour and a half from my home. My card information was used for nine different purchases, totaling {$890.00}. I do not have a history of this kind of behavior. I reported this to Wells Fargo, and they gave me a provisional balance of {$1200.00}, which also included a mistakenly flagged XXXX transfer to my wife, which was reversed out of her account and which I have since repaid to her. 

Today, Wells Fargo reversed the provisional payment as their internal investigation determined that this was not fraud. I'm at a loss here, as I did not authorize these charges, nor was I in XXXX at the time they were made. I don't understand how unauthorized use of my card information does not constitute fraud.
Consumer complaint received 2022-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MA)

I hold mortgage with USBank for my home. I put down 25 % and my LTV is less than 70 %. Per USBank website https : //www.usbank.com/home-loans/mortgage/first-time-home-buyers/what-is-an-escrow-account.html I asked them to remove or waive my escrow account in writing on XX/XX/XXXX ( ish ) and I received a letter from USBank that my request for waiver is approved but I must pay 1200 in fee. Per their website and ltv rules I think it is illegal for USBank to demand a fee to cancel my escrow. when I have been never late for my payments.

On top USBank is illegally asking for more cushion than required by federal rule. 
I tried to speak to USBank rep XXXX and was told that is the fee and its in my loan closing clause but there is no clause in the paperworks provided to me but even if there was I feel its illegal
Consumer complaint received 2022-03-19
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. (FL)

I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. 

XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$210.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. Thank you. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00} There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Consumer complaint received 2022-03-19
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: SYNCHRONY FINANCIAL (AL)

I received a letter from Synchrony Bank regarding my XXXX account, they advised that my credit limit was being lowered from {$1300.00} to {$320.00}. I emailed the companys president, XXXX XXXX, to advise of my unblemished payment history with the synchrony account and to see if my credit limit could be restored. 

My personal research revealed that the company will lower your credit limit if your credit score drops, to mitigate risk. I am currently in debt consolidation, and it was imperative that I have the positive reporting items on my credit profile. When Synchrony dropped the credit limit on the sweetwater account, the credit usage went from 20 % to 100 % usage, therefore exacerbating my credit issue. On XX/XX/2022, I received a response from XXXX XXXX, a representative of the company. She advised that they would take a look into whats going on. Approximately two weeks later, I received notification that the synchrony sweetwater account was now closed. In XX/XX/2022, the company reported to the credit bureaus that the card was actually over the credit limit. It was reported that the limit was {$300.00} even though the mailed correspondence said the new limit was {$320.00}.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have been actively working on improving my credit scores. I have filed disputes with XXXX XXXX, XXXX  and Equifax. Directly and now through your support. 
Today, after filing my dispute with you last week, XXXX XXXX is reflecting my Equifax score went down 23 points and there is no changes reflecting why it would go down. 
So, are they punishing me for filing with you? Is XXXX XXXX wrong? Equifax directly does not reflect a 23 point drop, although my score did go down. 
And if you review my previous complaint, XXXX XXXX told me my score went up 57 points when it did not move. 
How can we as consumers be expected to follow their reporting when it is so inconsistent and presumably not accurate? Not too mention the impact these erroneous reports have in our abilities to purchase items that rely on these same credit scores. 
I NEED HELP PLEASE?
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax pretends they are investigating. Equifax responded they investigated XXXX  XXXX, which I NEVER made a complaint about. 

The hard inquiries ( XXXX XXXX XXXXXXXX XXXX ), 200 SOFT INQUIRES, and 2 accounts from ( DEPT OF ED/XXXX  ) was never removed as I demanded. I NEVER GAVE MY CONSENT OR PERMISSION to report. I provided the FTC report on multiple occasions including uploading it to the prior complaint through CFPB and STILL Equifax is getting away with reporting inaccuracies to my consumer report. This is unjust, this is FRAUD. This is an on-going pattern.
Consumer complaint received 2022-03-19
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$210.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. Thank you. 

XXXX  XXXX Date opened XX/XX/XXXX XXXX {$3900.00} There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$210.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. Thank you.
Consumer complaint received 2015-07-23
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: General Motors Financial Company, Inc. (TX)

I was put on an auto loan as co-borrower, the borrower and I are divorced and he has me on a loan that he has defaulted on purpose because I filed for divorce and divorced him. Im now trying to move on with my life and now this issue has come up. I would like to have myself removed from this loan that is hurting my credit. Im being held responsible for his actions and Im not driving the car that is in question.
Consumer complaint received 2023-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX was a told that someone from XXXX  called and asked me questions to open a new credit line, when I called XXXX they said no one from XXXX had called. Prior to incident I filed complaints with XXXX, they said they would take care of the situation, they did not it escalated, making it so I continually called them. After the incident the situation escalated at which time I filed reports with Gov agencies including the Cfpb. At this point XXXX admitted they had made computer errors, I I have this on tape and they had to manually fix the errors. They apologized but did nothing. I have not received anything from discover. Multiple identity theft reports were made since last year into this year.
Consumer complaint received 2022-03-19
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. (CA)

My vehicle was illegally repossessed the day after I made my payment and brought the account current. I communicated with the business that I was sending the payment, but my vehicle was repossessed anyway. The lender immediately released the vehicle, but I was still charged the repossession fees and my credit report shows the vehicle was repossessed. The lender justified this by stating that their systems are not connected so they could not stop the repossession after the payment was made. I fail to see how errors on their end are my liability. I have attempted to log in to get a copy of the transaction records which show the payment posted the day before the repossession, but the business has since locked me out of my account.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Date : XX/XX/2023 There is information on my consumer report that is a result of identity theft I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. Please remove the identified transaction from my account. It is hurting my ability to obtain credit.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CA)

Monthly Statement showed the requested cash out ( transfer ) of reward/award points from survey sites of {$480.00} was erroneously recorded as a " Cash Advance '' ( transfer ). First contact with Paypal was made XX/XX/XXXX with Service Rep XXXX ; Second XX/XX/XXXX : Third and Fourth on XX/XX/XXXX and XX/XX/XXXX. Finally, I am sending the un-cashed check voided to Paypal with notes regarding their failed customer service process. I will further comment to each of the Survey sites these funds were earned from, letting them know why I will be discontinuing my participation in their product, survey and product panels going forward! 
I refuse to pay for receiving monies I have earned..
Consumer complaint received 2022-03-21
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 2016-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (WA)

I attended XXXX XXXX ( a for profit school ) XX/XX/XXXX-XX/XX/XXXX and received a certificate upon completion with no job placement assistance ( as they promised as part of their marketing tactics ) and immediately after completion, the school closed. I did not benefit from the school in any way including finding employment or assistance with any other issue. I also enrolled in the XXXX University online degree program in hopes of getting somewhere more beneficial and later found that credits were not transferable, so I withdrew immediately to attended a credible state university and the school received student loans with no return to lender or refunds. I am asking for relief from these loans as the XXXX College ( AKA XXXX XXXX ), is under investigations for the same fraudulent practices to recruit students, stealing information, harassment and other financial problems and not getting anywhere with this costly nightmare.
Consumer complaint received 2024-04-08
Product: Credit reporting 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. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: GOLDMAN SACHS BANK USA (AL)

I had a XXXX credit card with XXXX XXXX In some kind of way my information was sold to Marcus Goldman Sachs. They repeatedly called me asking for payment when I didn't sign a contract with them or consent for them to have my private information. They also are reporting late payments when according to 15 USC 1666b, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This creditor consistently violates my consumer rights and, under the FDCPA, is considered a debt collector. They are furnishing a deceptive form to deceive me into thinking I owe a debt when in fact, I do not. I didn't borrow anything from them pursuant to 12 USC 83 as a bank can not loan its own stock and 18 USC 8 that all debt is the obligation of the United States. A debt validation letter is also attached.
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I have tried for 3 days this past month to pay my credit card via -- online account -- Smartphone app -- telephone -- HSBC chat help via phone app and online account I am attaching the only error screen that is available to me, when I try to make the payment online. The problem is not with any of my devices, the credit card iself, or the payment bank account, as all these have been successfully used elsewhere during this time. 

I am currently on the phone for over 2 hrs 15 minutes, waiting for help. 

My due date is approaching, and this is my last chance- I do not have hours to spend on this. There is a problem with the HSBC system, where the methods I have used for the past year or so are no longer working. The only help I have received is form a chat representative who told me that the " system was being updated '', and from a phone representative, after an hour or so, saying that the " manager hours and over ''. 

As soon as I can pay off this minor amount, I plan to cancel the credit card.But I would like some record of my good faith payment tries, if I am unable to pay.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

My vehicle was illegally repossessed the day after I made my payment and brought the account current. I communicated with the business that I was sending the payment, but my vehicle was repossessed anyway. The lender immediately released the vehicle, but I was still charged the repossession fees and my credit report shows the vehicle was repossessed. The lender justified this by stating that their systems are not connected so they could not stop the repossession after the payment was made. I fail to see how errors on their end are my liability. I have attempted to log in to get a copy of the transaction records which show the payment posted the day before the repossession, but the business has since locked me out of my account.
Consumer complaint received 2022-03-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Glasser and Glasser, PLC (VA)

Glasser and Glasser of XXXX, Virginia have come for the debt several times. Glasser and Glasser took action to have my wages garnished ( Warrant Debt ) Case # XXXX in through XXXX XXXX General District Court started in XXXX. I called and set-up a payment plan making monthly payments with them for XXXX. I missed one payment which I doubled on XX/XX/XXXX for XXXX. Again, on XXXX XXXX, XXXX they went to garnish my wages, now I was still making payments to them until XXXX XXXX, XXXX. The company I work for denied their request. 

I haven't heard from Glasser and Glasser until today, XX/XX/XXXX ... asking me to make payments again. When will the harassment stop with the company about a debt that has been charged-off by XXXX XXXX. They purchased this debt back in XXXX. It's been six years since then. Please note that my account with XXXX XXXX has been removed from my credit report. 
My name is XXXX XXXX at the time of the debt it was XXXX XXXX XXXX XXXX 

If they can restart collecting debt again after 5 years when will the harassment stop for the consumer.
Consumer complaint received 2019-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

It's been 20 days ( as of XX/XX/XXXX ) since Capital One learned of their massive data breach of credit card customers. I have used their credit services since XXXX, and to date have received NO communication from Capital One regarding the hack or what information of mine was compromised. They only have general information and FAQs on their website. I just called customer service and they could not tell me what information of mine was compromised, including potentially my SSN and outside bank account number. Their lack of transparency regarding my own information after nearly 3 weeks is very concerning and I want answers.