davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
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)

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. 

Account name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX  XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Number # XXXX Account Name : XXXX XXXX, Account Number # XXXX and Account Name : XXXX XXXX XXXX, Account Number # 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.

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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2019-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

I consolidated my loans with Fed Loan Servicing back in 2012. The way they handled payments while my loan is in deferment is deceptive and unfair. I made a large principal payment to my loan and specifically requested the payment go to my unsubsidized loan, as I am in deferment and my subsidized loan is not accruing interest. Instead of Fed Loan honoring my request, they ignored it. I made the payment on XX/XX/XXXX. I emailed and called, and after much persistence they finally reapplied my payment on XX/XX/XXXX. Since I am knowledgeable about how loans work and how accrued interest is charged, I understand how deceptive this company is. Many others who have student loans do not know this nuances, and Fed Loan Servicing goes out of its way to scam unsuspecting college students. If a student is in deferment, all payments should go to the unsubsidized loan. They would have to refund consumers millions, so I know that no change will occur, and the CFPB will do nothing to help people who actually need help.
Consumer complaint received 2022-06-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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 2022-06-13
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right top 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 2018-12-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/XXXX filed a complaint with Navy Federal Credit Union that my XXXX  XXXX had breached my personal and medical info. The bank agave me a credit of {$500.00} back. I had made a good faith appointment for the next week and paid {$500.00} deposit on XX/XX/XXXX. I went to the XXXXs online portal and my medical information that was password protected showed another patients information instead of mine. Clearly this is a web issue. I called upset on the XX/XX/XXXX am to share the breach the office staff agreed to cancel my appointment and refund my {$500.00}. The only problem XXXX  XXXX wanted me to give them my debit card info again. I said, I will not. Thats what prompted me to file with the bank. On XX/XX/XXXX bank adjustment of {$500.00} taken out of my account. No advance notice just said when I called XXXX XXXX showing cancellation policy. This policy was null and void when the XXXX breached my medical information. I should have received refund. This cause my account to not have funds to cover my expenses which created fees being charged on top of {$500.00}. I sent the bank emails sharing the events of messages and response from XXXX. On XX/XX/XXXX after 2 weeks of gruesome phone call with bank I did an appeal they still denied refund.
Consumer complaint received 2022-10-18
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company (NV)

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15USC 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a section 2, it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NC)

In XXXX of XXXX I was a victim of Identity theft and I filed a police report. There was someone attempting to open bank accounts and obtain other accounts with my ID and other identifying information due to someone stealing my information. I contacted Experian to dispute a company by the name of XXXX. I contacted experian and I disputed the inquiries and the actual debt. Experian removed the inquiry but left the debt. Subsequently on XX/XX/XXXX I filed a new dispute and uploaded police report Experian maintains debt is valid and disregarded police report and failed to provide me proof of validity of debt. I have not received any correspondence from this company outside of my credit report and calling the number abs sending in an affidavit via email disputing these three account.
Consumer complaint received 2020-12-14
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. (AL)

The account with XXXX XXXX was disputed with Transunion twice. The company responded that the account is reporting accurately twice. There is still inaccurate and incomplete information being reported. I have attached documents showing the inaccuracies. The other credit bureaus have already deleted this account as the information was inaccurate, incomplete and unverifiable. Also, there is no comment stating that the account was in dispute although I have disputed it twice. This is a violation. The balance of {$1700.00} is wrong. The balance should be {$0.00} as you see in the comments that the company wrote off the account with the IRS as a profit and loss. The past due balance is reporting as {$420.00}. How is this accurate if the balance is reporting as {$1700.00}? This is inaccurate information. The last active date of XX/XX/XXXX is inaccurate. I have not had any contact with this company or had any activity on the account in many years. The last payment date is reporting in XXXX. There has not been activity since this. Transunion is allowing inaccurate and unverifiable information to be reported. Also, no notes regarding my previous disputes.
Consumer complaint received 2017-09-16
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: Innovis (IL)

All four major credit bureaus XXXX, XXXX, XXXX  and innovis have illegally hoarded my person information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 4 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all four credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XXXX I spoke to a senior account manager at Capital One who said I could only get offered two options. The account manager understood very well that {$40.00} was my budget every month for this account. She then proceeded to tell me about two options, one was to pay {$63.00} for three months which would go towards the minimum payment due which is an inflated amount of {$190.00}. The other was to have a lower apr of 7 %, pay {$17.00} a month, have no access to the card and when the balance is paid off the account would close. I have asked repeatedly to have the late fees that I was charged for XXXX and XXXX waived so that I can manage my card again. As you can imagine my balance has been artificially inflated due to their late fees which they kept repeatedly accruing despite the fact that I am making payments on a timely basis. I have said in my previous case number XXXX that they were enriching themselves and not willing to work with me. CFB made it a point to close the case as soon as the company responded. This despite their unwillingness to work with me by giving me a hardship plan and the other retaliatory. I have been a customer with Capital One since 1999 and they could care less about losing me as a customer. They see my complaint as justification to close my account. This shows their business practices which are unfair and retaliatory. I am trying to work with them and they are refusing to work with me. I don't care what their terms and conditions are. They are exorbitant unfair and need to be changed.
Consumer complaint received 2020-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American First Finance, Inc. (FL)

The company was american first finance debt was for furniture which was pain in time and account was closed.I call the company and ask about the issue and company say the account is closed so i shouldnt be receiving any unpaid amount at all.XXXX my deb was {$890.00} was paid of XX/XX/2020 but on XX/XX/XXXX i check my credit i was a collection for {$1300.00} saying auto loan and that the original amount was for {$1900.00}
Consumer complaint received 2022-06-13
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right top 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 2020-12-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2018-04-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On XX/XX/XXXX we told supervisor XXXX to stop calling this number. On XX/XX/XXXX we told operations manager XXXX XXXX to stop calling us after we were called by them again. On XX/XX/XXXX after they called again we told operations manager XXXX XXXX to stop calling here. We told them all that this is our church office and they are calling the wrong number. XXXX refused to stop the calls. I have called my lawyer to report the harassment.
Consumer complaint received 2022-06-13
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right top 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 2022-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

I was scammed into sending a deposit for a dachshund puppy by Paypal friends & family. The scammer did not show up at the meeting location and time and stopped responding to attempts to contact them after receipt of the deposit. I tried to file a dispute with PayPal & later found out from Paypal that I had no buyer protection for this transaction. I sent {$100.00} on XX/XX/2022 and another {$100.00} supposed to cover vet visit and microchipping on XX/XX/2022. we were supposed to meet Saturday XX/XX/2022 at XXXX at a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  NC XXXX XXXX My husband and I drove XXXX XXXX mon each way. email address for payment was XXXX and XXXX XXXX was the person posting on XXXX XXXX that she had said puppies for adoption.
Consumer complaint received 2020-01-31
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. (GA)

I was trying to cosign for my mom a new vehicle, and my salesman told me that my credit was too low accept me as a cosigner. I asked him to review my credit report for me. There are several student loans and collection accounts that do not belong to me. I never even went to college in my life. Please remove these items from my report. 

XXXX XXXX {$1000.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$96.00} XXXX  XXXX XXXX {$350.00} XXXX XXXX XXXX {$67.00} XXXX  XXXX {$41.00} XXXX  XXXX   XXXX {$6700.00}
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/XXXX, I spoke with a Capital One agent ( did not get his ID # ), he was unable to resolve my issue concerning being unfairly accessed interest on a {$0.00} balance. I asked to be transferred to his supervisor or his manager. He transferred me to an account manager. She stated that her name was XXXX and ID # XXXX. 

I asked about the restriction that hasn't been removed from my account. XXXX stated that I would need to make THREE ( 3 ) on-time payments for three consecutive billing cycles before the restriction is removed. When I spoke with an account manager last month I was told that after my payment cleared, wait TEN ( 10 ) business days and the restriction would be removed. I am being accessed interest unfairly and if I refuse to pay it, I will be accessed more interest and late fees which will continue to restrict my account. I reached out to Capital One in XXXX of XXXX about the financial hardships that I was experiencing due to the pandemic and employment. I was denied any kind of reprieve. They stated in XXXX that they stopped accessing late fees on my account in XXXX. I was able to secure resources to pay my balance off in full. Previously, sometime last year, I was told by a Capital One account manager that if I paid the CURRENT BALANCE and NOT the statement balance that would avoid any interest fees being accessed to my account after I made a payment that would pay the account off in full. I paid the CURRENT BALANCE in full on XX/XX/XXXX which left a {$0.00} balance on my account. My account received an interest charge two weeks later on XX/XX/XXXX. They were unable to explain to me how an account with a {$0.00} balance could receive a interest charge. At that point I just requested that the charge be removed. They refused and when I asked to speak with her manager or supervisor, she stated that her managers and supervisors do take calls. I asked for an email address and she stated that she would not give me that information and that she was the last line of contact. When I requested that the account manager, XXXX, give me her name and spell it for me she seemed hesitant. I also requested the name of of her manager or supervisor along with their ID # and she said her name was XXXX and " they '' would know who she was when I relayed that information. I stated that I needed this information for the formal complaint that I would be submitting to the CFPB. She stated the she could/would be submitting a complaint as well. I asked her what complaint would she be submitting in regards to a customer refusing to pay a bogus interest charge accessed to their account. 
This is unfair and predatory business practices on behalf of Capital One.
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

1. Invalidated Inaccurate unauthorized inquiry. 
BK OF AMER Date of inquiry : XX/XX/XXXX PLEASE DELETE IT FROM MY CREDIT REPORT. 

2. Unverified Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Unverified Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Unverified Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. Unverified Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. Unverified Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. Unverified Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

8. Unverified Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

9. Unverified Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

10. Unverified Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

11. The last reported date is XX/XX/XXXX but according to the other credit bureaus the last reported date is XX/XX/XXXX and XX/XX/XXXX. That can not be possible. How can an account have different last reported dates if the information is coming from the same s XXXX Account Number : XXXX PLEASE DELETE IT FROM MY CREDIT REPORT. 

12. Unverified Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX PLEASE DELETE IT FROM MY CREDIT REPORT. 

14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE DELETE IT FROM MY CREDIT REPORT. 

15. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE DELETE IT FROM MY CREDIT REPORT. 

16. The inquiry was not authorized BK OF AMER Date of inquiry : XX/XX/XXXX PLEASE DELETE IT FROM MY CREDIT REPORT. 

17. The inquiry was not authorized BK OF AMER Account Number : XX/XX/XXXX 18. BK OF AMER Date of inquiry : XX/XX/XXXX 19. XXXX XXXX XXXX Account Number : XXXX Thank You Sincerely yours, XXXX XXXX
Consumer complaint received 2022-06-13
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: Experian Information Solutions Inc. (CA)

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 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
Consumer complaint received 2022-05-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (LA)

I disputed a collection on my credit report 's all 3 of them by doing a dispute online and then by letter asking to remove inaccurate credit information ( XXXX XXXX XXXX ) bought a bad debt which had been charged off by the original creditor that has fallen off my credit report, I did not have a contract with them and they are reporting on my credit report and by law you must not report any inaccurate information on my credit report and that is inaccurate because I didn't have a contract with XXXX XXXX XXXX, when I checked with Experian I was told it was valid!