davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
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. (MO)

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX ( XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  ) account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX ) account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX ( XXXX ) account # XXXX, XXXX ( XXXX ) account # XXXX, XXXX ( XXXX ) account 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-01-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I had a semester at my university that I wound up withdrawing from when my father spent several weeks nearly XXXX in the hospital, during the same time my grandmother died, and I, myself, experienced symptoms of what I later found out was XXXX  ( at XXXX! ), all while having a lot of conflicts with faculty members. I couldn't get a refund and for the next 2 semesters, I was JUST short of paying, using the subsidized loan, and took out very small loans from Navient. This was fall of XX/XX/XXXX.

I'm an autistic man who is having difficulty finding work, even with an XXXX degree. It's XX/XX/XXXX. Somehow, my total student debt, which was about XXXX at graduation, is now nearly 30,000. I deferred as long as I could and went on income-driven replacement with XXXX income when that stopped being an option.

What almost always happens is that Navient doesn't notify me when I need to fill out a new application for income driven replacement, I miss a payment deadline, get some kind of fee, and have my debt buildNot to mention that 6.2 % is a CRIMINALLY high rate to charge a person for education, when civilized countries in the world have education free. I have strong suspicion that Navient gets extra fees from customers by design.

My credit is going to be too low for me to get an apartment if I try to move anywhere for employment.

This is just not right.
Consumer complaint received 2023-03-26
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. (FL)

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 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 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (VA)

Almost 2 years ago when my puppy needed a XXXX, I opened a line of credit with Care Credit, run by synchrony bank. I set an autopay far above the minimum payment. Then occasionally checked the list of Promotions, in case any payment is getting expired I would pay it off. I missed to do so for 3 months in 2022. Once I checked the statement in XXXX, I was charged almost {$500.00} interest. I have been charged almost {$1300.00} up to now. I called them to figure out where such a big charge is coming from. I was explained that right now I have {$3800.00} non-promotional balance, which is accruing interest ( I guess 2.25 % ) daily. I have never paid interest on a credit card and I thought I missed 1-2 months here and I can catch up. But their website and statements are designed in a way to confuse people NOT showing at all these accumulated debt. When I asked how can I pay to clear that hidden debt, I was told I can not pay directly. I have to " call '' and ask them to allocate an amount to the non-promotional charges. That being said, when you call the number behind the card, XXXX, there is NO options to talk to a representative. The machine just gives you the information of your statement. Then asks if you want it to be repeated, or be sent to your phone as a text message!!! I kept clicking 9 and 0 randomly, eventually the machine understood I want to talk to a person. The whole system is designed for people to fail, or give up. Statement is pretty deceiving, present you the minimum due and charges but NO clear way to understand why your total debt doesn't reduce.
Consumer complaint received 2022-07-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA (GA)

My identity was stolen me and my family will be facing XXXX due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED Companies listed below are reporting accounts obtained thru identity theft KIA MOTOR FINANCE {$21000.00}
Consumer complaint received 2019-09-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Automatic Data Processing, Inc. (IN)

On XX/XX/2019, {$180.00} was transferred from my " Wisely by ADP '' paycard into an unknown bank account. I have spent weeks calling ADP 's fraud department and being told that a letter is supposed to show up in 7-10 business days each time it was sent out. I am now 11 days into my third " 7-10 business day window and haven't received the letter saying what happened to my money. Everytime I ask to speak to a supervisor they put me on hold for 10 minutes and then tell me they are busy and will call back within 24 hours but never have.
Consumer complaint received 2023-02-07
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)

XXXX XXXX is not licensed to collect in the State of Texas. 
They are reporting these two accounts on my credit report without proper notification, reporting inaccurate dates opened because they bought the debt and without a license to collect : XXXX XXXX : Account Number : [ XXXX ] XXXX XXXX : Account Number : [ XXXX ] These transactions are reporting ILLEGALLY on my consumer report. Also, my name is XXXX XXXX, and not XXXX XXXX. Please delete immediately, and send me an updated copy of my report please. Thank you.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

My wife and I decided to purchase a house. On XX/XX/2020 we continued working with XXXX XXXX from XXXX XXXX on a mortgage application. He tried to use LexisNexis to identify me over the phone, but I was unable to pass the questions. The questions were worded such that someone who only vaguely knows me would probably be able to answer them correctly. But I could not answer the questions correctly because I am me, and I know the correct details. This was the third time, where I am trying to be identified over the phone with some financial institution and I was unable to be verified. 

Now, yesterday, XX/XX/2020, my XXXX XXXX was supposed to have wired money to the XXXX XXXX for closing on this house. Customer Service from XXXX XXXX XXXX XXXX tried to identify me using the LexisNexis service. They were unable to verify my identity and consequently they DID NOT WIRED MY FUNDS TO TXXXX XXXX XXXX  The representative was supposed to call me back after checking with his boss, but never did. Now we are facing delays or contractual penalties, because of a potential delay in our closing on the house. 

This morning a rep from the XXXX XXXX called me back again to verify my identity using LexisNexis. There was another question about an " XXXX XXXX. '' I do not know an XXXX XXXX. I have a daughter named XXXX, and an EX WIFE named XXXX XXXX XXXX XXXX. So what gives? If they are trying to Uniquely identify and verify who I am, shouldn't they have VERIFIED and CORRECT INFORMATION about who I am? I answered the question about " XXXX XXXX '' as if it were XXXX, my daughter, and I passed the test this time.
Consumer complaint received 2022-07-26
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. (MO)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX 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 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/2020
Consumer complaint received 2022-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: OLD NATIONAL BANCORP (IL)

I receive a biweekly XXXX transfer from the father of my children every two weeks in the amount of {$1000.00}. On XXXX XXXX various changes were made to my First Midwest checking account by Old National Bank as part of their acquisition of First Midwest ( outlined in a separate complaint ). During this transition of my account the XXXX payment was lost, and all attempts to recover the funds have so far failed. XXXX, the originating bank, confirmed that the payment was successfully completed to my account. However despite this evidence, no one at Old National is either willing or able to locate the money, which has left my account overdrawn for the past two weeks and has forced me to beg and borrow money just to make ends meet. I have tried calling XXXX myself, but they refer me back to Old National and Old National has been unwilling to talk to XXXX on my behalf.
Consumer complaint received 2022-07-26
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. (NJ)

I check my credit report and noticed that there were inquiries that I never consented to or did I ever benefit from them in any shape or form. I was told my information was leaked in a data breach with XXXX and XXXXXXXX XXXX recently as well. This keeps occurring with random inquiries popping on my report.
Consumer complaint received 2022-08-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (OH)

Rocket Mortgage send XXXX pre-approved email and I spoke with someone from Rocket Mortgage said I was pre-approved. When starting looking for realtor and house to purchase. Rocket Mortgage said I wasnt approved. I felt like I was being discriminated because of my race.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/2020
Consumer complaint received 2019-09-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Yesterday I received a call on my work phone from a private number at XXXX XXXX. I had another call at XXXX XXXX  ( again restricted ), XXXX XXXX, and XXXX XXXX from XXXX XXXX XXXX. They violated the Fair Credit Collection rules and are now harassing me at my place of work. I am making a formal complaint regarding their actions. They can not, according to the Fair Debt Collection Practices Act : a ) call me at work ; b ) threat or harass me ; c ) falsely claim legal action can be taken again me ; d ) contact me anonymously ; or e ) contact me after I specifically direct you not to. 

The person who contact me anonymously on XX/XX/2019 at XXXX XXXX EST was unprofessional, rude, harassing, threatening, commented negatively on my character, and provided legal information that was inaccurate in an attempt to scare me into paying a debt that I have already paid. She indicated that this call was recorded but did not provide me with her full name, ID number, or contact information. If I were you folks, I would pull up the recording and listen to it she was seriously over the line, unprofessional, inappropriate, harassing, and quite frankly, rude and wrong. I have paid the debt to Capital One and informed her of such but she was really, really obnoxious. I finally told her to have a nice day and hung up but they are still calling.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, still a few account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus is obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXX Balance Owed : {$4600.00}
Consumer complaint received 2022-07-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I was victim of a scam due to a person posing as a delivery service who wanted funds in order for a package to be delivered to me from overseas. A total of {$8900.00} funds were transferred via XXXX, XXXX, and wire transfer. On XX/XX/2022 transaction of {$1500.00} and {$1900.00}. On XX/XX/2022 transaction of {$500.00}. On XX/XX/2022 transaction of {$1200.00} and {$3700.00}. Wells Fargo Bank will not return funds due to dispute is not valid via 3rd party, XXXX since it was not a " transaction error ''. Some other transactions are under investigation still but all funds should be returned due to being a victim of a scam, which the bank should be understanding of the situation. There should be a better resolution instead of informing their client that there is no transaction error so funds can not be returned.
Consumer complaint received 2018-11-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Notice violations under the FCRA : The CRAs are repeatedly failing to identify their source within their responses to the prior disputes related to the incorrect public records listed on my credit report. 
The three Bureaus are not investigating and not providing the third party vendor. 

Rule Violated : A creditor fails to notify consumer when it supplies negative credit information to a CRA. The Credit Bureaus/CRAs have failed to identify the vendor or source of the two public records listed on my credit report : Pursuant to Federal Bankruptcy Court rules is the court does not supply the credit bureau ( s ) with any court records. 

XXXX  ( XX/XX/2018 ) does not list the VENDOR or SOURCE who provided the public records, as the address on the public record is Notice violations under the FCRA.

TransUnion ( XX/XX/2018 ) does not identify the VENDOR or SOURCE of the public record as the address on the public record is Notice violations under the FCRA. 
XXXX  ( XX/XX/2018 ) does not identify the VENDOR or SOURCE of the public record as the address on the public record is Notice violations under the FCRA.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Purchased a XXXX  from a XXXX advertisement for {$91.00}, never received it and website does not exist anymore. I have cameras and no one showed up to deliver. Called to dispute because I never received said XXXX XXXX. Capital One claims they sent a letter for me to respond to but I never received it and now they closed my case. 
Because the file is too big, here 's two links to view the videos showing that no postal service stopped at my house at XXXX pm. Although there is a small gap in time between videos, at XXXX in the second video, no postal vehicle arrives or leaves the cul-de-sac XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-26
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 2021-07-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

{$850.00} transferred via XXXX to XXXX on XX/XX/12 to receive a puppy.This seems to be scam and they never delivered the puppy. 

Their website is https XXXX XXXX  XXXX XXXX Phone number of recipients is XXXX I have reported to my bank and asked to get this money refund back to my bank of America account, waiting
Consumer complaint received 2022-07-26
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. (GA)

XXXX XXXX XXXX - Account # XXXX Balance : {$4300.00} In accordance with the Fair Credit Reporting act the 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
Consumer complaint received 2018-11-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (CO)

I buy a vehicle on XX/XX/2018, I payed on time my first payment but on XXXX was difficult for me make a payment, my mam has a XXXX I use the money for emergency. 

After having spoken 3 times with different people about my situation, I am receiving calls from particular numbers of Colorado demanding payment, these people have my personal information such as my name, phone, address, social security number but I have noticed that they are in Colorado and the calls do not come from California where the company is, ask why you call me after having explained my problem with 3 different people, the answer was that it is the system and they can not avoid it. It is a very strong psychological pressure to receive 3 to 5 calls every day. So far I have a phone list of people who call me around 45 calls from different Colorado phones. I worry because what happens to my privacy has been violated, I do not know these people to receive collection calls but after answering they identify that they work for Westlake Financial Services. I am responsible and I will cover the 2 payments XXXX and XXXX, but it is incredible that the day of XXXX XXXX they called me 4 times. The most anguishing thing for me is how easily this company shares the information without my authorization, they have not received anything in writing from my authorized share my privacy. I send documents of the contract for its revision. 
Thank you If you need I have a list the all phone call numbers, please let me know.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (PA)

received an email about me opening an account at Truist Bank, I tried calling to report the fraud, I have sent emails and no one has responded. 
Now I got a letter saying I requested overdraft protection. I did not open this account.
Consumer complaint received 2019-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

CAPIO PARTNERS LLC - Open Date XX/XX/XXXX Balance Amount {$55.00} CAPIO PARTNERS LLC - Open Date XX/XX/XXXX Balance Amount {$250.00} I called this agency and asked them what the debt was for, They advised me it was for a XXXX XXXX XXXX XXXX and this was a debt that was apparently from XXXX. I advised them that I do not owe any money to this agency and have never utilized their services. they are falsely listing this as a newly defaulted account on my credit as well as will not help in removing this information from my credit report and simply want payment. I have never received a notice from this company prior to this debt being placed on my credit and I am currently in the process of purchasing a home. this falsely reported debt may potentially cost me the purchase of said home.