davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP (OH)

I used a 0 % balance transfer offer from my US Bank Visa card in order to spread out a {$4000.00} bill. ( I paid the transfer fee of XXXX right away and paid each month thereafter to shrink the balance. ) The monthly bank statements stated EXPIRES WITH STATEMENT XX/XX/2021, which struck me as vague -- no actual due date. I thought the balance due would be owed once I received my XXXX statement. Thankfully, I called and learned that the balance was actually due by XXXX XXXX. Had I waited for the XXXX statement, I would have owed hundreds in interest fees. 

I feel it is very deceptive to include the vague " expires with statement '' phrase. The bills should include an actual due date, unless the bank is purposely trying to trap people into owing fees.
Consumer complaint received 2024-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've noticed unauthorized inquiries on my credit report, which I did not authorize. This is a serious concern as it may negatively impact my financial standing. I request a thorough investigation into this matter.
Consumer complaint received 2024-10-14
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. (MD)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (MD)

Due to medical issues, I fell behind on a credit card from Elan Financial Services. 
They offered me a settlement amount for less than what I owed. 
Included in that settlement was an agreement that the account was to be closed and marked as paid in full and that they would delete all negative remarks associated with the account. 

Upon review of my XXXX credit report, it is showing that the accoint remains open and 14 missed payments are showing on the report. This is contrary to our agreement.
Consumer complaint received 2021-08-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Long & Foster Financial Services, Inc. (WA)

I applied for home mortgage loan with Prosperity Home Mortgage , LLC. I provided all the information and documentation that was requested. I have a great credit history and good income. I was approved for a very low amount. When I tried to ask the reason, the lender asked for more unnecessary information and documentation. I advised them that I have provided documentation and information you requested. Why my loan amount is low. They had no good reason. 

I had applied for mortgage elsewhere ( XXXX XXXX XXXX  ). They had approved me for much more XXXX XXXX XXXX difference. They actually did this with out requesting this many information. 

I discovered that this is a discrimination against people of color. This must be stopped!!
Consumer complaint received 2020-11-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

AS OF OTDAY XX/XX/2020 CHIME CLOSED MY ACCOUNT WITHUT ANY NOTICE OR REASON AS TO WHY. I HAVE OVER XXXX IN MY SAVIGS ACCOUNT AND I WAS SUPPOSED TO ALSO RECIEVE MY DIRECT DEPOSIT TODAY WHEN I LOG IN AND CALL IT STATES MY ACCOUNT WA CLOSED.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: ID Analytics, Inc. (PA)

I submitted a request to Sagestream for a security freeze on my Sagestream report.

Sagestream ignored my security freeze request and I have attempted to contact them and still no credit freeze has taken place.The FCRA provides me the right for Sagestream to freeze my Sagestream report. I would like the assistance of the CFPB to help me freeze my report with Sagestream.
Consumer complaint received 2015-11-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I will begin with the fact that USAA is well known for manipulating their customers accounts. If you make a deposit or withdrawal they will move the dates in order for them to collect more fees. I actually have proof of this happening in my account. The most recent occurrence of my account being manipulated was on XXXX/XXXX/2015. I made an immediate withdrawal of {$1800.00} from a local branch which USAA partners with to obtain a cashier 's check in the entire amount withdrawn, similar to an ATM withdrawal but due to the amount it needs to be completed this way per USAA. However, my USAA account statement shows the withdrawal was made on XXXX/XXXX/2015 which is a significant deficit of days and cashiers checks are immediate. I kept all receipts of withdrawals to prove this. I also paid a bill which cleared after a deposit I made in the morning of the XXXX XXXX only to have it magically appear before the deposit, even though it was n't made until after the deposit was made. My next instance happened on XXXX/XXXX/2015 when I deposited via my phone a US Postal money order in the amount of {$310.00} in the morning at approximately XXXX XXXX it was later that day after my deposit which is immediate when made from the mobile device that one of my auto drafts for billing cleared. Once again my account was manipulated and my deposit was moved to after the ACH draft attempted to clear as to make it appear that no funds were available at that time so USAA in turn could charge me an overdraft fee. Then when my check which was written out to my housekeeper in the amount of {$85.00} cleared they once again manipulated my account and charged me not once but twice overdraft fees when you can clearly see on my account statement there were funds available and the check itself did clear the first time. When I spoke with a customer service rep, they told me they could not fix it because it was their computer who processes and they can only see the process. Now, if it is my money and I can see that enough is there to clear any debits or checks they can not do things behind the scenes in order to make more money. I am in the process of changing banks and I want the FTC to look into USAA and their practices as I am not the only service member who has experienced this. I want those fee 's refunded as there was money in my account and I also want their " system '' to reflect actual dates and times of transactions accurately. Again I have proof of all that I have alleged and would be more than happy to hand it over to anyone who wishes to see it. I want to ensure this stops happening to those of us that serve. Thank you
Consumer complaint received 2023-01-11
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: HYUNDAI CAPITAL AMERICA (NJ)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating this disputes under MY NAME. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. This is mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$420.00}
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

XXXX, XXXX and Experian are reporting inaccurate information on my credit report concerning a bankruptcy. The U.S. Bankruptcy Court does not report case information to credit reporting agencies per the attached letter from the Court.

Specifically, XXXX, XXXX and Experian are relying on XXXX XXXX, not the Court, and are reporting account numbers that are different. The credit reporting agencies have all indicated that the information was verified by XXXX XXXX, not the U.S. Bankruptcy Court. The information is different and inaccurate. 

The credit reporting agencies are using information that XXXX XXXX purchased from a disinterested third party that is unreliable, incomplete and inaccurate. 

Since it did not get the information from the Bankruptcy Court and the court doesnt report case information to XXXX XXXX, it has verified inaccurate information and the credit reporting agencies have used this information willfully and negligently. A violation of the statute.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2023-01-18
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)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$140.00} ), XXXX XXXX XXXX / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$110.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$12000.00} XXXX XXXX XXXX XXXX ), XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$730.00} XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Utah System of Higher Education (NJ)

Something very suspicious is occurring and I urge you to please read this statement in its entirety because I suspect attempts at discrete impropriety from these companies that explain why I currently have no ability to see my balance, see my payment history or even attempt to pay any part of my loans. 

On XXXX XXXX, 2020, at XXXX XXXX I received an email from my original loan servicer, Cornerstone Education Loan Services ( Uheaa ). The email stated that my loan servicer would be changing to XXXX XXXX around XXXX XXXX, 2020 and it provided modestly detailed information with respect to how the transition would unfold. 
Note : At that point, my loan information, including principal balance, interest, and payment history were all still accessible on the Cornerstone website platform, i.e., my Cornerstone account. 

The email clearly states, " XXXX XXXX will contact you after your federal student loan account has been transferred and loaded to its system. '' It is now XXXX XXXX, 2020, and I have not been contacted by XXXX XXXX. 

Curious about the state of my transfer I logged back into my Cornerstone account to see if there had been any update or if my account reflected the initiation of this transfer in any way. Strangely, while my account still exists, it is entirely void of information with respect to my loans and payment history, which is highly concerning. 

I have not been contacted by XXXX XXXX, I have not received a welcome letter with account information, and I have not received my new federal student loan account number as referenced in the email provided by Cornerstone. 

Note : As of today, should I want to go online and pay part of my principal or interest, I would be unable to do so as my account is somehow in limbo. Should I need to check my payment history or share loan information/history with my university as I prepare to register for this next semester, I would be unable to do so. Now, imagine that this current state of affairs continues through XXXX and the moratorium of interest ends, my loans will technically start accruing interest without me being able to pay them. The aforementioned limbo status of my account prevents me from paying any of the principal or already accrued interest before the end of the moratorium. Come XX/XX/XXXX, I will be paying more interest than planned because I am unable to apply anything to the principal in the meantime. This seems unethical to me, and I would think that this violates my rights on multiple levels. Shouldn't this be illegal? I have no accessible information regarding my student loan payments, no proof of my billing history, and I have no way to pay.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (PA)

Jefferson Capital System indicates I have debt with them. I have never had any dealings with Jeftferson Capital. I have asked them to provide me verification that I in fact signed anything indicating I owe them. I have asked on numerous letters in the US. mail for verification of a signature or anything stating I would owe them the debt.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CT)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I recently filed a complaint Equifax responded that they can not be removed. However that's not true I have attached the law pertaining to inquiries what they stated is not true.
Consumer complaint received 2021-08-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (PA)

I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them.

Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State.

This is my last warning before I proceed to bringing legal action against them.
Consumer complaint received 2021-09-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank charged off an account that I had through Ashley Furniture. There were no missed payments and no documentation sent stating there was an issue with my account. 
I recently received a letter from the law offices of XXXX XXXX XXXX XXXX. stating they were attempting to collect a debt on behalf of XXXX XXXX XXXX. A debt that was apparently sold, without my knowledge, by Synchrony Bank. I have never received any documentation from Ashley Furniture, Synchrony Bank, or XXXX XXXX XXXX. 

Attached is a copy of the letter from XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-12-08
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: EQUIFAX, INC. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet. I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-30
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. (NJ)

XXXX XXXX is reporting inaccurate late payments and a balance on an account that has already been PAID IN FULL I have sent all three credit bureaus the proper documentation that the information is inaccurate but they continue to report the inaccurate information
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: DISCOVER BANK (IA)

I get these calls daily from XXXX at Discover saying they've been trying to reach me. If I press one to talk tosomeone and ask not to be called again they hang up on me. This happens daily... sometimes a couple of times a day. They always use my area code and my cell phone prefix. I answer because it could be a doctor or other medical provider. Today the call came from XXXX at XXXXXXXX XXXX. My cell phone number is XXXX. I have called Discover Card and these calls are not coming from them.
Consumer complaint received 2020-11-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (WA)

This was my first loan I have ever taken. I owned my XXXX XXXX outright meaning I owed no money on it. When I initially took out the loan they were very quick and eager to get me to sign documents I didnt even know I was signing. The way they had it set up I didnt even get to read the real agreement. I am on time with my payments currently and I got a letter in the mail saying since I did such a good job with payments I was able to take a XXXX loan out after my next payment and the advertisement said keep my same low interest rate. That was a complete lie, my payments at that time were XXXX dollars a month. I borrowed {$7500.00} and after 5 XXXX dollar payments I still owed more then what I borrowed. After I took out the XXXX dollar loan I got a letter saying my other loan account had been closed and a new one opened. I called and ask them what the deal was I was assured that my interest rate would continue to go down instead they informed me that taking out the new XXXX dollar loan my interest rate now was 115 % and that my payments would be {$880.00} a month for 36 months. That was that and that was final. AGAIN I DID NOT SIGN THAT OR AGREE TO THAT. THIS COMPANY IS FRAUD THEY ARE LIARS AND THEY NEED TO BE BROUGHT TO JUSTICE. I READ THE MOST INTEREST RATS THAT CAN BE CHARGED IS 12 % Washington and 10 % Utah. IM BEING CHARGED 115 %! they totally took advantage of me they obviously knew I had no experience in taking a loan Out. They are literally trying to Make it so hard for me to pay this off they want to take the car. They dont want the loan Paid off. I need help what they are doing is completely illegal!