davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-06
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. (MD)

All 3 credit reporting agencies will not remove old hard inquiries, as well as recent hard inquiries where I had multiple credit inquiries for a single transaction ( e.g. car purchase ). It is standard business practice for the credit reporting agencies to treat multiple credit inquiries as to the same transaction as only one inquiry. On 2 occasions, have had multiple inquiries ( which I only authorized one ) all counted in my credit score that has since significantly reduced. XXXX, for example,  shows 19 hard inquiries. I have now been denied credit on this basis when my credit is otherwise perfect. At least 10 of these inquiries related to single transactions or are older than 2 years.
Consumer complaint received 2022-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (SC)

A Certified Payment in the amount of {$18000.00} Which was to cover the total balance left on an auto loan agreement that I have with Ally as award me my clean and clear title was received by Ally Executive Offices on XX/XX/2022 receipt # XXXX. However I continue to receive threatening calls and text from their customer service department from a person name XXXX XXXX alleging that I still owed money on the loan. After speaking with Customer Service and demanding that they find my payment. I received a letter a letter from Ally Executive Offices Stating that the matter is under investigation. Nevertheless as of current date I still continue to receive harassing threatening calls in addition I am not in receipt of my clear and clean title despite having already paid this balance in full. At this point it feels as if my payment has been stolen by perhaps an employee at Ally Bank and I am being tricked into paying more money.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

In XXXX there was a barrage of ads on the radio for XXXX. I was working a dead end job for a large XXXX XXXX  and found the allure of making much more money doing similar and more advanced work too compelling to turn down. I went to the school and got talked into a XXXX commitment with the promise of training, and lifetime job placement. Fast forward 6 months and before I even finished classes they were going bankrupt. There was a lawsuit in many states, handled by the XXXX firm that demanded they pay the money back, in response they disappeared and we were left holding the debt with half of our education and none of our job placement. 

All of this to say, I reached out to XXXX XXXX about this and they basically told me tough cookie. I defaulted on the loan in XXXX and have never looked back. In XXXX they sold the debt to XXXX. I have never made payment to this company, they have used aggressive tactics to try and get the money back, and even though there is a charge off issued on my credit they report me as delinquent every month. This is costing me money, and opportunities. I have disputed and called and done everything I can think to do, and its like trying to push over a brick wall getting any answers. Its time I moved on and they did too. Please help.
Consumer complaint received 2021-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NC)

" Ace Cash Financial Group '' is threating me with a debt that I do not owe and never applied with consent. They have no verification nor confirmation that I requested this loan.
Consumer complaint received 2022-04-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I disputed derogatory reporting on my credit reports by XXXX XXXX XXXX  on XX/XX/XXXX. My dispute shows proof that I was never 90, 120 or 180 days late on my student loans from XXXX. During that time, I was a graduate student at XXXX  XXXX XXXX. I also had a One-year Hardship Agreement starting on XX/XX/XXXX because I was taking care of my father who was on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have asked for proof of the original loan documents to help prove that I was charged interest during these times and that XXXX XXXX XXXX continued to show me late. In each loan, XXXX XXXX XXXX shows that I am " current '' and then the next month they show I am 90 days late, then 120 days late and they have a comment that I was 180 days late. This is not true and is hurting my credit report and ability to build credit and move forward in my life. I have no resolution in this matter, no documents from XXXX XXXX XXXX and no change on my credit reports which are now " updated '' with exactly the same information. I would like these loans deleted from my credit report until there is a resolution of the correct amounts and no derogatory reporting. Thank you for your help!
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

In XXXX there was a barrage of ads on the radio for XXXX. I was working a dead end job for a large XXXX company and found the allure of making much more money doing similar and more advanced work too compelling to turn down. I went to the school and got talked into a XXXX commitment with the promise of training, and lifetime job placement. Fast forward 6 months and before I even finished classes they were going bankrupt. There was a lawsuit in many states, handled by the XXXX firm that demanded they pay the money back, in response they disappeared and we were left holding the debt with half of our education and none of our job placement. 

All of this to say, I reached out to XXXX XXXX about this and they basically told me tough cookie. I defaulted on the loan in XXXX and have never looked back. In XXXX they sold the debt to XXXX. I have never made payment to this company, they have used aggressive tactics to try and get the money back, and even though there is a charge off issued on my credit they report me as delinquent every month. This is costing me money, and opportunities. I have disputed and called and done everything I can think to do, and its like trying to push over a brick wall getting any answers. Its time I moved on and they did too. Please help.
Consumer complaint received 2021-11-10
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/2021 I was notified by email alert that a hard inquiry hit my credit report. I did not apply for any credit card or loan. The company responsible for the inquiry is Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Company was notified no action has been taken at this time.
Consumer complaint received 2021-02-07
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Patient Accounting Service Center (ID)

The collection agency Arstrat contacted my work without my permission to try to pressure me to make a payment. As stated before, I did not give the agency permission to attempt to reach me at my place of work. I believe this is in direct violation of my rights under applicable consumer protection laws.
Consumer complaint received 2018-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

There were several transactions " pending '' in my account and not yet posted, however a deposit posted, yet the bank still charged me for " pending '' items although my account was not truly overdrawn. US Bank charges by " Account Available/Pending '' vs. Account Balance. I asked, what if several transactions did not post, yet you still charged? US Bank stated that they would still charge. If I have proof of items that should not have been pending, then they would make a decision. I spoke with the following representatives : XXXX, XXXX & XXXX { Manager }. XXXX was by far the most professional, however she was not able to resolve the issue, so this matter is still unresolved. They overcharged me by {$320.00} in fees due to their " unique '' policy. This seems as if their policy would violate banking policies since items did not yet post, however the clients are still being charged. I do have a financial background and XXXX and I did discuss this in detail, however it appears as if US Bank is " FEE Happy ''.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

On XX/XX/18, I contacted Citicards to stop an automatic recurring charge for a monthly lawn service. I cancelled my lawn service but can not rely that they will follow-through and cancel the recurring charge. I should have control over my credit card account to stop any recurring charge. I was told by XXXX on Team 13 that Citi 's policy is that an individual recurring charge can not be cancelled for the protection of the merchant and that I can dispute future charges if the merchant does not stop the recurring charges. I was also told I could stop all recurring charges, just not individual ones. I am surprised that I do not have the authority to stop recurring charges. The dispute resolution process is not a viable solution - what if the lawn service never cancels the recurring charge? Must I dispute the charge every single month?
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX years. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-01
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: Kinum, Inc., Indianapolis, IN Branch (NJ)

I reviewed my credit report, and I found that KINUM has reported a collection. I've never did any business with them. Where did they get this information from??

KINUM please verify that I've done business with you with viable information, i.e DOB, SSN.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final good will attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office. Should you continue non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local laws. I further remind you that you may be liable for your willful non- compliance.
Consumer complaint received 2019-06-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (TX)

I am out of work on FMLA but not receiving any XXXX benefits. I called my mortgage company, Suntrust, in XX/XX/2019 when I received my first loan modification package and let them know that I was selling the home and the loan would be paid in full on XX/XX/2019. The lady I spoke with then advised me not to fill out the modification package since I had no income and I was selling the home. She then let me know that I needed to at least make one payment before XX/XX/XXXX in order for the loan not to be considered for foreclosure. Our buyers then moved the close date to XX/XX/2019 and I called Suntrust to let them know on XX/XX/2019. I was then told that all these letters had been sent, which I did not receive, and that I owed around {$5000.00} to stop the foreclosure process. This was completely different from what I was told by Suntrust a month earlier. So I am now told that there is nothing I can do besides wait and hope I close in time before the foreclosure sale.
Consumer complaint received 2017-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (TN)

I received a notice from XXXX XXXX that U.S. Bank had done a hard check into my credit history. I do not have an account with them and never have had one. I called them today ( XXXX/XXXX/17 ) to find out why. Someone has applied for a credit card using my ss #. I dont have any credit cards and hopefully never will again. I paid mine off years ago. This application needs to be denied and the report removed from my credit history. I dont need a crook messing up my good credit standing.
Consumer complaint received 2019-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (VA)

Please add this addendum to my current account complaint number # XXXX : I checked the box below, and want the CFPB to publish this description of my original complaint on consumer finance.gov, so others can learn from my personal experience. 

Also, I should have mentioned that when XXXX XXXX, SunTrust Executive Services, called me on XX/XX/19, she advised me that she was recording the over 30 minute call. I would like, and give my permission for the CFPB to obtain that recording, during which I explained in great detail what happened, will also indicate how upset I was as a result of the screw-up by the SunTrust teller. 

Thank you, XXXX XXXX
Consumer complaint received 2019-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (DE)

I did not authorize the following accounts they are the result of identity theft. Please remove them. 
XXXX/XXXX XXXX- alleged amount owed= {$1100.00} XXXX XXXX XXXX/ XXXX XXXX- {$4100.00} Please review my attachment below.
Consumer complaint received 2019-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: APEX Asset Management, LLC (NJ)

I'm trying to repair my credit and came across this dept that is owed which is unbeknown to me. {$660.00} is says I owe but for what? Please send me a copy of original bill, validation of purchase of debt, copy that provides proof to collect in my state and my signature as per the fair credit act.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Jon Barry and Associates, Inc. (NC)

An agent from the company call Me on XX/XX/2018 @ XXXX. No consent was ever given by me to speak to her concerning the debt in violation of the Fair Debt Collection Practice Act. 805. "  Communication in connection with debt collection '' Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

One day before her call, the agent informed me that a letter was mailed to my home address on XX/XX/2018 in violation of 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice The agent I spoke with was both abusive and oppressive with me, and used obscene language to abuse the hearer of her words. I was also harmed with a threat of my reputation being ruin if the debt was not paid in full. In violation of 806. Harassment or abuse 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Consumer complaint received 2020-09-18
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. (CA)

I have disputed these fraudulent accounts with the credit bureaus and have provided filed police reports to show evidence of fraud, but the bureaus keep verifying the accounts. 

I demand a proper investigation to the supporting evidence and demand an immediate deletion. 

XXXX  has exceeded 45 days in providing a dispute response.
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Was reviewing my wells fargo online accounts onXX/XX/21 and noticed my checking account was closed on XX/XX/21. I called the bank who couldn't say for sure but they think the account was closed for inactivity. I was told there resolution department would reach out to me which hasn't happened. My last transaction was XX/XX/21 but I believe the bank closed it so I wouldn't benefit from the free checking account which isn't being offered anymore. This is simply there way of forcing me to open a new checking account with a monthly fee.
Consumer complaint received 2019-06-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2014 I was added to a loan as a co-signer electronically by USAA without my consent or knowledge. I have made several phone calls to resolve my removal from the fraudulent loan as well as obtaining a police report and subsequent investigation into the matter. I am still on the loan and the bank has not gotten back to me at all about the removal and/or correction of this matter. This has affected my credit and hindered my ability to obtain other loans. It has been well over a month.
Consumer complaint received 2021-11-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PENTAGON FEDERAL CREDIT UNION (IN)

I entered a consumer credit transaction in good faith on XX/XX/2021 and extended my credit via credit application online providing my Social security Credit card number issued by the Social Security Administration offices. After the transaction took place, a receipt of the transaction ( inquiry ) appeared on my consumer report that showed a transaction indeed took place. Penfed, in return, furnish an adverse action via pdf which is attached. I was denied even after extending my credit to Penfed Credit Union, which is my federal right under the Truth in Lending Act. PenFed Credit Union benefited from this transaction by receiving consideration or compensation for that transaction and I did not receive any benefit. Penfed is also in direct violation of 15 U.S.C 1961a ( 3 ) under the Equal Credit Opportunity Act because it doesn't mention I could be denied for extending creditor or even having to have a certain credit " score. '' It only mentions that I could be denied for insurance or employment. I, as an applicant, was in good faith exercising my right under the Consumer Protection Act and did NOT benefit from the transaction that took place. 


Application # XXXX If this issue is not resolved, I will have no there choice to seek litigation, file a complaint the NCUA and/or my Attorney General for the several violation of my federal rights as a federal protected consumer.