davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
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. (NY)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-07-16
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. (CA)

Between the months of XXXX and XXXX, my account was closed, which is incorrect as my account has always been open. 
During this time my balance increased over {$5000.00}, which is incorrect. 
They reported my vehicle was repossessed, which was false reporting as my account has never been repoed. 
They changed my payment history from 75 % to below 20 %. 
Lastly, I emailed them from my same email address with my name and account information and they posted my payment to someone elses account. Im not listed on that account and never have been associated with that account. They now refuse to accept any type of emails from me, please see attachments. And refuse to accept over the phone payments. I call and call and no answer. Ive since had to use a separate phone number in order to get them to answer the phone.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NAVY FEDERAL CREDIT UNION (GA)

I was shocked when I reviewed my credit report and found late payments on the dates below : NAVY FEDERAL CR UNION XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX and alsoXX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-05-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (CT)

My account got closed over 6 months ago. Discover says I don't owe them any money but whenever I ask the usually very nice customer service reps why my account got closed or if I can open another one they turn into ice cold emotional robots spewing out the same company policy line. 

I feel like I have a right to know why my account was cancelled. I did a lot of business with them and I feel like this is unacceptable
Consumer complaint received 2020-09-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/XXXX I sent a letter through the mail for verification of debt. 

Under FCRA law, It says that I can submit a verification and if the creditor is unable to validate the debt, showing original signatures and proving that its my debt they must delete it. 

I have yet to receive a response from the company therefore they have violated my right.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I have disputed incorrect address on my credit report ; XXXX XXXX XXXX, XXXX, TN. I am requesting that Experian provide he source of who is reporting this information on my credit reports.
Consumer complaint received 2022-08-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (LA)

In XXXX of 2022, I applied for HELOC with Flagstar bank ( who also had my mortgage ). In XX/XX/2022, I was two months into the process when they said that I had not made a payment on my mortgage in XXXX of 2022. I told them that is 100 % false. We made a payment in XX/XX/2022 of the normal mortgage amount. But because we have it set up on auto pay from the bank, apparently, unnoticed by us, escrow went up at the end of the year and the payment increased {$62.00}. We paid the dirrence within days. In ten years of owning the house we never had a late payment. 

On XX/XX/2022, Flagstar declined my application because of the " late '' payment. They wasted my time for 2 months, when they had this information in their file the entire time. They said management would not give an exception because Flagstar sent a notice ( the payment invoice ) that the amount changed. ( I get that. But if they don't give an exception for that, what do they give exceptions for ). Now i have to start over with another company because one payment was {$62.00} short.. My problem was that i actually went with the company that had my first mortgage. If I would have gone with another company, it would not have been an issue because it was cured within 30 days, so it was never put on my credit.

.

Whatever you do, do not use Flagstar, for anything
Consumer complaint received 2017-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I sent this complaint through occ.gov which they said they would forward to CFPB but I have n't heard anything as of XXXX XXXX, XXXX : Complaint filed with occ.gov XXXX XXXX, XXXX On Saturday, XXXX XXXX, XXXX I went into my accounts oline to balance my XXXX checkbook. I noticed an amount paid on one of my USAA credit Card from my USAA Checking Account. I had set up an automatic payment to be made of {$500.00} on the due date. However, they instead debited my checking account for {$310.00}, paid to the credit card. 

I sent an email through their website on Saturday at XXXX CDT. I received a response on XXXX XXXX, XXXX at XXXX CDT from XXXX XXXX , Member Relations Advisor. It was a generic response that said they would look into the issue : " Your email regarding your account payment was received by CEO Member Relations. We regret any frustration this situation caused you, and we assure you that making processes easy for members is a top priority for USAA. Our business specialist will review your account and will follow up with you directly within two business days. We appreciate the opportunity to address your concerns. '' 48 hours later, on XXXX XXXX, XXXX at XXXX I asked for a response. I included a letter to the CEO XXXX XXXX, relating some of the many problems I have been having with this bank, including this latest problem. Most of the problems are related to the online payment system not working or being inflexible on internal USAA payments to the point that I believe they are forcing members to only pay the minimum amount on their USAA credit cards. Other bank cards can be paid reasonable flexibly : i.e. before the due date, multiple times per month and amounts more than the minimums. 

I received a response on XXXX XXXX, XXXX at XXXX CDT. Also very generic : " Your letter addressed to XXXX XXXX was received by CEO Member Relations. Our business specialists will review the issues you raised, and we will follow up to ensure you receive a response. Please know we remain committed to providing excellent member service. '' I sent a response today, Friday, XXXX XXXX, XXXX at XXXX telling them that because I had not received a solution or answer from them in the time they stated, I would file a complaint with occ.gov. 

XXXX/XXXX/XXXX : Attached is a screenshot of one of many error messages I get everytime I try to do my banking.
Consumer complaint received 2018-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (AZ)

On XX/XX/17, I purchased ( via telephone ) a sample of " XXXXXXXX XXXX XXXX '' and a sample of " XXXX XXXX XXXX '' ( for a total of {$10.00} ) from a company identifying itself as " XXXX XXXX XXXX '' in a television advertisement, having used my " Discover '' credit card to pay for my order. This order was billed to my Discover card and subsequently paid. 

I subsequently and unexpectedly -- received a package ( which I did not order ) via USPS, the label on which reflects the sender to be XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX, and indicates the contents are " XXXX '' and " XXXX. '' ( As of this date, this package is still unopened. ) On XX/XX/17, my Discover credit card statement reflects a billing by XXXX XXXX XXXX XXXX   XXXX XXXX an amount of {$89.00}, and an additional billing on XX/XX/17 by XXXX XXXX XXXX XXXX XXXX of an amount of {$87.00}, a total amount of {$170.00}. I assumed it was a billing for the aforementioned package delivered by USPS, again which I did not order. 

On XX/XX/17, I contacted Discover to dispute the XX/XX/17 and XX/XX/17 charges and was told the charges would be removed from my account and the matter investigated, and I was instructed to retain the aforementioned package pending the outcome of the investigation. 

I then received my XX/XX/17 credit card statement from Discover and found it to reflect two additional charges identical to the XX/XX/17 and XX/XX/17 charges mentioned above, again totaling {$170.00}. 

On XX/XX/17, I called Discover about the additional charges and was told that Discover would block my account so that the XXXX products company could not charge against my account any further. I was again instructed to continue to retain the unopened package mentioned above. 

I subsequently received correspondence from Discover stating the following : XXXXeve completed our initial investigation of your disputed transaction and have found in your favor. This means well reverse the temporary credit on your account and apply a credit adjustment. You will not be charged for this transaction, including any related interest or fees. 

I then received my XX/XX/17 credit card statement from Discover and found that Discover had not only reinstated the credited/disputed charges totaling {$350.00} but had added additional charges of another {$87.00} and {$89.00} ( totaling {$170.00} ), for a grand total of {$530.00}!!

I feel I have been misrepresented by Discover, in that they informed me that their investigation results were in my favor and then subsequently reversed their decision after they received information from the company who placed fraudulent charges against my Discover credit card without my authorization. Additionally, the XXXX products company NEVER provided me with any documentation as was sent to Discover either at the time of my original purchase of the samples nor at any time thereafter.
Consumer complaint received 2020-07-16
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE FRAUDULENT ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW MY PERSONAL INFORMATION WAS OBTAINED BY WHOMEVER THE INDIVIDUAL OR INDIVIDUALS WHO DID THIS DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2019-08-19
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. (NV)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX  andXXXX XXXX XXXX
Consumer complaint received 2021-09-13
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. (TX)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2022-10-08
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. (MS)

I decided to check my credit report one day, because I could get any credit from an organization. I was immediately livid to know that someone pulled my credit over 20 times and I havent authorized it, this has absolutely ruined my credit. I have contacted the FTC and have fraud alert placed upon my credit report. Im a victim of Identity theft. This is stressful not being able to get any credit. I havent given any verbal or any written permission for credit inquires to be placed on my credit by the following companies. Some companies have pulled more than once, this is ridiculous. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2017-12-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

Santander Bank, XXXX XXXX, New york There was an promotion going on in the month of XXXX when I visited the bank and an Checking account was opened which declared a new account opener will be provided with {$250.00} cash if the direct deposit of {$500.00} will be made in the next 3 months and the account will stay opened for 90 days. Also it should be new customer. 
I opened the account on XXXX/XXXX/XXXX BRANCH TRANSACTION AT XXXX XXXX - CASH DEPOSIT. {$110.00} {$110.00} All the conditions were fulfilled and still they have not deposited the money even after several efforts made by me on phone and in person visiting the branch. 
1st direct deposit was made for XXXX/XXXX/XXXX XXXX XXXX PR PAYMENT XXXX {$850.00} {$910.00} which should have fulfilled the criteria but even then a next deposit was made for XXXX/XXXX/XXXX XXXX XXXX PR PAYMENT XXXX {$1000.00} {$1100.00} and if we see as per the conditions 90days are done a long ago but still the company is not paying what they agreed. Its a kind of misleading practice to the consumer just to get more bank accounts. 

I called them twice spoke with the representative one month ago and they said they gon na deposit the money but no joy, then I went to the branch twice, same answer, no practical solution. 

I want the money which they told me they will pay also the compensation for the harrasement and waste of my time by calling them again and again, also visiting them to the branch. 

So annoying.
Consumer complaint received 2020-04-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (PA)

I graduated in 2012 and have been making payments monthly for a {$7500.00} Discover Student Loan. My current payoff is {$9800.00}. I have already paid $ XXXX towards this loan. That breaks down into {$1300.00} going towards principal and roughly {$7500.00} paid towards the interest. The interest alone is more than the original loan. So I asked them about lowering my interest rate or allowing me to refinance so that I can pay down more on the principal. The ONLY offer they have for lowering the interest rate is to save a quarter percent by switching to Auto Pay. They will not allow me to refinance with them and because of this loan I can not get another loan to cover it. I will end up paying triple for this loan and not even pay it off until I'm in my 50s.. Please help!
Consumer complaint received 2018-07-22
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. (FL)

Hello my name is XXXX XXXX. I am writing this letter in regards to the information listed below that you are reporting on my credit. I am unaware and would like to dispute the inquiries and XXXX XXXX XXXX as an internal dispute. I realized that you have violated my rights by not taking the proper steps in verifying the information listed in this message. According to FCRA section 609 you are suppose to provide the verification steps on how you verified these items listed. Also I would like to know who performed the verification prior to placing these inquiries and items listed in this message. Please provide me with information on the verification process please. This is my second attempt to resolve this matter and I will gladly and kindly attempt to aim at litigation on the third step if these items arent removed. Ive contacted the companies below and no one attempted to contact or replied back for more than 60 days. 
1. XXXX XXXX XXXX 2. Equifax Mtg 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX
Consumer complaint received 2018-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

We noticed a hard enquiry by XXXX XXXX on my husband 's credit report. The enquiry, dated XX/XX/18, was not authorized by my husband. Fortunately, no account was opened, but the hard enquiry still affects my husband 's score. We are in the process of looking for a home. Our credit is really good fortunately ; nonetheless, this enquiry still affects our score and may impact our ability to get the best possible loan rate. 

I followed up with the three reporting bureaus XXXX, TransUnion, and XXXX, together with XXXX XXXX on XX/XX/18. XXXX  and XXXX  were able to help me straight away. TransUnion however, gave me a complete runaround. First of all, their customer service person was really hard to communicate with. Second, I was told to contact XXXX XXXX again and request a deletion letter, then send that and an authorization letter to TransUnion. Then after 30 days, I have to call TransUnion to have them delete the information ( why is this not done automatically? ). I contacted XXXX XXXX again and they said they could not do anything and I would have to deal directly with the TransUnion. XXXX XXXX were nice enough to refer me here ( consumerfinance.gov ), and apologized there was nothing else they could do. I went back to TransUnion and was told something different from the first call. I felt like I was getting the runaround. Now, I just don't know how to get this removed from TransUnion and I've already spent most of the morning on this without resolution. 

If XXXX  and XXXX  can handle this so efficiently, why can't TransUnion do the same? Why should TransUnion be given any power at all if they can't actually do what they are supposed to do? All I need is a straightforward way to get this sorted out. Perhaps it's time that TransUnion were required to review their practices!
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

on XXXX/XXXX/XXXX, I became aware of the Equifax security breach, and was given incorrect / unhelpful information by the company about whether I was impacted. I now must go through my entire credit history and lock it down to avoid a potential financial disaster. It 's unreasonable that they are allowed to give a token amount of effort as a recourse to their customers - especially those customers that never even knew Equifax had their information.