davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After reviewing my XXXX  & XXXX  Credit report I have discovered a couple of Inquiries that I do not recognize nor did I authorize. Please remove the following inquiries : XXXX/XXXX  ( Reporting on XXXX  ) Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX And BANK OF AMERICA ( Reporting on XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Thank you, XXXX XXXX
Consumer complaint received 2020-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NE)

Wells Fargo submitted a a check that was fraudulent. The manager at the time agreed that they should have caught the mistake. They said that it was there fault and that my account would be refunded the XXXX dollars. Then the bank manager calls me and tells me Im wrong and that I am liable for the charges. They said they submitted a internal complaint. Its been months and they have never returned the money. The bank manager said the teller should have never cashed the check.
Consumer complaint received 2017-08-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY (SC)

A deposit was made by me, XXXX XXXX XXXX per a friends request as i, XXXX was told it was her payroll check. Later to be informed the check was stolen. The female was reported and incident to XXXX XXXX Police Department and TD Bank Financial Institution. In XXXX, SC.
Consumer complaint received 2017-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (SC)

Sydicated Office Systems LLC and Central Financial Control are attempting to collect on a medical debt that is not mine from 2012. When I asked for verification of debt with their company on letter head and my signature, they sent me billing info and hospital admitting information for an infant that is not mine. I 'm not sure if they have combined my billing and this other person 's billing together. I have asked this company to remove all information from my credit report from all credit bureaus because the debt does not belong to me.
Consumer complaint received 2019-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (CA)

I received a letter collecting on a debt owed to the IRS, even though the debt is not mine. I know this not only because all of my taxes have been paid to date, but also because the letter does not identify me properly and has the wrong SSN listed. This seems to be a shady practice of claiming to collect on a debt that does not exist.
Consumer complaint received 2020-05-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. This item is fraudulent. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I have contacted Equifax numerous times to remove an address that is incorrect on my credit report they have yet to remove it the address is XXXX XXXX XXXX XXXX XXXXXXXX Florida XXXX
Consumer complaint received 2018-09-21
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: HSBC NORTH AMERICA HOLDINGS INC. (VA)

On XX/XX/2018, I applied on line for an HSBC credit card HSBC Cash Rewards Mastercard credit card. On XX/XX/XXXX, I wanted to cancel, and got into an online chat at https : //www.us.hsbc.comXXXX and they assured me that my credit card application has been closed or abandoned and that no derogatory credit mark has been placed on my credit history because there was a problem verifying my identity. Today XX/XX/XXXX, to my horror, I was informed that my credit report had a derogatory credit inquiry. I started another chat on line, and they told me that they can not remove my credit inquiry and that my credit card application has been denied. Since I wanted to cancel my application yesterday, and since they told me it was unnecessary for me to do so because my application has been canceled because of an identity verification problem, I feel I have been unfairly damaged by HSBC. Moreover, throughout this entire process, I was never notified by email verifying that I filed an application for a credit card, and thus had no way to contact them or address this issue. You need to subpoena the chat logs from XX/XX/XXXX saying that my credit card application has been canceled and that I need not worry as no credit inquiry has or will be made!
Consumer complaint received 2020-05-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was a victim of identity theft and my EXPERIAN credit report had one charge-off ( XXXX XXXX XXXX  ) and two collection accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX ) on it. I mailed EXPERIAN a certified letter with my police report, identity report and the criminal report of the suspect that is now in custody that stole my identity. EXPERIAN deleted the three accounts from my credit file and then a couple of weeks later without notifying me re-inserted all three files. i sent a demand letter for a thorough investigation however they never responded.
Consumer complaint received 2022-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (VA)

Received an unsolicited debit Visa card from U.S. Bank ReliaCard. Until this showed up in my mailbox, I had never heard of this bank or this type of card. Upon receipt, I tried to contact the bank using the phone number on the literature. To possibly talk to someone, one has to provide too much personal info - DOB, social security number and the CC number. Since I do not know this business, I definitely would not give them my SSN. After XXXX this card, I learned it is a possible scam directed at retirees ( which I am ). One additional detail that made me concerned, was the incorrect middle initial on the card. I would like to make sure that my information is not being used illegally. Fortunately, I had placed a freeze on my credit through XXXX  with the 3 credit reporting companies. I checked my status and found no new activity, which reduces my stress somewhat. 

If this is a known scam using the ReliaCard which is a real card, why are we, the public not being informed? Hopefully, some government agency is looking into this.
Consumer complaint received 2017-08-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Around XXXX 2007, my son enrolled into XXXX XXXX XXXX, where we were directed to apply for federal loans through XXXX XXXX ( now Navient ), of which I received a loan of {$20000.00}. I began making payments to this loan six months after that. We have been making payments to this loan for around 10 years. Every year, the monthly payment amounts billed increased. We have been paying this loan consistently to this day. Due to our request for aid the monthly amount billed is {$150.00} per month. We keep in contact with Navient to keep it at an amount that we can pay based on our situation, which is only due to our efforts. The reason we are upset with Navient is because that the principal loan amount has remained the same, regardless of our payments, ever since we began this loan.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Carter-Young, Inc. (TX)

According to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 ( a ) ( 4 ) states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. 

There is no contract between CARTER-YOUNG , INC./AD and myself ( name as listed within the attached OPT OUT letter ), nor is there any contract novation in place between the original creditor XXXX on XXXX, XXXX XXXX CARTER-YOUNG, INC./AD and XXXX XXXX XXXX XXXX XXXX within the attached OPT OUT letter ) ; therefore I have no obligation with this non-affiliated third party CARTER-YOUNG, INC./AD. 
Per 15 U.S. Code 6802 section b ( 2 ) states, This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. CARTER-YOUNG, INC./AD has not provided a contract with the original creditor stating they are contractually obligated to collect on the original debt on behalf of the original creditor. 

15 U.S. Code 1681:604 section a ( 2 ) states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' I invoke my right to opt out at any time of my non -public personally identifiable financial information as defined in 15 U.S. Code 6809 4 ( a ) from being reported on and to credit reporting agencies from the third party CARTER-YOUNG , INC./AD .

CARTER-YOUNG, INC./AD and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX and CARTER-YOUNG, INC./AD C whether it is verbal, non-verbal, written, implied or otherwise is revoked. As the consumer per 12 CFR 1016.7 ( g-i1 ) which states that, A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. This opt out shall be in effect for any past present and future endeavors of, between and through CARTER-YOUNG, INC./AD, XXXX, XXXX and XXXX pertaining to me ( name as listed within the attached OPT OUT letter ) and any variations of the name.
Consumer complaint received 2022-04-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION (AL)

I have an auto loan with Suntrust Bank/Truist for XXXX XXXX years where I have never missed a payment nor been late with a payment. I attempted to upgrade my auto with a newer model but with the same payments I have been making for XXXX years on the older XXXX, but was turned down due to the fact that my student loans have an instituted XXXX deferment which the bank is using the 1 % formula to calculate the XXXX because the XXXX status and payment amount is not showing on my credit report. The deferment eliminates this status which is not fair to the consumers.This policy needs to change. These XXXX instituted deferments of student loan payments are a problem for students on XXXX because instead of showing up on credit reports with the correct monthly payment, the creditors are using the 1 % of loan formula to determine XXXX. This makes it impossible for a student to even get a basic personal loan. I have encountered several declines because of this issue with the recent one with Suntrust Bank/Truist . If my true IDR monthly payment was used on the credit report instead of " XXXX '' this would eliminate this problem. It is impossible to waive this deferment. With the deferment listed on my credit report, my XXXX is 130 % and with my XXXX monthly payment listed, my XXXX would be 42 %. This problem needs to be fixed. Of course, Truist does not take into consideration my payment history with them, stating I should dispute with credit bureaus. Even though I have proof of the IDR payment, the bank will not accept this information.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Every time I file a complaint against Equifax to complain about the constant mishandling of my file and the rude and discriminatory treatment I receive from its employess Equifax restricts my access to be able to view or dispute inaccurate information in my credit file. 

They continue to take my rights away to view my credit information. I have to sit on very long hold times and have to be dealt with in a very disrespectful and rude manner. Equifax send a generic response to call a certain number but I never receive the level of service I deserve as a consumer.
Consumer complaint received 2020-10-12
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: Experian Information Solutions Inc. (TN)

I am extremely frustrated with being ignored by a company that refuses to answer me. On XX/XX/2020 and XX/XX/2020, I wrote to the bureau to fix clear inaccurate information on my report with no response. I'm tired of being ignored. Its crazy to be ignored even when I sent certified mail to a well known company. I have attached all letters including a new letter that I'm sending off today certified mail. Hopefully, someone can make them do the right them.
Consumer complaint received 2020-10-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received a {$1800.00} payday loan from ACE Cash Express to help me pay rent one month. I was following the payment plan for 2-3 payments as scheduled. I worked in a tipped wage job and business slowed down and I struggled to pay my immediate bills and was not able to pay my scheduled payments for the payday loan. This continued for several months until ACE Cash Express sent my account to a collection agency. This agency, which claims they work for ACE Cash, has employed a locating service which I believe is using unfair and unethical practices to locate and intimidate me. They have called me up to 10 times in a row and left messages stating that I was being " served '' in accordance with some legal action but was not told who the debt was with nor the amount. These calls were also made to my family members, some to extended family members in other states. They were also called several times in a row and left messages as if it was my telephone number and the messages included the same legal action threats and that I was being served. I believe the company knew they were contacting someone other than myself and still left messages containing personal information as a way to slander me and have family members contact me. These calls were also placed with my personal friends with the same revealing messages and then they began calling the owners of the company I worked for. All of these people received phone calls back to back on several different days, to the point of harassment. They all received the same threatening and personal information about myself. ACE Cash has had a judgment against them for their debt collection practices back in XXXX and apparently they are continuing these practices today in XXXX.
Consumer complaint received 2024-03-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Byrider Franchising, LLC (IN)

CNAC has put a negative remark on my credit report in regards to a debt that is my ex husband 's and I have sent the divorce decree signed by a judge stating this is not my debt but his to pay off. This negative remark is hurting my credit report. I have sent the divorce decree to all credit bureaus and CNAC. CNAC says they do not honor divorce decree. It is a legal binding paper stating this is NOT My debt. I want this negative remark removed so I am able to get a home owners loan and move on with my life. I have sent the decree to XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

XX/XX/2020 - {$990.00} I notified USAA on XX/XX/2020 that there was an unauthorized charged to my savings account. Called every day to their Security Specialist at the bank, they promised they would look at it and call me back. 
They never called bank or write me a letter.
Consumer complaint received 2023-01-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRIAD FINANCIAL SERVICES, INC. (TX)

We purchased a XXXX  model home. We paid Recreational vehicle sales tax on it. We do not have to pay property taxes on it. Triad is tacking on property taxes to our monthly payment. We have called several times and they keep telling us we need a letter from the appraisal office. The appraisal office says they cant give us one because we dont have a home or an account for taxes for us. The dmv has a receipt that we paid the sales tax. Triad refuses to take that off our payment without a letter. I called on the 11 th and asked how much in property taxes had they paid. I was told nothing there was no account. I then asked why they are still taking out money. She said they will until I provide proof. She also said we wouldnt her our money refunded til we could prove we didnt owe taxes. A week later I did receive my refund for the full amount. I want it taken off my mortgage. Talking with them has gotten nowhere. They are double dipping and making interest off my money.
Consumer complaint received 2023-07-20
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. (GA)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo froze and closed my account without notice. Then later I open the claim on a fraud report on transactions made on account, resulting with that account being closed without notice or ordered by self. 
This makes two accounts, frozen and closed within the last 2 years, this complaint is a violation of the terms of the contract agreement upon opening accounts. Please contact me at XXXX to discuss how I can proceed. 
Thank you, XXXX XXXX
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (UT)

On XX/XX/XXXX, I received an email from Citi Advantage stating that I missed my payment due date. Surprised, I logged into my account to submit a payment than same instant. This account has never been late, and I was surprised my autopay was removed. Since then, I have received daily emails stating " You missed your payment date ''. I have a payment confirmation email from Citi and my bank, but I'm still receiving these emails that I find to be harassing.
Consumer complaint received 2019-11-05
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX , XXXX GA XXXX XXXX XXXX XXXX   XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX , GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE! It is possible a family member or work address but none of them belong to me never lived at these addresses.