davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-27
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (PA)

XXXX  XXXX US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00} EQUIFAX XXXX US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00} XXXX  XXXX US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}
Consumer complaint received 2019-03-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Hello. I went to travel overseas from XX/XX/2019 to XX/XX/XXXX, the second week and I didn't have access to the internet for pretty much a month. In overdraft fees, Bank of America is charging me more than {$700.00}. 

I have paid and brought my accounts up to date, but Bank of America refuses to pay back part of the fees that were charged to me. If the fees wouldn't have been charged to my account, the account wouldn't have been overdrawn in the first place. 

I am doing a master course and my only source of income is my student loans. I have to invest more than 40 % of it for this semester for concept of housing and food just to pay all these fees. I am afraid that if not action is taken by the bank in refunding the fees, I would not have enough money to make it throughout this period.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Public Record Chapter XXXX does not belong to me. I have disputed this with all 3 credit reporting agency XXXX, XXXX and TransUnion several times.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

In accordance with the fair credit reporting act XXXX  account # XXXX and account # XXXX has violated my rights.

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-03-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX has reported my account as paid late 30 - 59 days twice wrongfully : 1. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00} my payment was due on the XXXX of XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$650.00} and XXXX XXXX processed the payment on that same date. Given that XXXX in XXXX has 28 days this means that my payment was made and processed on the 28th day and not 30 days or more. By law they should have not reported a payment made before 30 days as a 30 to 59 days late. Now this is reported on all major credit bureaus and XXXX XXXX is refusing to acknowledge and abide by the consumer protection protocols and laws. 

2. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00}. my payment was due on the XXXX of XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$640.00} and XXXX XXXX processed the payment on that same date. Given that XX/XX/XXXX was a Saturday this means that my payment was made and processed on the XXXX but what XXXX did is that they counted the week end and end of business the following Monday and reported my payment to the credit agencies as paid on XX/XX/XXXX.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I recently the copy of my credit report sent to me by your company and found that you are reporting the below account incorrectly. Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a credit reporting company ) are responsible for correcting inaccurate or incomplete information on all reports they hold in their possession. When I tried disputing via mail, I received a letter from your company that my written dispute was suspicious/frivolous. The FCRA also states that I have the right to dispute information that is not accurate, a right your company is denying me by claiming my letters of dispute are frivolous or suspicious. 
I have been disputing the below accounts for over a year. And within this time your company has been unable to provide me with the necessary information to prove that the below accounts belong to me. All your company ever do is open investigation after investigation with no end result. Finally in XXXX of 2017 the below accounts were removed as they were found to not be mine. 
I have since learned that your company has improperly re-inserted the below accounts on my report. According to FCRA rules, your company can not re-insert derogatory information on a credit report without first notifying me in writing, which it failed to do. The Fair Credit Reporting Act, 15 U.S.C. 1681 ( i ) ( ( ii ), states : Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion of, if authorized by the consumer for that purpose, by any other means available to the agency. 
Your company has never notified me in writing of this re-insertion within 5 days, therefore, pursuant to the Fair Credit Reporting Act, this alleged account needs to be deleted from my credit report.
Consumer complaint received 2019-03-12
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Harvest Strategy Group, Inc. (AL)

I have never had a relationship with this company but came across a post on XXXX that greatly disturbed me. The VP of XXXX made an incredibly disparaging remark about XXXX XXXX ( XXXX ) in a public forum, where he compared her to the XXXX " character '' that was proven a hoax. 

Given the platform that XXXX in regulating financial entities, this seems not only irresponsible but completely inappropriate. As a VP of XXXX, I would expect him to comport himself with a completely different level of decorum. One could assume that his commitment to compliance may be questionable if he is so openly vocal and disrespectful to the members of congress who set those rules and regulations.
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX has consistently misreported my credit usage! After bringing my credit card balances down to below 30 %, XXXX  has not changed my credit usage in 3 MONTHS!!! This is wrong and a violation of the Fair Credit Reporting Act. XXXX NEEDS TO CORRECT THIS IMMEDIATELY or I will file a complaint with the Attorney General 's Office in the state where their corporate office is located. They have 30 days to correct this then I will file an additional complaint.
Consumer complaint received 2020-09-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (DE)

Due to COVID 19, I was out of work from XXXX XXXX mid XX/XX/2020, I called the GM financial and made them aware they delayed my payment by two months. I received a notice in XXXX that my account was past due, I called as if I could get another extension and was advised that they only extend by two months. Unfortunately, I was not at work and couldn't pay it. Now it is XXXX and I'm behind almost 30 days because they never granted the extension or acknowledged that people can still be out of work do to this pandemic. I called a few times to no avail. I even put in a complaint with the XXXX XXXX XXXX where GM financial sent me a copy of my agreement, which I am well aware of!
Consumer complaint received 2019-03-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Huntington Bank HELOC Truth in Lending Violation. 
XXXX Received Customized Proposal based on completed home appraisal : was 4.94 % minus a .40 % discount for a {$40000.00} draw at closing. On my first log-in to set up my online banking, my % rate was 5.6 %. Only fix offered to me was to redo the entire loan and do another {$40000.00} draw and still would not get the rate promised. Additionally, I was told by XXXX XXXX, I can lock my rate at any time for {$75.00} or remove the lock for {$75.00} which is not the case. As informed today i can lock it, but it will be even higher the my current rate. 
Signed the loan docs and returned to company on XXXX, notarized, received nothing from them until XXXX. 

Program Home Equity Line of Credit Prime Rate 5.25 % Line Amount {$100000.00} Margin to Prime -.31 % Initial Interest Rate 4.94 % Available Balance {$100000.00} Monthly Interest Payment {$0.00} No closing costs. 
Annual fee of {$60.00}. ( The initial fee will be charges on your first billing statement then annually, thereafter. ) Lock your balance into a fixed rate at any time. 
Offer above includes either a 0.25 % discount for taking a new money draw at closing in the amount of {$25000.00} or for line amounts {$40000.00} and above the rate includes a 0.40 % discount for taking a new money draw at closing in the amount of {$40000.00}. This discount does not apply when refinancing an existing Huntington Bank line or loan unless an additional {$25000.00} or {$40000.00} is being financed.

The APR for the home equity line of credit is variable and can change monthly, but will never be higher than 18.00 %.

The Floor rate for the home equity line of credit is currently 2.96 %.

Home Equity Line of Credit variance is tied to US Prime Rate - currently prime rate listed in table above.

Making only the minimum payment during the first 10 years will not reduce the principal balance on the account. 
Offer is based on customer estimated property value of {$570000.00} ( 17.54 % LOAN TO VALUE ).
Consumer complaint received 2019-03-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (NJ)

I have paid off my car loan about 4 years ago. Wells Fargo never sent me the title and now that I want to trade in the car they are making me wait up to 1 business week to get the proper form faxed to the XXXX
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am filing a formal complaint as a natural person with rights protected under 15 USC 1681. My credit report has been violated by the consumer reporting agencies, who are also in violation of the Fair Credit Reporting Act. I demand that the following accounts be immediately deleted as I did not authorize the consumer reporting agencies to furnish them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following sections of the law have also been violated : 15 U.S.C 1681 section 602 A. guarantees my right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that consumer reporting agencies can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer report containing adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that no person shall furnish any inaccurate information relating to a consumer to any consumer reporting agency.

Upon reviewing my credit report, I noticed multiple billing errors violating TILA 15 U.S. Code 1666 ( b ) billing error. These errors include : ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
The creditor did not notify me 21 days before with a statement, and therefore, there should be no late payments on these accounts. I demand to see concrete proof from the creditor 's bank account that I did not pay and was marked late because this is clearly a billing error. The following account should be updated as agreed on my consumer report : XXXX XXXX XXXX XXXX If these accounts are not updated promptly, I reserve the right to seek monetary compensation for the violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. I have already submitted this complaint to the Complaint portal for the State Attorney General 's Office, Better Business Bureau, and Federal Trade Commission.
Consumer complaint received 2023-01-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (KY)

Letter of NON CONTACT. 
XX/XX/2023 XXXX included no debt confirmation or validation, no agreement to pay any unknown outstanding debts with any entity, including XXXX XXXX XXXX XXXX XXXX 

Statement includes copy of NON CONTACT to : Ky State Atty Gen, Consumer Protection ; Federal Trade Commission ; CFPB.
Consumer complaint received 2020-09-01
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: EQUIFAX, INC. (NY)

the accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX XXXX {$6900.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX  {$430.00} XX/XX/XXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX   {$1900.00}XX/XX/XXXX XXXX XXXX XXXX  {$860.00} XX/XX/XXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX   {$450.00} XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

the accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. XXXX  XXXX {$710.00} XX/XX/XXXX XXXX XXXX XXXX {$6900.00} XX/XX/XXXX XXXX XXXX {$0.00}XX/XX/XXXX XXXX  {$430.00} XX/XX/XXXX XXXX XXXX XXXX  {$2600.00} XX/XX/XXXX XXXX   {$1900.00} XX/XX/XXXX XXXX  XXXX XXXX {$860.00} XX/XX/XXXXXXXX XXXX XXXX {$530.00}XX/XX/XXXX XXXX XXXX   {$450.00}XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Trans Union and XXXX  are fraudulent on my following accounts : USDOE/XXXX  is fraudulent on my credit Account # XXXX US DEPT ED is fraudulent on my credit Account # XXXX
Consumer complaint received 2022-04-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Innovate Managed Holdings, LLC (CA)

The company refuses to provide a loan payoff amount to myself or the loan refinancing company. Theyve claimed their system has been down for 2 weeks and are unable to provide any account information. This has caused a tremendous financial hardship as my new refinanced loan would be $ XXXX lower than my current payment. I have tried to contact their management team and corporate offices to no avail. Ive already filed a complaint with the XXXX  as well.
Consumer complaint received 2020-09-01
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: Experian Information Solutions Inc. (NY)

the accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX XXXX {$6900.00}XX/XX/XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX XXXX {$430.00} XX/XX/XXXX XX/XX/XXXX {$2600.00} XX/XX/XXXX XX/XX/XXXX {$1900.00} XX/XX/XXXX XX/XX/XXXX {$860.00} XX/XX/XXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX {$450.00} XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-09-01
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: EQUIFAX, INC. (FL)

THESE ACCOUNTS LISTED ON THIS REPORT DO NOT BELONG TO ME THEY WERE OPEN FRAUDULENTLY USING MY SOCIAL SECURITY NUMBER AND ID I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-09-01
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: EQUIFAX, INC. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Consumer complaint received 2020-12-02
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. (NV)

I submitted a dispute to all 3 credit bureaus ( Experian, XXXX  and XXXX  ) on XXXX XXXX 2020. As of today I have not received any response from Experian, XXXX or XXXX. 
Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a re-investigation within 30-45 days. All 3 credit bureaus have all failed to respond in a timely manner to my requests.
Consumer complaint received 2020-12-02
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. (NV)

I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX  and Equifax XXXX on XXXX XXXX 2020. As of today I have not received any response from XXXX, XXXX  or Equifax. 
Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a re-investigation within 30-45 days. All 3 credit bureaus have all failed to respond in a timely manner to my requests.
Consumer complaint received 2021-08-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ILLEGAL REPORTING. 

XXXX Report XXXX XXXX  XXXX Collection {$2300.00} XXXX Report : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Collection {$2300.00} Transunion Report : XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Collection {$2300.00} I initially disputed the debt and requested validation of a debt becuase I know that the debt should not be on credit report, yet it keeps being reported. Despite sending them multiple letters, plus proof from the court that this is not a valid debt they are reporting, theyc ontinue to report it and refuse to pull this account off my credit report. 

I am now escalating this complaint higher because they are continuing to allow illegal reporting of a debt that the courts have determined is not valid. 

I am not responsible for the account/collection that is showing up on my credit report. I have never done business with this company. They lied and said I had. Then they sued me and didn't show up to court. I showed up. The judge ruled in my favor because of this. 

I have repeatedly asked them to delete this account immediately, as keeping this there violates my rights and allows this company to post and claim I owe them money when I do not. This is a problem because the credit bureaus are assisting them with violating the law by not removing this faulty debt that does not belong to me.