davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (IL)

The bank employee ( Branch Manager, maybe ) refused to provide service and asked me to leave the bank because they where closing even though I was at the bank prior to closing time and they were still working with other customers. He refused to tell me his name when I asked him, also refused to give me his business card as he lead me out and locked the door. Please let me know if there is anything you can assist me regarding this issue. Thanks, XXXX XXXX
Consumer complaint received 2022-04-30
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX acct # XXXX, XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer 15 U.S.C 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number
Consumer complaint received 2022-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  acct # XXXXXXXX XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX  acct # 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer 15 U.S.C 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number
Consumer complaint received 2021-08-20
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: Experian Information Solutions Inc. (MO)

On XX/XX/XXXX, I noticed that my XXXX XXXX XXXX XXXX account balance was incorrect by showing a balance for the car loan that dated back to XX/XX/XXXX and a balance of {$4300.00}. I disputed the entry with Report Number : XXXX through Experian but also called XXXX XXXX XXXX XXXX about the issue. 

XXXX XXXX upon their initial call to me indicated that they had reported through XX/XX/XXXX. As I explained to the XXXX XXXX Complaints Management department for XXXX XXXX XXXX XXXX, after filing the dispute Experian updated the balance through XX/XX/XXXX. XXXX XXXX has continued to investigate but finally stating the issue is not theirs but Experian 's. As I explained to XXXX XXXX today, XX/XX/XXXX, I will continue to review my credit each month and call XXXX XXXX to have them investigate the issue and file disputes with Experian. However, this is a FCRA issue and someone needs to get it straight. 

However, Experian doesn't appear to care about it being a violation because they still haven't updated my report as of XX/XX/XXXX at which time I filed another dispute. 

Your assistance is required since I not only view this as a FCRA issue but a discriminatory act by XXXX XXXX to keep my credit score lower and thereby having credit denied to me. My Experian score is approximate 50 points lower than XXXX  and XXXX scores. Your assistance is required immediately.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (NJ)

I leased a car from Hyundai in XXXX, NJ in XX/XX/XXXX. When it was time to turn in the lease in XX/XX/XXXX I decided to purchase the vehicle. I went to the dealership and took out a loan on XX/XX/XXXX with Hyundai to buy out the vehicle. I got a loan through XXXX  auto finance to purchase the vehicle. A few weeks later I started getting calls, texts and letter in the mail saying I have a past due balance of {$1100.00}. I called the dealership and they assured me I have no past due balance since I bought the car. The account is now showing 60 days late on my credit report and dropped my score almost 100 pts. I have talked the creditors every time they call and have explained to them, I have sent them email copies of the purchase contract and yet this has not yet been corrected.
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Hello, I have seen some credit inquiries reported by XXXX and XXXX XXXX  on my credit report. I have sent both companies letter to get the inquiries removed, never heard any response from neither.
Consumer complaint received 2023-04-03
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'

m not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. See the documents attached.
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I have a Lowes CC and closed it years ago. At the time, as well as currently, I had opted for AutoPay, with a minimum monthly due to be automatically paid on the XXXX of each month. There has been no problem with my Autopay until XX/XX/2020. On XX/XX/XXXX, I logged in to my account and made an ADDITIONAL payment of XXXX, as I have scheduled ( for myself ) a series of additional payments every two weeks ( when I get Paid ) and will have my card paid in full by XX/XX/2020. I then made a payment of XXXX as well, As I am careful with my accounts and payments, I then went in to the CC section, payments scheduled .... and checked to make sure my payments of XXXX, XXXX AND my auto pay of XXXX were all accounted for. They were. On XX/XX/XXXX, however, it seems my autopay DID NOT pull my XXXX minimum. Although my XXXX did go through and my XXXX. My XXXX was then reinstated into my checking, making the CC look like I had made a payment less than my minimum payment due. I received a text from the CC stating that I owe XXXX in minimum and late fees. I called to dispute this charge. I noticed that Lowes CC DID NOT PULL MY AUTOPAY! I spoke with XXXX at Customer Service and she informed me that she would put through a complaint to look into the issue ( # XXXX ), which is fine. However, she told me that it would take 30 days to get an answer and that in the meantime, my next payment would be due and if I don't pay the XXXX before then, I would be assessed ADDITIONAL late fees as well as a collection notice! This information would be turned over to the credit bureaus. MY PROBLEM IS THIS! Do consumers not have the right to, when filing a formal complaint, have the amount disputed PUT ON HOLD, and ALL LATE FEES AND CREDIT REPORTING be held until dispute is settled?
Consumer complaint received 2022-04-30
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. (NC)

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. 

According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 or information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts : XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-11-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (NC)

Reached out to Aldous and Associates, refused to negotiate the payoff on the debt stated that XXXX XXXX  does not allow them to negotiate the debt. I had a XXXX XXXX account in which i had never used. XXXX collected over XXXX months of payments in which i never used thier services. I tried canceling the membership as i moved out of New Jersey, XXXX to XXXX NC. I moved to XXXX NC in XX/XX/2020 and informed XXXX in XXXX in which they refused to cancel the membership. There are NO XXXX XXXX in XXXX NC, when i tried cancelling the representative stated that i had to physically go back into the XXXX in XXXX NJ to cancel a membership that i would never use again. This is automatically placed me in a collection status because XXXX continued to collect on my membership although i had no physical way of utilizing their facilities or cancelling the membership. I would like this debt removed from my credit report as well as explore a class action lawsuit against XXXX XXXX for false advertisement. They stated that i can cancel at anytime with no contract, but they failed to inform me that i can not cancel easily. This need to me resolved quickly as this is preventing me from performing my job as a mortgage originator.
Consumer complaint received 2021-08-20
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: Navient Solutions, LLC. (SC)

Peace love and abundance. 
According to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information : a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

also 15 U.S. Code 1692c - Communication in connection with debt collection : ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

as well as the agencies not supposing to report on accounts older than 7 years of age. 

With this being said : All items being reported on my credit should be removed immediately! 


DEPT OF ED/ NAVIENT Date Opened : XX/XX/XXXX Amount : {$3100.00} DEPT OF ED/ NAVIENT Date Opened : XX/XX/XXXX Amount : {$5400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$510.00} +
Consumer complaint received 2021-06-09
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: NAVY FEDERAL CREDIT UNION (CA)

I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Credit Bureau from XX/XX/XXXX, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my Equifax Credit Report. That means Equifax failed to comply with the Fair Credit Reporting Act law which states that the XXXX should provide to the client 's requests. Here is the concerned account : XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX 2017
Consumer complaint received 2020-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

I have a mortgage with Wells Fargo, and have had it for over 10 years. For some odd reason in XX/XX/2019 they started reporting to the credit reporting agencies my balance being XXXX higher than it actually was, violating the terms of the loan disclosures in my closing documents.
Consumer complaint received 2019-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA is holding me accountable for 2 accounts that belong to my parents. One account that was open on XX/XX/2013 for {$300.00} and XX/XX/2013 for  {$5000.00}. I was only XXXX at the time my parents open the accounts. My mom has called and complained about these accounts being on my credit reports. But USAA has done nothing to remove them. We filled a dispute, but the investigation with my XX/XX/XXXX report has been under investigation for 2 years and they still have not updated it.
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

This debt collector is falsely reporting the dates of this debt to the credit bureaus. They have reaged the account and need the original credit card debt information. This account should be at the statue of limitations but they have purposely changed the date to make the account look new when it is very old. I have tried to dispute this through the credit bureaus already without success to get the accurate information reported. Credit was opened in XXXX. I have emails with the date from that account.
Consumer complaint received 2022-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 15 U.S.C. 1681 Account List : 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 XXXXXXXX Have all 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 an account without my written consent.
Consumer complaint received 2022-04-30
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: FREEDOM FINANCIAL NETWORK (NJ)

On or around XX/XX/XXXX I found a fraudulent loan opened in my name. The lender, FreedomPlus, Account XXXX, in the amount of {$10000.00}. I called FreedomPlus and spent 48 minutes discussing the fraudulent account. FreedomPlus provided me with Reference number XXXX. On XX/XX/XXXX I mailed FreedomPlus a certified letter via XXXX mail XXXX XXXX, containing a Police Report, FTC report, Drivers License and Social Security Card. Along with a FCRA section 623 letter, demanding explanation of investigation procedures, proof of my signature for accuracy and verification. The letter was received on XX/XX/XXXX by by XXXX : XXXX. I havent received a single piece of documentation. Per FCRA, what FreedomPlus is doing is illegal. Its now past 30 days. I am requesting this fraudulent account be completely removed from all 3 credit bureaus as it is unverified and inaccurate.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2019-11-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XX/XX/XXXX, I used online chat to request to transfer fund of my CD ending XXXX, which is due on that day, to my checking account. 
But on XX/XX/XXXX, I found that the other CD ending XXXX, which maturity date is XX/XX/XXXX, was closed on XX/XX/XXXX. I inquired via online chat right away and the bank admitted that an error took place on the back end, and someone from our processing team mistakenly closed the CD ending in XXXX. I requested the bank to reverse the unauthorized transaction. They stated that they couldnt. So I requested for a reasonable solution. My request is easy. I dont want to lose any interest cause I expect to hold the CD till maturity date, which I always did. 
XXXX, manager of their XXXX XXXX XXXX called in few hours and said they can credit me {$8.00} for the interest during XXXX XXXX. He didnt even mention that the bank has charged me a CD early closure penalty for {$81.00} until I asked. Upon I request, they credited 2 days interest and penalty right away. However, I still lose the interest I should have gained from XX/XX/XXXX to XX/XX/XXXX if the bank didnt mistakenly close the CD. XXXX stated that they can not credit future interests. So I ask him to find an alternative solution or instrument that can compensate for my loss. The interest rate of the CD is 2.47 %, APY 2.5 %. Of course, theres no such high yield CD now. So he said he will try to find out a solution. 
I waited till XX/XX/XXXX and got no response so I inquired via online chat again. After a 1.5 hours wait. The representative told me the case is closed and I will not be able to get any further funds. In the end she/he even stated that Upon reviewing I see that it was requested from your end for the account to be closed and transfer the funds to checking account. Obviously the prior 1.5 hours she/he didnt understand the whole picture of the case, which is totally wasting my time. 
I've attached the online conversation on XX/XX/XXXX and XX/XX/XXXX and highlighted the main points.
Consumer complaint received 2023-04-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC (TN)

I received a payday loan in the spring of XXXX in the late summer between XXXX and XXXX I was given the option to pay a final amount to pay off my loan in a lump sum. As I did so and the amount came out of my account I believed that I had paid off XXXX payday loan. However, in the following months after security finance continued to take out the normal payment amount without my knowledge. This year in XXXX I noticed my account had been overdrawn from a charge called XXXX  XXXX never noticing that was indeed check into cash. I went into check into cash and told them of the issue they proceeded to tell me the employee that took my lump sum payment no longer worked there and that I still owed money to the company. They have harassed me calling me every morning about payment. Even though Ive continued to give them money just to no longer deal with this and get it over with. I dont see how they can be allowed to do these things. The plan I set up for shouldnt be still in affect a whole year later. The loan shouldve been paid off with my lump sum. Theyve been robbing me of XXXX $ Each month for the last 6 months.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma (MN)

XXXX XXXX I applied for a card through credit karma because they told me in a promotion that I would get pre-approved. It also that it wouldnt be reported as a hard inquiry. I did not get approved and it was reported as a hard inquiry.