davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc. (MO)

I began Self in XXXX of 2020 in hopes of getting some extra points on my young credit score. 
My issues with this company began in XXXX of 2020 when I qualified for the Self secured card. 
I had issues receiving the card, and to this day have been sent 3 cards that magically ran into technical difficulties when trying to activate. 
There is no representatives available to speak to and after verifying my d.o.b, I encountered more technical difficulties and was immediately released from the call. 
I have several emails on record of me constantly getting automated messages in response to genuine concerns I have about the legitimacy of this company. 
None of my payments process on time and I keep getting {$15.00} late fees and this is even when I post my payments 4 days ahead of time ... I dont feel so good about this.
Consumer complaint received 2021-05-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I have reviewed a copy of my credit report and I show account number XXXX is on my credit report listed twice and is listed as non-verified accounts. I have attempted on several times to have this accounts reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this accounts due to attempting to purchase a home.
Consumer complaint received 2021-05-02
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. (IL)

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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-05-02
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (SC)

Complainant belongs to a class of persons whom the Fair Housing Act ( the Act ) protects from unlawful discrimination because of race. Complainant sought to obtain information on a USDA loan through Respondent Wells Fargo Bank , National Association ( Respondent WF ), and Respondent XXXX XXXX XXXX XXXX ), Loan Officer, alleging he had been pre-approved through USDA Rural for {$260000.00} with $ O down-payment and wanted information on rates and loan amounts because all his banking accounts were with Respondent WF. The property he was looking at buying was located at XXXX XXXX XXXX, XXXX XXXX XXXX County ), South Carolina, and did not foresee any issues obtaining the loan through Respondents WF and XXXX. Complainant alleges on XX/XX/2021, he was told by Respondent XXXX that he did not qualify for a USDA loan, but did qualify for an FHA loan, with a {$16000.00} down-payment. Complainant alleges he did not understand why he was denied the USDA loan through Respondent WF and XXXX, because he alleged, he met all the requirements, hence the pre-approval. Complainant alleges on XX/XX/2021, he received an official letter of denial fom Respondent WF stating he did not qualify because of information obtained on his crcdit report. Complainant alleges he feels he was treated differently than non-XXXX XXXX applicants, because it was only after he answered the preliminary questions about his race that he received the denial from Respondent XXXX and believes if he were Caucasian that he would have been approved without any issues. XXXX further alleges he contacted Best Life Mortgage and was approved for the USDA loan at {$320000.00}. XXXX feels discrimination occured against him bccausc of his disclosed race in violation of the XXXX.
Consumer complaint received 2022-08-14
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: NEW CITY FUNDING CORP. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX ( Sub # 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 2022-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/2022, I purchased new hearing XXXX from XXXX XXXX for {$5300.00}. At that time they opened up a new credit account for me with Care Credit ( through Synchrony Bank ) a program that specialized in medical issues and one that I have used before for XXXX surgical bills for our dog. A special program was used to allow 0 % interest over a one-year period of time. I received initial account set-up emails from Synchrony Bank XXXX including their caveat that paying the minimum amount due per month would not pay off the total balance before the end of the one-year 0 % interest period. Throughout XX/XX/2022 and into XXXX, I logged onto Synchrony 's website at least once per week to review my statement ( s ) and process a payment. As recently as XX/XX/XXXX, I logged onto the site and read that no statement was available, that my balance was {$0.00}, and that my available credit was still {$5400.00}. I was also prohibited from making a payment in the absence of a statement. During a follow-up appointment with XXXX XXXX ( on XX/XX/XXXX ), I commented about the absence of statements and inquired as to whether XXXX XXXX had processed my billing. On Monday, XX/XX/XXXX, I reached a representative at Synchrony Bank and was informed that a statement was processed on XX/XX/XXXX, with payment due on XX/XX/XXXX. Since I was never sent a statement, I was unaware of this " supposed '' event, missed the due date, was charged a late fee, have unintentionally violated the 0 % provisions of my contract, and have suffered damage to my otherwise impeccable credit rating. Deplorable is the only available word to describe the performance of Synchrony Bank. I have paid the complete initial charge ( {$5300.00} ) and have requested that the late fee and any interest be removed from the account. I am awaiting their actions but wish CFPB interaction regarding Synchrony 's information practices and investigate how often such " mis-communications and lost statement '' occur.
Consumer complaint received 2019-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NV)

I am trying to obtain copies of of my personal XXXX and XXXX Discover Card statements. 

This is for IRS audit purposes. I owe the Discover card money and they have not responded to my requests. I have been left on hold for hrs or hung up on or transferred to a third party debt collector. 
I have sent repeated request via certified mail. 

No response. 

Pleasae assist me in asking them for copies of XXXX and XXXX statements for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Email XXXX XXXX XXXX
Consumer complaint received 2019-03-20
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)

Hi, More than two years ago, paid the full amount to the collection agency. I was told will be removed from your account. 
Already sent the payment letter and XXXX  balance letter to the XXXX to remove the collection report from my credit score. However, they did not remove it and still keeping in my score. Currently, I have XXXX balance for that account and paid the amount two years ago. 

Currently, trying to get a mortgage loan for better APR, but can not get it because of this score that provided by XXXX  Please see the attachment Thank you, XXXX XXXX XXXX, XXXX, Ga
Consumer complaint received 2022-08-22
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. (NY)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 Ay 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 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

SOME FRAUDULENT ACCOUNTS WERE ON MY CREDIT REPORT BUT INQUIRES NEVER GOT REMOVED. XXXX BANK XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXXXXXX, XXXX XX/XX/XXXX US SM BUS ADMIN ODA
Consumer complaint received 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair credit reporting Act, DEPT OF EDUCATION/XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602A, states I have the right to privacy.

15 U.S.C 1681 Section 604A Sec. 2, states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (AZ)

The company sent people to my home. I returned their equipment as required in the boxes provided. I never received credit for the returned equipment, instead I am in collections for a far greater amount. The original amount was under {$300.00} and that equipment was returned to them, now they have a {$980.00} collection charge on my credit report! 
They have harassed me to no end and because sending people to my house didn't work they decided to go with an obscenely high dollar amount to inflict more aggravation on me.
Consumer complaint received 2022-08-14
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. (TX)

EQUIFAX you reinstalled a account with out notify me XXXX days in advance that is a violation of the Fair Credit Reporting Act you also have on this account past due this account was sold TO A COLLECTION COMPANY when THE ACCOUNT WAS REMOVED FROM MY CREDIT REPORT YOU REINSTALLED IT WITH THE ORIGINAL CREDITOR STATEING YOU HAVE A CERTIFICATEENCLOSED ARE A LONG LIST OF U.S.C. CODES YOU AND YOUR DEBTOR have violated also XXXX XXXX States selling a vehicle without notifying consumer of where and when the sale of vehicle was taking place
Consumer complaint received 2022-08-08
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. (NJ)

I traded in my XXXX XXXX for an XXXX in XX/XX/2022. My delivery was delayed because I had a medical procedure in XXXX and to make matters worse my wife was diagnosed with XXXX and needed to quarantine which further delayed delivery. The new vehicle was finally picked up on XX/XX/XXXX which created a 30 day late on my XXXX, Equifax and XXXX credit reports. Prior to this, my credit scores were all in excess of XXXX. I reached out to XXXX XXXX who financed my XXXX XXXX and requested a goodwill adjustment because I never had a 30 day late with them and they refused any accommodation after speaking with XXXX different individuals. My request for a goodwill adjustment was due to extenuating circumstances as mentioned above. The XXXX XXXX was paid off on XX/XX/2022 as per XXXX own records which is attached to this complaint. My payments for the XXXX XXXX are due on the XXXX of each month. As is clearly evidenced by the attached transaction report the car was paid off prior to the XX/XX/2022 due date. XXXX not only reported a 30 day late in XXXX but also reported the account as 30 days late in XXXX which is IMPOSSIBLE because the car was paid off prior to the XXXX payment due date ( XX/XX/XXXX ). XXXX has yet to correct their error which has further deteriorated my excellent credit ratings with all three credit reporting agencies. Furthermore, as evidenced by the attached XXXX account statement, my account is currently listed as past due which is outrageous. In addition, my Equifax report is showing the account as 60 days past due TWICE ( screenshot attached ). This has caused extensive damage to me personally and I demand that this erroneous and derogatory information be deleted immediately. I have tried to dispute this inaccurate and damaging information with all three credit reporting agencies but their online dispute portals will not allow me to attach documents.
Consumer complaint received 2022-07-29
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. (GA)

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (NY)

I have been charged numerous times throughout 2021 with fraud charges that I have not authorized. I have had to have my debit cards closed and replaced 4 times in the year. Most recently XX/XX/XXXX for XXXX different charges equalling {$130.00} The provisional credit was reversed with explanation that the companies provided proof, however, I can not get through to these companies as I do not have accounts with them. This is a constant issue I have with keybank and have never had with my other banking institutions. My accounts never seem to be secure and not getting the protection from Key
Consumer complaint received 2021-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Avantus, LLC (NJ)

AVANTUS LLC - Mortgage Reporters Inquiry Date XX/XX/2020 I tried to reach out to this company several times by phone, and email to get this removed from my credit report. I do not recognize this and did not authorize this credit inquiry. This company has very poor customer service or communication regarding this matter. I had no other choice but to contact CFPB to get this taken care of. I have been trying for several months with this company but they do not cooperate. They didn't even give me any documentation or paperwork showing any proof of this inquiry being authorized by me. Please have this removed from my credit report.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA (CT)

DATE : XX/XX/XXXX RE : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX. 

RE : Hyundia account # XXXX Dear CFPB : I spoke with XXXX XXXX from XXXX XXXX XXXX regarding my paid off old auto loan that is now disputed with XXXX. I sent Hyundai and XXXX   two disputes on XX/XX/XXXX regarding five late payments, they where never late Hyundai did not credit the payments on time. They simply said they were accurate and I needed to provide then " additional supporting information ''. 

I had spoken with XXXX XXXX from XXXX today XX/XX/XXXX and found the Hyundai account not reporting the entire payment history beginning XX/XX/XXXX-XX/XX/XXXX.  There is four years of payment data history missing and I asked Hyundai and XXXX ( XXXX XXXX ) to include that payment history because it is not showing on my account. 

As per the Fair Credit Reporting Act information must be one hundred percent accurate and verifiable. Simply reporting the late payments and excluding the positive payment history is misleading and I am asking XXXX  to include all the payment history in the record.
Consumer complaint received 2018-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (CA)

On XX/XX/2018 I mailed a letter disputing a debt collection that was inarticulacy file on my behalf upon review of my credit report I notice that I had a derogatory mark file by a company that I did not do business with in the amount of {$830.00} the company name is Eos Cca. I sent them a letter over a month ago and I still haven't got a response back addressing the false information.
Consumer complaint received 2022-06-26
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. (FL)

In Accordance with the fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX  account number XXXX, has violated my rights.

In Accordance with the fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the fair Credit Reporting act XXXX  account XXXX XXXX XXXX, has violated my rights. 

In Accordance with the fair Credit Reporting act XXXX accountXXXX XXXX  XXXX, has violated my rights. 

In Accordance with the fair Credit Reporting act XXXX  account emergency XXXX XXXX, has violated my rights. 
In Accordance with the fair Credit Reporting act XXXX  account XXXX XXXX XXXXXXXX XXXX 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 connot furnish a account without my written instructions.
Consumer complaint received 2021-05-02
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

The issue that I am having is such ; the credit reporting agencies claim that I owe for three loans that they claim were issued in XXXX but I only got one loan for one semester. I only attended XXXX one semester but there are three loans and I qualified for a Stafford grant then so that paid for a percentage close to XXXX XXXX XXXX. That's XXXX near one semester so why does the loan company day I owe for three more loans totaling almost XXXX XXXX? When I was in XXXX  I filed a credit report and noticed that in XXXX they reported my loan was forgiven and since XXXX was involved in the loan scam I believe it was forgiven but as soon as I got released from XXXX  a few months later in XXXX someone got three loans they say I owe for now but they are saying it's still from XXXX but I am certain they said I owed nothing in XXXX. Could you please help me with this issue? They refuse to forgive it and I've only had one loan and when I took as semester break I was charged and sent to XXXX  so I never got to complete college. It's my first loan and I don't know why I don't qualify for forgiveness if worst things the loans are they original loans. And if they are why were they removed and then put back? And why does the credit collection companies buy debt that I still owe to the courthouse or county for court costs? Why do they keep selling it to other companies before it can arrange payment plans?
Consumer complaint received 2018-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Comerica (NY)

I incurred 2 overdraft fees on XXXXXX/XX/XXXX as a result of my 2 student loans being debited from my account 8 days earlier than usual ( {$360.00} + {$640.00} ). It put my account in the negative, and when I charged an {$8.00} cab ride on the card again not knowing my account was in the negative I incurred an additional {$38.00} fee that same day. A total of 3 fees on the XX/XX/XXXX for a total of {$110.00}. 

I live in XXXX  XXXX XXXX, and have a Comerica account in Michigan  because of a client I have in Michigan   deposits checks into my account once a month. There are no Comerica bank branches in XXXX  XXXX  XXXX, therefore I can't get my account into the positive unless I either transferred money or I flew to Michigan  to make the deposit. Transferring the money would take usually at least 2 business days ( usually 3 or 4 ), and as a result I would continue to incur overdraft fees. My account was a - {$73.00}, so waiving 2 of the 3 overdraft fees would put me in the positive and would stop the process of additional overdraft fees being charged to the account. I called customer support on the XX/XX/XXXX hoping they would work with me in order for my account not to keeping incurring overdraft fees, and was told there was nothing they could do. In addition they suggested my only option was to speak with the bank manager where the account was opened and it would be up to their discretion to waive the fees. 

The person on the phone also notified me that I've had overdraft fees waived in the past before, so it's very likely that the manager would not waive these fees. This left me with no other option, than to either continue incurring the fees until I was able to transfer money into the account or fly to Michigan to make the deposit. When I called the bank to speak with the manager, the manager refused to waive the fees and was not willing to work with me. I felt absolutely helpless, and the manager and customer service continued to reiterate that there is nothing they could do for me. 

While I understand the fees where incurred as a result of transactions I allowed, I did not expect the bank to refuse to work with me on this case. In addition, knowing that I would continue to incur overdraft fees for a least 2 business days which would continue to drive my account into the negative, was a viscous and unfair decision by the bank representatives.