davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

There has been several errors on my credit file and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify the accuracy of accounts listed. I have complained about this issue before on previous accounts. Please remove all non-account holding inquiries over 30 days old.XXXX XXXX XXXX XXXX XXXX XXXX. Please add a Promotional Suppression to my credit file. There is a bankruptcy account that is not accurate on my file Please delete it is in error. This account is in error please delete OHIO DEPT OF HUMAN SERVICE.
Consumer complaint received 2018-05-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP (MN)

36 months ago I leased a truck through US Bank. Last week I paid the balance in full.

When you call XXXX XXXX XXXX XXXX XXXX they claim the loan is closed and I should have the tile in 10-15 days.

When I log in online or call US bank customer service they are still trying to collect and additional {$260.00}. They claim this is just and error to ingnore it.

I dont think Banks should be asking for money the know is not due. A bank should not tell you its an error that they cant fix. The operator went on to tell me that I should be thankful that I dont have automatic payments set up as that takes 2 months to turn off and they will not refund the error for 8 weeks.
Consumer complaint received 2022-08-09
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: SECURITY FINANCE CORP (NC)

n accordance with the Fair Credit Reporting and XXXX Account, has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have a 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 2022-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter onXXXX XXXX to CREDIT bureau ) to remove XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$580.00} that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUEAUS are required to remove any accounts not later than 4 business days after theXXXX XXXX leter that was sent to CREDIT BUREAUS. .Ive already included this in my previous Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & I am including it again.,
Consumer complaint received 2021-06-08
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. (TN)

I want to report the misuse of my PERSONAL INFORMATION. I did not give consent to the credit bureaus to report a bankruptcy on my credit report. By law this information is considered private and I want this information removed. The bankruptcy reference number is XXXX. The credit bureaus ( equifax, XXXX, and XXXX ) are reporting this information without consent. 
Please reference the cornell law 15 US code 1681 a, 4 : 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.
Consumer complaint received 2018-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX : XXXX performed a hard inquiry on my Equifax credit report without my consent. On XX/XX/XXXX I received a credit alert via text message. I contacted XXXX on XX/XX/XXXX at XXXX. I told the representative I had an inquiry on my report even thought I did not apply for service. I was told it was due to debt collection and associated with the previous user. I informed them that I have had the phone number since XX/XX/XXXX. I was told the inquiry would be removed. It has been nearly two weeks and the inquiry is still on my report.
Consumer complaint received 2022-08-23
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

The Credit Bureaus stated my account was properly investigated numerous times, but how is that possible when if the open dates are inaccurate, the dates last active are inaccurate and the date last reported is also inaccurate across all 3 reporting credit agencies. This Is Grounds For Removal In accordance with the Fair Credit Reporting Act, XXXX, XXXX, & Equifax Has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

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 These Addresses do not belong on my report : 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 employers do not belong on my report : XXXX XXXX XXXX contracting XXXX XXXX contracting These inaccurate Date of Birth do not belong on my Report : XXXX XX/XX/XXXX And I will attach photos from my credit report circling ALL ACCOUNTS AND INACCURACIES AND VIOLATION that are being reported on my credit report.
Consumer complaint received 2022-05-04
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. (NY)

XXXX reverse late payment fee for late payment of XX/XX/2021, I explain to XXXX  this is an app issue and my bank account was disconnected and thats the reason for the late payment.. according to 15 USC 1681 602A states I have the right to privacy 15 USC 1681 section 604A it also states a consumer reporting agency can not Furnish account without my written instructions 15 USC 1666A a creditor may not treat a payment on accounts under an open end consumer credit plan as late for any purpose. Attach is the email stating they reverse my late payment fee as well also on XXXX its being reported as XX/XX/2021 Equifax its being reported XX/XX/2021 this information is all inaccurate this is a Violation of my federally protected consumer rights
Consumer complaint received 2022-05-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

My checking and savings Accounts Were hacked into and moved into a payee account that they set up and then wire transferred l {$50000.00} to XXXX XXXX XXXX Bank. This all happened on XX/XX/2022 XXXX
Consumer complaint received 2022-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I called TRANSUNION ( on this day and the time you did ) reporting inaccurate information from alleged creditor name by XXXX XXXX XXXX. The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of XXXX8 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave TRANSUNION permission to take my information. 

TRANSUNION have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX. TRANSUNION has failed to provide XXXX, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support TRANSUNION claims on my credit file.

Furthermore TRANSUNION has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which TRANSUNION is in violation because I was not given any type of these reports in this investigation.

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-05-04
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. (CA)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of. And being ignored of my disputes. 

The information was removed from 2 bureaus, due to inaccuracy, but still remains on one bureau Section 611 ( a ), it is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report. It has been over 30 days. So they should be deleted promptly. I demand those account accounts be deleted immediately, or I will file for litigation, due to the stress this has caused me.

The credit bureaus have also violated 15 USC SECTION 1681 623 ( 9 ) ( B ) ( 2 ) The credit bureau are suppose to complete all investigations before the expiration of the period under section 611 ( a )
Consumer complaint received 2018-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (WA)

On XX/XX/2018, I made a {$220000.00} payoff on our mortgage. The XX/XX/XXXX regular payment had already been made with interest paid through XX/XX/18. Instead of charging me interest for 8 days in XXXX, the mortgage company charged me interest through XX/XX/XXXX even though they had the funds. The interest on the {$220000.00} balance@ 3.75 % should have been {$180.00}. They charged us {$710.00}, or {$520.00} excess. They deny any wrong doing and/or mistakes were made and caused the payoff process to be delayed by over 30 days at which time they snagged us for additional funds with which to pay the real estate taxes 20 days prior to the due date. If this is their standard procedure, they are bilking the general public by millions of dollars annually. According to them, I failed to get a " formal '' payoff quote prior to remitting the payoff funds. Copies of all correspondence with them and payment records are enclosed.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX Account XXXX  # XXXX XXXX # XXXX XXXX XXXX Bank XXXX 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 can not furnish a account without my written instructions
Consumer complaint received 2022-04-14
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. (UT)

2021 SOMEONE RENTED AN APARTMENT WITH XXXX XXXX XXXX IN UTAH FRAUDULENTLY IN MY NAME WITHOUT MY CONSENT. 
NOW EQUIFAX CREDIT REPORTING IS POSTING FRAUDULENT INFORMATION ON MY PERSONAL CREDIT REPORT FALSELY. EQUIFAX IS IN VIOLATION OF MY FCRA RIGHTS. 
THE XXXX XXXX XXXX ACCOUNT IS NOT MINE, I NEVER OPENED IT.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Neon Newco Corporation (CT)

Account ending XXXX An ACH deposit from a settlement, XXXX, in the amount of {$10.00} was being held pending verification on XX/XX/XXXX. As requested by Netspend, I called in to verify, spoke with several reps, confirmed the amount and the sender.. Reps were explained the amount is due to me, a settlement payment, reps claimed transaction can not be processed because my name is not on it when other ACH deposits from XXXX  by XXXX XXXX have processed without my name with no issue. The amount, {$10.00}, was debited on XX/XX/XXXX from my account and credited back on XX/XX/XXXX. Needless to say, the item was rejected back.. A XXXX with Netspend Corporate office tried to infer the issue was resolved stating the amount was credited back, ignoring the fact the item was debited prior and the amount is due to me.. His reply was submitted in re to a XXXX  complaint filed, ( XXXX XXXX XXXX ) , which is unresolved. I believe the item was rejected in error and request Netspend credit the amount to resolve issue
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (WV)

PayPal Credit billing statement, minimum amount due to prevent interest charges and the application of payment of the said amount is false and misleading. Purchases over { {$99.00} } are advertised as 6 months no interest, no payments. Purchases under { {$99.00} } must be paid within 25 days to prevent incurring interest charges. PayPal Credit billing statements inaccurately report the accumulation of purchases made under { {$99.00} }, even though those purchases occurred greater than 25 days prior. In addition to carrying this balance forward month to month they will include the amount of the current month expiring promotions in the minimum amount due to prevent interest, which causes me to pay a higher amount than what is actually due. Upon payment of the minimum payment to prevent interest based on the billing statement, PayPal then applies the payment to the current expiring and future promotional purchases ( within 60 days expiring ) while leaving the standard purchases accumulation to roll forward. This method ensures that they are receiving a monthly cash flow payment of at least the accumulation of standard purchases and in excess of the actual amount due in the current period ( expiring promotions and purchases within prior 25 days ). First, if the promotion is 6 months with no interest, no payments then payments made should not be applied to items that are not yet due nor require a payment. The payments should be applied to the standard purchases and promotions expiring in the current period with any excess paid above that amount applied to future promotions. Second, even though they are not charging interest on the standard purchases, which are accumulating, they are not in compliance with the terms communicated to the consumer, which state standard purchases must be paid within 25 days, yet when the standard purchase amount is paid within the 25 days, the payment is not applied to the standard purchases. I have canceled my account with them after noticing for several months I was writing them checks of $ XXXX- $ XXXX monthly and still showing a standard purchases amount over { {$300.00} } even during months when no new purchases were made. 

In addition, Paypal would not recover money paid for a couch that fell apart before I had it one year.
Consumer complaint received 2018-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo dealer services is reporting that i am 115 days pass due on an auto loan. They submitted the incorrect information to my gap insurance that is refusing to pay for a vechile that has been declared a total loss. In XX/XX/2018 they mailed me a letter stating that my report has or will be suppressed until they receive payment from my GAP insurance company, but they have been reporting anyway. I have contacted all three credit bureaus that they are reporting incorrect information. I submitted the letter for them to delete the information and they refused to delete it. It is hurting my credit tremendously, by showing that i am 115 days pass due.
Consumer complaint received 2022-04-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST (UT)

We have an RV loan with Bank of the West. All regular payments come out electronically. We were told any principal payments would have to be separate via check, so we set up a bill pay check in XX/XX/XXXX for {$500.00} extra a month. XXXX, XXXX, and XXXX payments were all applied correctly. In XXXX we noticed a regular payment was not taken, in looking online they had been misapplying the principal payment for XXXX, XXXX and XX/XX/XXXX. The only number we could call was the XXXX number that had an XXXX hour wait multiple times. We took work off and went into the XXXX branch on XX/XX/XXXX to resolve this issue. The banker XXXX, had no recourse other than to call the same XXXX number. He said they would fix XXXX, XXXX, XXXX principal payments as well as some of the regular payments that had also been misapplied. He told us that due to " regulations '' we couldn't make principal payments via bill pay and had to mail them in in special envelopes which he said he would mail to us. we never received them. In XXXX they took XXXX regular payments out, our regular of XXXX and an additional XXXX also applied as regular. I called and got a supervisor, XXXX, whom let me know my online history reflecting incorrectly in several spots : The regular payment on XXXX history shows all applied to principal ( XXXX said {$420.00} was applied to interest ) and XXXX of the XXXX XX/XX/XXXX principal payments ( which for some reason were broken up into XXXX and XXXX to equal our {$500.00} ) history reflecting the XXXX is principal, XXXX said it was reflecting as a regular payment. This was her answer for why a second random regular payment was taken on XXXX for XXXX and my online history was wrong. She suggested I keep the extra XXXX payment in place even though it was now reflecting I had overpaid by XXXX. She is supposed to mail me a correct history and principal payment envelopes that were supposed to have been sent out in XXXX that we never received. Bank of the West 's current process of making it so difficult to make a principal payment on a loan is deceptive and unfair.
Consumer complaint received 2019-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

I had a XXXX XXXX XXXX credit account through synchrony bank, which I paid faithfully, never missing a payment, even during 7 MONTHS OF UNEMPLOYMENT, stemming from a work related injury. XX/XX/XXXX I paid the account in full, and was abruptly informed that my account was being closed BY THE COMPANY, due to a low credit score. I am outraged that this is how people that truly try and pay their bills and better their credit get treated. XXXX XXXX would be ashamed. I would like my credit account reinstated as I am a faithful XXXX XXXX XXXX patron, and have repaid all credit extended to me. My credit score has also risen 45 points since the termination of my account.
Consumer complaint received 2022-07-30
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. (GA)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX XXXX, XXXX XXXX Experian XXXX XXXX has not responded answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX XXXX Balance : {$110.00} i believe were reporting in error.
Consumer complaint received 2022-04-15
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. (CA)

The name of the Fraudulent financial institution is " XXXX XXXX XXXX " This account was opened by somebody else without my knowledge on the XXXX XXXX, 2021. 
The Balance on this account is {$5100.00} I have made many attempts to resolve this fraudulent issue with the bank. However they disregard my claim since the fraudster used all of my personal information. I have filed a complaint numerous times with the federal trade commission. This is my last attempt before getting attorneys involved. Please help me remove this account from my credit bureaus.