davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation (CA)

I called fortiva XX/XX/year> to start my credit protection that I've paid on.in a previous recorded call they told me i could start a active claim in XXXX. They said i couldnt because my account is closed which is a lie my account is open, and i have a attachment from XX/XX/year> email that shows my account is past due no way a closed account could be past due... .they need to start my claim asap to this month. per the fair credit protection act accurate Info should be reported and its not therefore ant fees accrued need to be retracted
Consumer complaint received 2024-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. 

You are also violating my rights under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) by failing to provide transparency and accountability in your collection practices. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and also these XXXX XXXX and names not associated with me 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
Consumer complaint received 2023-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I noticed and reported fraud on my Bank of America credit card on XX/XX/2023 while the transactions were still in a pending status. 

There was two charges ( one for {$930.00} and another for {$790.00} ) from Spirit airlines that were not authorized by me. I have never done any business with this airline. 

Bank of America investigated my claim and provided a partial reversal of the fraudulent charges, {$930.00} was reversed and the rest was not. 
They also provided partial documentation from Spirit airlines advising me that I received services and am responsible for the {$790.00} charge. 

I contacted Spirit airlines and they would not investigate this matter since Bank of America had to initiate this process. They were able to send me some documentation of how the airline ticket was purchased along with an email and phone number that did not belong to me. 

On XX/XX/XXXX, I attempted to appeal Bank of Americas decision and was advised I had to start a new claim/dispute as the initial claim was closed. 

On XX/XX/XXXX, I requested an email or mailing address to submit a formal written complaint and their representative XXXX from Arkansas advised they do not have one and I can only proceed to file a complaint with her over the phone. 

I do not understand how one charge was considered fraudulent and the other valid since the same person/contact info processed both transactions. 
Bank of America did not thoroughly investigate these fraudulent charges and my credit score has been negatively impacted due to carrying a balance of this credit card.
Consumer complaint received 2024-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.
Consumer complaint received 2023-06-14
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. (CA)

Dear Experian XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX, I am writing to inform you of some changes to my personal information that are pertinent to my credit account with your institution. I need it changed because I fear I am susceptible to Identity Theft Please update my records accordingly with the following information : 1. Name : XXXX XXXX XXXX 2. Address : XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX 3. XXXX XXXX : ( XXXX ) XXXX 4. Email Address : XXXX REMOVE ANYTHING THAT DOES NOT MATCH THIS INFORMATION These changes are necessary due to [ provide a brief explanation for the changes, such as a legal name change or relocation ]. I kindly request that you update my personal information in your system as soon as possible to ensure the accuracy of my credit account. 

Additionally, please ensure that all future correspondences and statements are sent to my new address and that my contact information is updated across all relevant departments within your organization. 

I understand that providing accurate and up-to-date information is crucial for maintaining a healthy credit profile and avoiding any potential discrepancies. If there are any forms or documents that need to be completed to facilitate this change, please send them to me at the new address mentioned above, or inform me of any necessary steps to complete the process. 

Thank you for your prompt attention to this matter. If you have any questions or require further clarification, please do not hesitate to contact me at the provided contact number or email address. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (VA)

I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.
Consumer complaint received 2024-11-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Good Morning, My attached auto loan information is attached. A USAA representative contacted me today (XX/XX/2024 ) to inform me that my XXXX payment was returned. I did not find this information out until this morning when I talked to the USAA representative. I should have received some kind of notification that my XXXX payment was returned so I could have taken care of it then, until now when a USAA calls this morning demanding payment for a payment I thought was already made. USAA only calls when a payment is already past due. 
Also, I am not satisfied with the customer notification process or alerting when a change is made or an event occurs that affects the customer 's account. I was informed by the USAA representative that the notification is sent through the app, which would not be of any help since I do not receive any notification to check the app for new messages from USAA. I am writing to request that I be notified through email ( XXXX ) or phone through text or voice ( XXXX ) when there is any event that affects my account. 
I am also requesting that I be sent payment alerts when a payment is upcoming due or past due. Please send me these notifications to help me stay on top of this account. Your customer service has made it difficult to stay on top of my auto loan. 
Also, I am not able to see any of my payment history when I log into the app. When I check Recent Transactions, I only see what has been applied to the principal and interest on my loan. This is not sufficient, a customer should be able to see a payment history of payments they submit. 
I was told that a late payment would be applied to my car loan, but I believe this is unfair since you never adequately notified me that the payment was returned in the first place. 
I will be submitting a payment on XX/XX/2024. 
Thank you.XXXX XXXX
Consumer complaint received 2022-08-21
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I went to XXXX with an approval from XXXX XXXX Bank, but they ran my credit with XXXX XXXX XXXXXXXX XXXX XXXX 2 times, XXXX XXXX XXXX XXXX without my consent. 

After that I kept getting inquiries on XX/XX/XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, 2 from XXXX XXXX 

The same happened when I went to XXXX XXXX XXXX on XX/XX/XXXX, I had an approval from XXXX XXXX XXXX and I have unauthorized inquires from XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX OF XXXX XXXX XXXX 2 times XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have unauthorized inquires from XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX I need these unauthorized inquires deleted/removed off my credit report.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Our loan was transferred to XXXX XXXX  XXXX in XXXX. Our payment amount was made in the correct amount of {$2700.00}. On time for months. Company has been reporting us late since they took it over in XXXX saying that we didnt pay enough money ( even though it was the exact amount on the statement ) so they didnt apply the amount until we payed our mortgage the next month and so on. Company will not fix it claiming our payment has always been {$290000.00}, even thought we have statements from them showing {$2700.00}.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current (FL)

I am writing to file a formal complaint and seek assistance in resolving a matter with Current Bank, account holder under my name, XXXX XXXX XXXX and their failure to provide me with a closure check after terminating my account. 

On XX/XX/, my account with Current Bank was officially closed. As part of this closure process, I was informed by a bank representative that I would receive a closure check totaling {$310.00} within 14 days. 

However, despite the assurances given, more than a month has passed, and I have yet to receive the aforementioned closure check. I have made numerous attempts to contact Current Bank 's customer service to address this issue, but unfortunately, these efforts have yielded no satisfactory resolution. 

Given the delay and the apparent failure on the part of Current Bank to fulfill their commitment, I am seeking the intervention of the Consumer Financial Protection Bureau to assist in expediting the retrieval of the owed funds. I kindly request your help in facilitating the retrieval of the check or urging Current Bank to issue an expedited replacement check without any further delay. 

I have been inconvenienced due to this delay and require these funds for my financial obligations. I am hopeful that with the intervention of the CFPB, this matter can be promptly resolved. 

I have included copies of pertinent documents, including my account closure confirmation, for your reference. If any additional information is required, please do not hesitate to contact me. 

I sincerely appreciate your attention to this matter and kindly request your prompt assistance in resolving this issue. Your intervention in this matter would be immensely appreciated. 

Thank you for your time and attention. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2022-05-30
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. (LA)

company will not validate and show the method of verfication for disputed items. i have sent letters out on XXXX XXXX until now every 30 days company still have not validated or provided the method of verification. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX. Validate Verify XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX Account Number : Please investigate and delete from my credit report.

5. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report
Consumer complaint received 2023-02-24
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)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me.
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (RI)

On XXXX XXXX I sent out a letter to XXXX, XXXX, and Experian. However it's been over 30 days and the credit bureaus failed to comply with fixing my credit report despite my attempts to contact them and its being past the 30 day window for resolution. This is preposterous this is really not making any sense. 

According to the law 15 U.S. Code 1681i- Procedure in this case of disputed accuracy. If the completeness or accuracy of any item of information contain in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the items from the file in accordance with paragraph ( 5 ), Before the end of 30 - days period beginning on the date on which the agency receives the notice on the dispute from the consumer or reseller.
Consumer complaint received 2021-11-18
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)

I sent the credit bureau a letter on XX/XX/2021 disputing inaccurate on accounts on my credit report and requesting they provide me with the procedures used to validate this inaccurate information. They again responded to me with verified results even though I have been disputing these problematic accounts for over 1 year now. They are violating the FCRA by not conducting a proper investigation into my disputes. This is my first of many complaints because they have violated my rights as a consumer numerous times while continuing to report inaccurate information. I have followed the instructions of the FTC and CFPB. Something needs to be done about this company.
Consumer complaint received 2022-11-06
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. (CO)

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX account number *** XXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX  account number XXXX has violated my rights. 
XXXX XXXX XXXX account number XXXX has violated my rights. 
Us Department of Education account number XXXX has violated my rights. 
Us Department of Education account number XXXX has violated my rights. 
Department of Education account number XXXX has violated my rights. 
XXXXXXXX XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX account number XXXX has violated my rights. 
XXXXXXXX XXXX XXXX  account number XXXX has violated my rights. 
XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX  account number XXXX has violated my rights. 
XXXX XXXX XXXX account number XXXX has violated my rights. 

15 USC 1681 Section 602A. States I have the right to privacy 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681s2 ( E ) ( i ) ( I ) ( II ) States I have the right to ask that a financial institution remove a default from my consumer report if the financial institution offers a rehabilitation program which requires me to make consecutive payments in a renewed and willingness ability to pay. Notwithstanding any other provision of this section, a consumer may request a financial institution to remove from a consumer report a reported default regarding a private education loan, and such information shall not be considered inaccurate, if the financial institution chooses to offer a loan rehabilitation program which includes, without limitation, a requirement of the consumer to make consecutive on-time monthly payments in a number that demonstrates, in the assessment of the financial institution offering the loan rehabilitation program, a renewed ability and willingness to repay the loan ; and the requirements of the loan rehabilitation program described in subclause ( I ) are successfully met.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

In XX/XX/2022, I contacted Synchrony Bank and PA State Attorney General 's Office regarding the Adverse Action Synchrony Bank had taken against me by closing various accounts and/or lowering my credit limits, drastically. I informed Synchrony Bank of the damages they caused me by taking these actions and also gave them the opportunity to fix this issue prior to me filing a claim in Federal Court, as they have grossly violated my Federal Rights. A few weeks afterward, Synchrony Bank contacted me and refused to reopen my accounts. In their letter the stated, they are able to pull my credit whenever they want. I responded to them asking where was this information, and I also know that it is a direct federal violation to pull my credit without my consent. I also know that XXXX is in violation of Federal Law if they offer any updated information to a financial institution without my consent or request. 

On XX/XX/2022, I received an email from Synchrony Bank, that in a retaliatory action, they closed another one of my accounts. In the letter, they made mention of a credit score provided to them from XXXX. This was fraudulently done because I did not request my information be provided to them, nor did I authorize XXXX to release this information, nor did I authorize Synchrony Bank to pull my credit. In addition to, the term " credit score '' does not appear in any US Code or Statue, making this a fraudulently made up term on top of the fraudulent, unauthorized use of my social security number. Both parties were complicit in the fraud and discrimination against me, violating numerous rights outlined in the FCRA, CFR, EOC, Public Law, the Consumer Credit Protection Act and so much more. 

Synchrony Bank has a pattern of reviews related to fraudulent activity and consumer abuse. And XXXX also has a history of publishing unauthorized consumer reports.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting act. XXXX account XXXX, XXXX XXXX XXXXHAS Violated my rights Federal Protected consumer rights 15.U.S.C 1681 section states i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions.

15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items of In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. 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 } A person Shall not furnish Any information relating to A consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate