davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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. (MN)

The credit bureaus has violated my rights under the FRCA and the CARES ACT, and have caused me undue stress and phycological pain Under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s2 ( a ) ( 1 ) ( F ) ( i ) ( I ). They have not been reporting inaccurate information.

Under Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation. They have been reporting inaccurate information. Under the CARES ACT : If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. 
If the credit obligation or account was delinquent before the accommodation, during the accommodation the furnisher can not advance the delinquent status. They have been reporting inaccurate information, and have not followed the law Also, whenever the credit bureaus and furnishers provide information on a consumer, they have the obligations related to the accuracy and integrity of the information they furnish under the FCRA and Regulation V. The credit bureaus have failed and they have been reporting inaccurate information. 

To ensure compliance with these obligations, if furnishers are reporting information to consumer reporting agencies about a credit obligation or account that is current, they should consider ALL of the trade line information they furnish that reflects a consumers status as well as the credit bureaus
Consumer complaint received 2022-05-03
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-12-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY (NJ)

Had applied for an auto loan with Auto lenders who submited the loan application to Wells Fargo whom I have my mortage with and banking. They turned me down for this reason. One or more credit accounts are in forebearance or deferment. That was my mortage back during covid which when I signed it was told it would not have any effect on my ability to borrow money. Its been long over with haven't missed any payments at all. The forbearance is long over with. After I complained they sent me a new reason I ( I have both in writing ) The new reason was incomplete credit application. Not so thwe other banks appoved me with same application. I was then used as a game stating Wells turned you dow so I went with higher then I should have rate.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (CA)

I sent a debt verification letter to the company on XX/XX/year>. The letter was delivery via USPS certified mail on XX/XX/year>. The tracking number is XXXX XXXX XXXX XXXX XXXX XXXX. They also have not stopped their consistent attempts to contact me.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Byrider Franchising, LLC (IL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-03-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding LLCXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX South Carolina XXXX XXXX PH. XXXX. I have been sending this company letters for the last 6 months. Regarding an collection they have added to my reports. I DO NOT KNOW THIS COMPANY. I have not done any business with this company. I have no contract with this company. This company has nothing in writing stating I agreed to any form of a contract. This company would only send me a bill saying I owe {$680.00}. This is not PROPER VAILIDATION. I want to see All of the documents opposed to just a bill?
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-10-28
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC. (CA)

I received a letter on XX/XX/2018 appearing as an offer to consolidate my student loans under the Federal Student Loan Forgiveness Program. After calling the number given I was greeted with an agent that said they worked for Navient. They gave my student loan servicer, loan amounts and then I was asked to verify my information to verify my identity. As asked for, I offered my FSA ID, PIN, employer name and status and gross annual wage information. They told me that I definitely qualified for the student loan forgiveness program and would only need to make payments to them per month towards my student loans for 10 years after which my loans would be 100 % forgiven. I would first need to make a large Loan Service payment in order to process the consolidation. They would only accept Direct Bank Transfers. Given that they were posing as a government agency and the fact that they had my data before I even offered it.I gave them this information as well. They said they would then send my loan to be serviced by a private company XXXX XXXX. That my loan statments would show up as {$0.00} owed but that was because XXXX XXXX would have already made the withdrawal from my account and I shouldn't worry about that as it was just a receipt acknowledging my payment. I signed an agreement under the false information they had just provided me over the phone and was none-the-wiser for it. Because my loan was actually {$0.00} due each month I never suspected that I was being scammed and my credit report reflected that I was good on my payments to my student loan. It wasn't until 11 months later when verifying that my student loan renewal information was correctly received that I found that while Navient is an official government student loan servicer I never had my loan put into the Federal Student Loan Forgiveness program and also that I had made 0 payments on my loans since consolidating them into Navient. It was at this point I was made aware that I had been scammed. Upon reviewing all of my account information with Navient I found that XXXX XXXX had logged into my account with Navient and had changed my email in an attempt to subvert the control of information to me.
Consumer complaint received 2022-05-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (AZ)

Citibank offered a XXXX XXXX mileage promotion in which a customer opened a new account for various deposit amounts to receive mileage. 

I deposited {$50000.00} to qualify for the bonus of XXXX miles. 

Terms and conditions on offering circular stated deposit new - to - Citibank funds into your On deposit balance within 30 days and maintain the deposit balance for 60 consecutive calendar days and sadly, you will earn up to XXXX bonus miles I called on a recorded line XX/XX/2021 to Citibank after the XXXX day, as clearly stated on the disclosure and requested a withdrawal of my funds, but to maintain the account to remain open to insure that I would receive the Bonus. 
I was assured by the Citibank agent that I would receive the bonus and would keep the bank open keeping a {$100.00} balance to insure I would receive the bonus. 
Later, I received a check for the full amount of my account balance which closed my account. 

I waited months for my XXXX mile bonus which never appeared on my XXXX XXXX account and began calling Citibank. 
I throughly explained that the promotion offer specifically said Balance was to be maintained on 60 consecutive days and not to remain open to receive the mileage bonus.

Numerous calls, resulting in various questions and responses to the wording of the promotion terms and conditions.

I filed to complaints with compliance and marketing department and received negative results to my complaint, basically saying account needed to remain open after the 60 day period. Even when I advised them that I had instructed the account representative to in fact keep the account open with {$100.00} to be safe.

My complaint is basically truth in savings agreement and false advertising in their marketing brochure, which I have in my files.

I am mostly upset with this frustration on a very minimal bonus for a new customer and the lack of clarity in the truth in advertising that they would not observe the customer is always right rule as i will continue my quest in filing this complaint with you. 

Thank you, XXXX
Consumer complaint received 2022-05-03
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. (TN)

In accordance with the fair credit reporting act XXXX account #. XXXX has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy
Consumer complaint received 2019-10-28
Product: Credit card or prepaid 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: FIRST NATIONAL BANK OF OMAHA (IL)

Applied for a XXXX First Bankcard with a 12 month 0 % interest rate When I applied I requested a {$2400.00} pay off of my XXXX XXXX XXXX I never received a letter or notice of my application. 
Approximately 3-4 weeks after I applied I received a letter and that same week an email to activate my new XXXX card. 
I called the Number on the card an stated I never received the card. 
the gentleman I spoke with said he would issue a new card and send to me in around 10 days. I ask if can be done faster and he stated they could expedite and get to me in 2-3 days.

Five days late the card came by priority USPS Saturday XX/XX/2019. 
I then signed up on line to activate the card and get an account balance. 
it showed I owed {$13000.00}, the amount sent to XXXX. 
I immediately called and the supervisor who told it was a typo, she said they could not do anything that I would have to call to get the correct amount sent back to me. 
I called XXXX MondayXX/XX/2019 they told me they could not send the credited amount back to First Bankcard, but First Bankcard could issue a credit recall. With XXXX on the line I conference call with First Bankcard and the First Bankcard representative said she would issue the credit recall and it would take 24-72 hours. 
As of this writing Monday XX/XX/2019 the credit has not been issued the full amount still shows as full XXXX still has the full amount sent to them. After several calls today to First Bankcard they told me it is still processing. the operator I talked to said it was a very large amount, I told her that I need to talk to the Supervisors, Supervisor and that I was also writing this complaint to the CFPB. 
I've been diligently trying to get this taken care of since the call I made on the XX/XX/XXXX the supervisor told me that as of XX/XX/XXXX I would be charged for the transfer amount and a very high monthly payment, which i was trying to get my monthly payments lower.
Consumer complaint received 2022-05-03
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. (TN)

In accordance with the fair credit reporting act XXXX  account #. XXXX has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy
Consumer complaint received 2022-05-03
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: National Credit Adjusters, LLC (TN)

In accordance with the fair credit reporting act XXXX  account #. XXXX has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy
Consumer complaint received 2021-02-24
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: CITIBANK, N.A. (VA)

Macy 's is lying. They say that I did not receive mail notifying me about my late payments because the wrong address was on file. While it is true that my current living address has changed my old living address was being forwarded to my parents house in the interim. They only received one mail and that was simply to notify me that my account had been closed due to late payments. That was on XXXX. I never received mail in XXXX, XXXX nor XXXX ever at all from them. They are flat out lying. I was under the impression that I paid this account in their store after failing to get a hold of a phone agent after she hung up on me after an hour long hold. Not once was I ever notified nor did Macy 's make any effort to notify me of any late payments.
Consumer complaint received 2023-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I have a {$2900.00} debt collection on my credit resulting from an previous apartment that I lived in with my mother. I signed a lease, but she was head of household. We moved out and there was still a balance due. However my mother has filed bankruptcy since then and that debt has been cleared off her credit, but still shows up on my credit report. I need to get this charged cleared from my credit report, as it is hindering me from applying to future apartments. I should not be liable for this amount as it has already been put through my mothers bankruptcy. Its off her credit but not mine. Without this charge taken off I cant find a place to live.
Consumer complaint received 2022-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I registered myself few days back with PayPal and received my first payment today for the freelance consulting services provided by me to a XXXX based client. The moment the invoice was paid by the client, the amount went into hold and there was a temporary account limitation imposed which I tried to resolve by submitting the asked documents but it went into permanent limitation. My email registered with PayPal is XXXX. 
I have checked the user agreement and could not find anything that could make my account limited. I have complied with all the terms and conditions.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit score has been suffering tremendously because these accounts that i have already settled have not been updated. Also, some of them were sold to a collections agency and that leaves my information being prone to identity theft. Now these bureaus have been hitting me hard for that and I am writing this to ask help from you becuase they wouldnt listen to me
Consumer complaint received 2022-04-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (CA)

Our property is in the footprint of the XXXX XXXX and suffered some infrastructure damage. Our insurance company has been issuing claim payment to us and our lender so we need to send the payments to our lender to sign and forward to us. The last 2 checks of {$150000.00} and {$44000.00} have been held by the lender since XX/XX/XXXX. I have been requesting release of our funds. {$130000.00} of these funds is allocated to personal property and cabins/sheds built with cash after the mortgage was taken out and they will not even release those funds. I have requested an inspection to show the rehabing we have been doing on XX/XX/XXXX and still have not heard anything back from them. The lender said if we got an AS IS appraisal they would use that to justify releasing our funds. We completed that and they received it on XX/XX/XXXX. Our loan is for {$360000.00} abd the property appraised for {$850000.00} even in the current state of disrepair. They still have not released my funds and state someone in compliance has to make an approval. They have said this since XX/XX/XXXX. My sister is a lender and recommended I ask for your assistance. We will be receiving additional claims funds from our insurance company and expect this to keep happening.