davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

on XX/XX/2022 I spent XXXX on the phone trying to redeem rewards on my credit cards and the system would not function. I wanted to make a payment toward my credit card but the system would not disclose how many points I had in XXXX amounts and when I spoke to bank employees or credit card employees they said there was nothing they could do to fix the issue. 
I asked for a mailing of the rewards program but they said it was online. 

I wanted to use the visa rewards to make a payment toward the XXXX XXXX card but that feature was not showing. 
NO one at the bank knew how to fix the issue. 

Nothing on the website seems to function. It feels like a targeted issue toward me versus a system wide issue. 
XXXX of my banking documents are missing. Those that are shown expired are not located in the expired file either. Massive disorganization of files. 
The website has script issues.
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2020-05-16
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. (FL)

My complaint is about XXXX XXXX XXXX card service, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize an inquiry on my Equifax file by XXXX XXXX XXXX XXXX  on XX/XX/2019. Please remove immediately. XXXX  - Card Service Inquiry from XX/XX/2019 XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2022-10-21
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. (IL)

The XXXX XXXX account is not mine, my ex husband and his mistress forged this account in XXXX when I found out about the account I contacted the police and XXXX XXXX XXXX XXXX and have been battling for over 3 years to get this account off me. I hired XXXX XXXX to help me and they submitted a challenge to XXXX XXXX, Experian and XXXX to request the contract because they will not provide to me. I have a Identity Theft case opened with the FTC reference # XXXX. I have been hitting a brick wall with trying to get this fraudulent account off me. I am asking that the credit bureaus request the actual contract. I have asked XXXX XXXX and they sent me a payment history? XXXX has removed the fraudulent account and I am asking Experian and XXXX XXXX to request the contract and investigate accordingly. I have opened several disputes with Experian and XXXX XXXX and they are not investigating, they are only going off the word of XXXX XXXX XXXX XXXX and coming back saying the account has been verified and updated. What information are you receiving to update? I would like to see the contract and my signature?
Consumer complaint received 2022-05-01
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: Synovus Bank (NJ)

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 604 ASection 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-29
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. (TX)

In accordance with the Fair Credit Reporting act 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 can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I've also noticed errors in payment history along all 3 credit bureaus.
Consumer complaint received 2022-04-29
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. (IL)

in accordance with the fair credit reporting act XXXX XXXX XXXX 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 COSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (FL)

I paid this collection to Convergent Outsourcing on XXXX, 2022. They sold this account after payment to XXXX. I've already mailed payment proof and receipt of payment received from Convergent Outsourcing to XXXX  XXXX, and XXXX. This may represent fraud against me. The collection account still appears in my credit score. I'm in the process of closing on a mortgage loan.
Consumer complaint received 2020-05-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MD)

In the beginning of the year I applied for a mortgage refinance through my bank ( Navy Federal Credit Union ). I went through the process smoothly until the appraisal. The appraisal came back not in my favor as the amount was lower than the original appraisal when I purchased the house in XX/XX/2019, and I already have done work on the house to improve including flooring and changing major appliances. I asked for a reappraisal and presented documents of my original appraisal plus all the paperwork of house improvements. The reappraisal was denied ( which is their right I understand ) so I respectfully asked for the application to be withdrawn as I will not continue. First the locked my interest rate when I specifically asked for it to not be locked twice especially during this pandemic since I understand the interest will be lower and in my favor according the federal reserve multiple statements. I have it over the phone recording through them and twice through emails and it wasn't unlocked. After the appraisal situation, I asked for the application to be withdrawn, only to get this letter in the mail station " credit denial '' and when I emailed the mortgage processor, attached was her response as well.
Consumer complaint received 2020-05-15
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. (MA)

I rented a car from XXXX XXXX XXXX  XXXX in XXXX XXXX on XX/XX/XXXX. I paid the invoice by credit card upon returning the car on XX/XX/XXXX. In XXXX, XXXX a collections/non-payment report was put on my credit report at TransUnion by XXXX XXXX XXXX XXXX XXXX. I provided a copy of my invoice and credit card statement to TransUnion and to XXXX XXXX XXXX XXXX XXXX. They have never provided me with anything in writing, will not answer my calls, and will not return my calls. XXXX XXXX keeps verifying that the charges are accurate to TransUnion, where I am disputing the charges. 

I have only rented from XXXX that one time. These are the only charges that I have incurred from XXXX.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, your credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information Please Remove all the following accounts removed XXXX  XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2020-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my second complaint is about my XXXX XXXX XXXX Credit Card. I applied to XXXX XXXX  on XX/XX/XXXX. I was approved for the card and i have been using my card ever since, I just order my credit report on XX/XX/XXXX and i notice additional 3 unauthorized inquiries on my XXXX  and 3 unauthorized inquiries on XXXX  credit reports. Please see below. I authorized only one inquiry for the XXXX XXXX XXXX on XX/XX/XXXX and i was approved on that day an told my card was being sent to me. The additional inquires below were not authorized by me. XXXX  Inquiry details XXXX - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2019-10-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (NJ)

Hello, I have a MoneyLion Plus membership. I am charged {$9.00} to hold this plus membership which is fine. 

When I first opened the account and took out a {$500.00} loan it was a mandatory committment to invest in an investment account. After a few months moneylion changed their rules and an investment account was NO LONGER a requirement to have a PLUS account. 

I have {$150.00} in this investment account that I would like to take out and have deposited back to my XXXX XXXX XXXX Savings Account. 

Calls to Moneylion are fruitless because the person on the phone always says its a requirement to have this investment account because I have a PLUS loan BUT this is no longer a requirement for this account and essentially my money is being held hostage. 

I just want my {$150.00} set free and sent back to my XXXX XXXX XXXX account ending in XXXX
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX In accordance with the Fair Act Credit Reporting act .The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  Account # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX  Account # XXXX Account name : Dpt EdXXXX Account XXXX XXXX Account name : Dpt EdXXXX Account # XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt Ed XXXX Account # XXXX, XXXX my information dates from being shared is XX/XX/year> until current date today
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

XX/XX/2022 tried to access my account online. Stated I had tried to access it to many times- then another error message displayed that said it wasnt registered. Clicked link for reset- only option was reset login info & not password. 
Reset page asked for full social Security number and full account number and full name and DOB.

On a previous request at branch to fix similar prior issue due to website stating I had not registered my account. The passcode they gave did not function.

Someone keeps unregistering my account.

There also appears to be no security for online resets. No two step authentication methods.
Consumer complaint received 2022-05-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

All the collections accounts are on my credit I dont have any idea how that happens. I dont even received formal notice that I have to pay for something that I dont have any idea about. In accordance with the fair credit reporting act convergent Accounts Has violated my rights. 

15 USC1681 section 602 states I have rights to privacy.

15 USC1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my writing instructions.

15 USC 1666B : A creditor may not treat a payment on a credit plan as late for any purpose.
Consumer complaint received 2020-05-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (PA)

XX/XX/2020 - I closed 2 " No-Penalty CD '' accounts with Ally Bank. The value of each CD was approximately {$500000.00} ( {$1.00} XXXX total ). 

XX/XX/2020 - I received the funds for one account only. I logged onto the Ally Bank app and saw that the funds from the second CD ( {$500000.00} ) were transferred to an unknown bank account, which was not mine. 

I called Ally Bank and I was told that since the funds were transferred to a checking account that did not belong to me, the ACH system would likely detect this and possibly reject the transfer. I was told there was nothing Ally Bank could do and that I should call my bank. I called my bank and they said it is on Ally Bank to fix the error. 

I called Ally bank again and was told the service rep who initiated the transfer mistakenly entered a confirmation number as the bank account number and that I would receive the funds by the end of the week. Today is Friday XX/XX/2020 and I still do not know where my funds are.
Consumer complaint received 2022-10-11
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. (SC)

This agency XXXX XXXX has been inaccurately reporting different balances to the credit bureaus as well as reporting themselves as an XXXX XXXXXXXX. This misleading information is showing I owe way more than what was agreed on the account. THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F WHICH STATES 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. 

all three bureau have failed in validating this information which is a violation. Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2020-05-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (VA)

To Whom It May Concern, Thank you for taking the time to review this letter. I am requesting the removal of the disputed 90-day late mark on my credit report from Fed Loans Servicing Agency. I have previously disputed the aforementioned information on the basis of negligence during my account transfer from XXXX XXXX XXXX XXXX to Fed Loans Servicing. As a result of the unfortunate circumstance, the matter was investigated and my account was placed in forbearance during the period the negative mark was reported. 

Subsequent to the investigation and the acknowledgment of negligence, Fed Loans approved an administrative forbearance on my account for the months of XXXX through XXXX of 2019 and issued a letter on XX/XX/2019 notifying me the credit information would be corrected and submitted to the consumer reporting agencies. The letter also stated it would take approximately 60 days for updates to reflect on my credit report. However, months has passed since XXXX of 2019 and the disputed 90 day late status is still visible on my credit report for XXXX of 2019. I am respectfully requesting the complete removal of this negative mark on my credit report as I do not want this error to jeopardize my credit worthiness to potential creditors. 

Please consider this letter as a formal request to remove the Fed Loans 90 date late negative mark as soon as possible as I do not understand why a 90 day late status remains when my account was in forbearance. Enclosed is a copy of the aforementioned approved forbearance agreement and the credit correction submission.
Consumer complaint received 2020-05-15
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. (PA)

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 2022-05-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NY)

I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with LVNV Funding LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2022 I have not received any documentary evidence such as a trilateral contract giving LVNV Funding LLC any right to collect on this alleged debt. I have never received any documentation requesting validation from LVNV Funding LLC. If LVNV Funding LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until LVNV Funding LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding LLC continues its collection efforts, I will file for litigation for actual damages caused and credit collection services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.