davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
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. (MA)

DEAR ; XXXX XXXX XXXX XXXX XXXX XXXX ; I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CT)

I got a JCPENNY Credit Card. The store employees took merchandise and charged it to my credit card and, then, had its partner in crime ( XXXX Bank ) falsely document that I had this fake debt and sent me to collection-agencies-credit bureaus to damage my credit. 

This was because I refused to be blackmailed and give them money to delete the fake debt. Then, I contacted the newspapers and they deleted the fake debt ; but left the interest and fees on my credit card.
Consumer complaint received 2023-01-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (PA)

On XX/XX/XXXX, I spoke with XXXX XXXX at Sallie Mae Bank. We had set up a payment plan to get back on track with my student loans. She had enrolled me in the Payment Extension Program and we set up 3 qualifying automatic payments. After the 3 payments were made ( XX/XX/XXXX and XX/XX/XXXX ), the past due amount was to be added to my total loan balance. The first 2 payments come out of my bank account but the 3rd and FINAL qualifying payment never came out. I made the payment on XX/XX/XXXX. 

When I spoke with my account manager about letter/emails/calls I kept receiving, he told me they had no record of me ever speaking with XXXX XXXX on XX/XX/XXXX XXXX However, she told me that this would be the case since " they don't always know what's going on. '' I am still currently defaulted and I have tried to resolve this issue and take care of the loan payments to get back on track. However, they are denying that I had ever set this up with their company. It is unfair practice, immoral and downright a lie. 

They record all of their conversations so I know that the call with her can be looked up and if nothing is done about this, I will resolve to filing a lawsuit against Sallie Mae. They need to be held accountable to their policies and their word.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC (CA)

Indigo credit card companies website does not show transactions of purchases and can not navigate through the website only by phone calls and they keep on changing withdrawals from the account and can not use a credit card for 14 to 21 days after making a payment.Logging onto their website try to hit contact or anything on the website shows no pages found
Consumer complaint received 2023-01-31
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 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 U.S.C. 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.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

My identity was stolen and credit cards were compromised. I reported this to BOA and the Delaware XXXX XXXX on or around XX/XX/XXXX. My BOA credit card was apparently linked to the theft 's XXXX XXXX account and he continued to charge on my account until XX/XX/XXXX at which time the actual card i was using was denied for a legitimate charge I was trying to make. I called BOA to find out why and was directed to the fraud dept. They asked me if I tried to make 2 large purchases at XXXX in XXXX  on XX/XX/XXXX. I said no, the fraud dept told me not to worry they had declined the charges, my account was secure and they sent me a new card. After the holiday on XX/XX/XXXX I contacted BOA again and found out the thief has changed my phone number, my email address and opened a checking account on XX/XX/XXXX as well without providing ID. He also made a {$2100.00} cash advance from my BOA credit card into the fraudulent BOA checking account he had opened in my name. He also had made thousands of dollars of charges that BOA failed to mention when I spoke to them on XX/XX/XXXX including {$1000.00} at a XXXX in XXXX  on XXXX XXXX and gas at a XXXX in XXXX, note that I never went to XXXX  and I told BOA that on XX/XX/XXXX. I then reviewed all charges with BOA and disputed to the best of my ability all charges that were not mine on XX/XX/XXXX. For unknown reasons, BOA denied my {$4100.00} dispute on XX/XX/XXXX and then on XX/XX/XXXX BOA charged me an additional {$1400.00} for no reason that anyone at BOA can explain to me. Since then they re-opened my original dispute, but went ahead and reported the full balance of disputed amounts plus the {$1400.00} charge to the credit bureaus which caused my credit scores to drop. I have tried to resolve this by going to the closest BOA branch in XXXX multiple times and I have called BOA and sat on hold with there fraud dept. every other day for 2-3 hours each time since then. To date nothing has been resolved or updated. It has been over 30 days since BOA realized there were fraudulent charges on my account.
Consumer complaint received 2022-09-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

Every month I add an extra payment to the bank. Each month, they apply partial to the principle and partial to interest. I have texted the bank online, every month, to have the payment applied to the principle. 
Sometimes they follow through and sometimes they don't. For one payment, they removed it completely without putting it back in. Most recently, I have been quite insistent that they fix all of the transactions. This does not result in any response. I have called to try to resolve this over the phone but they hang up on me. 

My written requests have been 1. Paper statement to be mailed to me 2. A full record of all installments to principle and interest since the inception of the loan with the balance showing on each installment. 
3. A phone call from an administrator They have not responded to my requests, twice by use of the text.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (NY)

Between XXXX to XX/XX/2022, I was scammed purchasing clothes from an individual who claimed my package was flagged for 'XXXX XXXX ' by the police and coerced me into sending him continued payments. Attached are conversation logs with the individual as well as the fabricated police report sent to coerce me into payment. I contacted Discover Bank with the same evidence presented below and was not only met with no response from their dispute center for about a week ; but when I had contacted them they said they could not do anything about the dispute and subsequently sent letters claiming that they had contacted the seller and received no response, to which they have justified the transactions. I have further attached a log of the dates and transactions that had been posted to my Discover checkings account. I am appalled that with this level of evidence Discover has shut me out and claimed that I am in the wrong in this situation. I have also contacted XXXX, who not only refused to take my case but did the same for another dispute regarding the scam of {$95.00}.
Consumer complaint received 2020-11-23
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. (IL)

I have been trying to resolve my Membership issue with Experian for the past 4 months. I provided them with everything they asked for, i even uploaded a copy of my Drivers License. They mixed up my personal information with someone else 's personal information, because of that i am unable to access my Membership account. The verification questions that i am asked is mixed up with someone else 's personal information. I called them several times, talked to several agents and a couple of supervisors and even to the escalation department to get this issue fixed nothing but apologies & empty promises. They verified that they made a mistake and mixed up my personal information up with someone else, they just keep telling me to wait 24, 48 or 72 hours every time i call them so that they can fix the issue. If there are hungry hyenas on one side and Experian employees on the other i would take my chances with the hungry hyenas. Since i am unable to access my Membership to monitor my score & report on Experian they advised me to try XXXX to get the report, I took their advice, went to XXXX but it too was unable to access Experian 's credit report and score. There is no freeze on my Experian 's credit. The reason i want to keep on top of all three credit bureaus is because i was a victim of XXXX  's data breach. I have no problem with the other two credit bureaus, i am able to login and monitor both my XXXX  & XXXX  's scores and reports.
Consumer complaint received 2023-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (FL)

I am getting duplicate charged from the hospital. The bill and all amounts due were paid at before I was XXXX from the hospital. They told me this before I left. Copays and deductible were paid to the hospital yet they are sending me a second bill for the exact same service that I already paid. I think this is unlawful and I do not owe the amount they are billing.
Consumer complaint received 2021-03-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (NV)

On XX/XX/2021 I was sent an email from Paypal , Inc. Stating that my account had been limited and I was no longer able to use their services or hold an account with them. They made the claim that I was " Selling XXXX oriented Content '' Yet I have not used the account to sell anything in years, and when I did it was never anything of a XXXX nature. Looking at my transaction history shows I haven't sold anything to anyone, I have only recieved money from family, the same two people who have been sending me money for years. Paypal in making this false claim against me has frozen all the money I have to my name for 6 months wrongfully and had made a massive inconvienience on my life. I have attempted to contact Paypal , Inc. And they refused to do anything to resolve the issue or provide me with any further information.
Consumer complaint received 2023-01-31
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. (MS)

XXXX. XXXXXXXX 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 I noticed that these companies was reporting a collection debt on my consumer credit report. IRS Canceled Debts, Foreclosures, Repossessions, and Abandonments clearly states cancel debt is gross income. This company is in clear violation of my rights, under the New Rule Regulation F which took effect XX/XX/XXXX. They have violated the FDCPA XXXX and its new rule by parking this alleged debt on my consumer report. I've asked them numerous times to Cease and Desist this reporting of this alleged debt immediately. I never gave them written permission to put anything on my credit profile 15 USC 1681 b2. There offenses amount to AGRAVATED IDENTITY THEFT pursuant to 18 USC 1208 A.

15 USC 1681 section 602 A- states i have a right to privacy 15 USC 1681 b ( 2 ) - Permissible & written Instructions by the consumer ( me ) did not give the any written instructions to report anything t my consumer report 15 USC Section 604 A section 2- also states a consumer reporting agency can not furnish a account without my written instructions All 6 of these companies are in violation of 18 US code 1028 A- Aggravated Identity Theft XXXX. XXXX XXXX XXXX. XXXX XXXX  These two companies are also in violation of my consumer rights 15 U.S. Code 1681 a 2 ( A ) ( i ) Exclusions- except as provided in paragraph ( 3 ) the term " consumer report '' does not include ( i ) report containing information Soley as to transactions or experiences between the consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX  XXXX making the report. They also reported LATE PAYMENTS on my consumer report which is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I Never gave those furnishers written instructions to furnish this on my credit report! 

THEY HAVE VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i )
Consumer complaint received 2021-12-07
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. (AZ)

I was checking my credit report! Im very disappointed that you put all these negative information on my name! I have no idea where did you get it, I have never apply for any of these accounts. Im pretty sure that someone hacked my personal information.
Consumer complaint received 2023-04-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/2022 I set up home insurance through XXXX XXXXXXXX XXXX XXXX. I was told over the course of several weeks that the policy was received, and it was processing, They didn't have it or I needed it sent again. My current insurance was set to expire by XX/XX/2022. This continued until XX/XX/2022 when I went to a bank branch on XXXX XXXX in XXXX VA and spoke to XXXX XXXX. I explained the problem to him and even sent an email of my insurance to him from the Agent at XXXX XXXX. He said he use to be a real estate agent and he was familiar with insurance. He called the insurance department with myself and my husband in his office. They were upset that he got involved saying he had no right to interfere. He said he was just trying to resolve the issue and they claimed I had already called them 10 times and I didn't submit the correct documents, said it was only the application and this time he told them he was looking at it and he had also forwarded it to them and the page they needed was there. They hung up on him and he had to call back several times. He said he contacted a friend and said they approved it and they had lots of problems with the insurance side. HE informed me of a payment being sent XXXX to my insurance dept. I confirmed that by the bank website. They failed to tell me that they delayed and told XXXXXXXX XXXX not to ship until the XXXX XXXX and do not delivery on Saturday. hold at location waiting to be picked up on Monday, delaying my payment and voiding my insurance by not paying in the 30 day required by their company. On XXXX XXXX I learned that the owners of XXXX XXXX XXXX XXXX  also run Truist Insurance dept. Working as a contractor under Truist Bank. They set me up for failure and refused to explain any questions I had. I spent countless hours and weeks consumed in their rabbit hole of confusion. XXXX aka XXXX XXXX were also the XXXX. Not only did they write the XXXX but XXXX other applications were made for me. With out my knowledge or signing any other electronic signature except the first one. This was done under the knowledge of truest Banks done by their subcontractors while working for and under the supervision of Truist. Even sending letters concerning insurance with the truist logo attached.
Consumer complaint received 2022-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (TX)

This bank is infuriating because I simply can not get a human being to speak to me about my account. When logged in to the checking account, they suggest sending a secure message -- but there is no place in the user interface to send a secure message. I have scoured and searched every page, and it doesn't exist. They also apparently have a chat feature, but I've checked every single day for XXXX weeks and the chat feature is never available. 

They also link to a XXXX help account that has been defunct for literally years now. I eventually found the official, working XXXX. They don't answer tweets. 

I am also checking these functionalities in the Regions app. Nothing is ever made available. 

I also call customer service at this number : XXXX. I can never convince the system to let me speak to an agent after inputting my social security number and PIN. The system tells me that my checking account is already closed, and it is NOT, it is still open in the website interface and also in the app. I am being charged {$8.00} a month on the checking account. 

I want this unbearably disorganized bank to close every single account attached to my name and mailing address immediately. The customer service is completely non-existent. GET IT TOGETHER, REGIONS BANK.
Consumer complaint received 2023-01-31
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: EQUIFAX, INC. (MD)

XX/XX/XXXX AND XX/XX/2022, I SENT CERTIFIED MAIL TO EQUIFAX. THEY HAVE YET TO RESPOND TO THAT NOTICE AND HAVE DISREGARDED MY INSTRUCTIONS. THEIR DISREGARD FOR COMPLIANCE IS COSTING ME TIME AND MONEY.
Consumer complaint received 2023-01-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Debt collector repeatedly calls from various numbers ( always appears as Portfolio Recovery in caller ID ) at all hours for a debt that is not owed. They have started calling my business and it has crossed the line into harassment. I don't have any past due accounts within the last 7 years.
Consumer complaint received 2023-01-31
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. (WI)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2020-11-23
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 am writing this due to non-compliance with the CRA ( Experian ). 

They have failed to remove information and have failed to perform a proper investigation. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 


1. Negative monthly activity reporting after the account was charged off in XX/XX/XXXX is a violation 2. It reports the Charge Off was in XX/XX/XXXX which means " Account Closed but also shows a closing date in XX/XX/XXXX. An account can not have 2 closing dates. 
3. It also states this account was sold to another Lender but never reported who the the new lender is in my credit file. That is a violation. 
4. Experian claims to have certified this on XX/XX/XXXX as being accurate but they have XX/XX/XXXX listed in the " Status Updated '' area which further confirms they DID NOT perform an actual investigation on this account 5. I have repeatedly requested the Method of Verification used and to date no information has been sent to me via mail or email. 

All of these errors are being done and they have refused to remove the account as requested due to inaccurate reporting.