davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
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. (CA)

I have recently filed multiple investigation request letters with the credit bureaus, but unfortunately, they failed to provide me with the requested information. This is a clear violation of the Fair Credit Reporting Act ( FCRA ). Should further evidence be needed, I am able to provide copies of the aforementioned documents upon request. Additionally, I have included a photocopy of my identification and recent utility bill within the investigation request letters as supporting documentation.
Consumer complaint received 2020-12-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. XXXXeporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-04-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (NJ)

I did not know there was any collection being taken against me until years after the debt when it appeared on my credit report. I do not owe the medical debt they are claiming, as I had health insurance at the time and my visit was covered. I never authorized any additional charges outside the scope of my health insurance. I have contacted company several times and a bill or explanation was never provided to me. I have also received letters from attorneys in regards to a class action lawsuit against this collection agency and original debtor that they have been found guilty for scamming numerous other individuals.
Consumer complaint received 2020-04-01
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (MD)

RE : XXXX This request is in response to your tradeline listed on my personal consumer file related to potential negative debt ; referenced above. I am aware that your company has the ability/legal rights to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. Unfortunately, the negative item is factually accurate, reporting the negative mark was well within your right, even if it damages my credit standing. As granted by the fair debt collection practices act, I fulfilled my right to dispute this debt. Today, with the account being closed ; I see no other reason for your tradeline to remain on my file accept to maltreat. Not every merchant reports your credit activity the same way. Some lenders report to all three agencies ; some to just one. And because theres no legal obligation for merchants to report credit information, some never report your activity to any of them. Its completely voluntary. In addition, not every vendor do business on credit. For example, doctors dont typically report your payment activity to credit reporting agenciesunless they send your bill to a collection agency, at which point it will likely show up on your credit reports as an outstanding debt. There are laws, however, governing how your activity is reported. In 1970, the Fair Credit Reporting Act created a legal framework for credit reporting agencies and outlined the rights of consumers as wellincluding your right to a free copy of each of your three credit reports annually. Because credit reports can contain a lot of information, credit scores were developed to sum up the credit behavior reflected in credit reports with a convenient score. Above all, improving my overall credit worthiness is why I request a complete removal of your tradeline. In conclusion, thanks in advance for considering my request.
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (FL)

Due to the Corvid19 I had contact Suntrust Bank to request to have my payments deferred, they allowed 60 days with no payments but the balance will accrued interest, I find that ridiculous with the issue that we are facing in our nation that they will keep charging interest, this will make my balance higher for something that's not the consumers fault, they will waive late fees but not interest.
Consumer complaint received 2020-12-17
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: GOLDMAN SACHS BANK USA (TN)

On XX/XX/2020, four fraudulent charges were made against my Apple Card by Goldman Sachs : {$540.00}, {$420.00}, {$620.00}, and {$1700.00}. I immediately disputed the charges in my XXXX  XXXX. On XX/XX/2020, Apple/Goldman issued four provisional balance adjustments in the disputed amounts. On XX/XX/2020, one of the vendors issues a refund in the amount of {$1700.00}. 

On XX/XX/2020, I noticed that all provisional balance adjustments had been reversed. 

Here is a description of the events in question : XX/XX/2020 XXXX ( XXXX ) XXXX XX/XX/2020 Provisional Credit Applied XX/XX/2020 Provisional Credit Reversed XX/XX/2020 Dispute Resolved in my favor XX/XX/2020 XXXX  XXXX ( XXXX ) XXXX XX/XX/2020 Provisional Credit Applied XX/XX/2020 Provisional Credit Reversed XX/XX/2020 Dispute Resolved in my favor XX/XX/2020 XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2020 Provisional Credit Applied XX/XX/2020 Provisional Credit Reversed XXXX Dispute Resolved in my favor Based on what I witnessed I contacted Apple/Goldman on the following dates/times : XX/XX/2020 XXXX XXXX Text XX/XX/2020 XXXX XXXX Phone XXXX 52 Minutes Spoke to XXXX and XXXX XX/XX/2020 XXXX XXXX. Text XX/XX/2020 XXXX XXXX Text XX/XX/2020 XXXX XXXX Phone XXXX 14 Minutes XX/XX/2020 XXXX XXXX Text XX/XX/2020 XXXX XXXX Text XX/XX/2020 XXXX XXXX. Text XX/XX/2020 XXXX XXXX Phone XXXX 15 Minutes XX/XX/2020 XXXX XXXX. Text XX/XX/2020 XXXX XXXX Phone XXXX 42 Minutes Spoke to XXXX, Fraud Specialist XX/XX/2020 XXXX XXXX Text XX/XX/2020 XXXX XXXX  Phone Call from XXXX 15 Minutes, Spoke to XXXX XX/XX/2020 XXXX XXXX Talked to XXXX XX/XX/2020 XXXX XXXX  Talked to XXXX then Transferred to XXXX XX/XX/2020 XXXX XXXX Talked to XXXX, XXXX, XXXX As of now, they have admitted multiple times that a mistake was made and cant explain why my account has not been duly credited. What is really shocking is that Apple and Goldman are not able to connect me to a manager with the authority to fix my problem and it is clear that their " escalations '' go nowhere.
Consumer complaint received 2020-12-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

Dear Portfolio Recovery Associate, I am writing to dispute the following information that appears on my [ XX/XX/XXXXor XX/XX/XXXXor XX/XX/XXXX] consumer report : Dispute-1 : Account Number or other information to identify account : XXXX, Source of dispute information : Fico 3b Report Type of disputed information : Fraudulent Account, Identity Theft Dates associated with item being disputed : XX/XX/2019, Explanation of item being disputed : o I am the victim of identity theft and I do not recognize one or more of the accounts on my report. I have notified Portfolio Recovery Associates on three separate occasions. As well as providing them with a police report and they have refused to remove the item. They continue to report false, balances, Dates, and other information to retaliate for my disputes. 
o This is the second time I have dealt with Portfolio Recovery Associates. The had an item under my name that was not mine. The owner of the company wrote them a letter explaining I do not owe a debt. They would not remove the debt, even crank calling me saying they were going to Kill my mother. In retaliation for filing complaints against them. They called me 15 times in one day. It was only when I started the process to sue them in civil court. That they stopped but falsely reporting the debt. Now they are trying to do it.

Resolution : Remove Debt From all three Credit Reports. If this dept is not remove I am going to sue for the harassment, Stress and financial damages directly cause by the action of Portfolio Recovery and its associates. I will seek punitive damages for each year this item was reported. Along with the loss of income with increases due to this false report. 


Thank you for your assistance.
Consumer complaint received 2020-12-13
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. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (ID)

Opened a new Citi bank checking account. Everything seemed to be ok. Received a welcome letter and got online access. 
Transferred funds from another US located credit union. 
Two days after opening an account, it got locked by the fraud department. 
The bank refuses to resolve over the phone. Citi bank sends a paper mail asking for some information, not telling what is in the letter. 
It is a holiday season, and I am out of town. As the result I am locked out of my funds for the next two weeks of the holiday season. 

Nothing was done on my side to trigger the lock. 

Citi bank refuses to provide any compensation for such inconvenience.
Consumer complaint received 2022-08-29
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act 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.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bridgecrest Acceptance Corporation (FL)

Purchased 2 vehicles over time from same company. XX/XX/XXXX was the first, monthly payments made until XX/XX/XXXX when I traded to another vehicle with same company. Continued with new loan thru XXXX with same financial company ( XXXX ). When I was at my bank for loan they told me I had no history of any loans in the past. I called car dealership and they referred me to their financial company who handles their loans. I contacted them and I get the run around and no answers.
Consumer complaint received 2020-02-28
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. (CO)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the DPTED/XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see attached credit report as well as the attached spreadsheet showing account numbers. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5.  These accounts should be coded as an I1. I have contacted Experian ; XXXX  and XXXX  and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-08-15
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (AR)

This card charges customers an ATM fee but they don't have their own ATM for us to use. When I go to my local bank ( or any local ATM ) I'm charged a {$3.00} fee and when I use this card to add money to my XXXXXXXX XXXX I'm also charged a {$3.00} fee. I could understand the fee IF they provided customers with a Netspend specific ATM, but they don't. I don't feel the fees are fair and, they add up over time. YTD 2024 I've been charged {$53.00} in fees. The card is issued by XXXX, XXXX XXXX
Consumer complaint received 2020-12-13
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)

On XX/XX/2020, I was " Turned Down '' for a new motorcycle loan from my bank all because of a recent " negative credit '' entry that is NOT mine onto my " Equifax '' credit report. 
I am the " Victim of Identity Theft. '' I contacted " Equifax '' and wanted " Equifax '' to send me my " FREE '' credit report from " Equifax '' and " Equifax '' told me that I would have to " BUY '' a copy for $ XXXX!!!
Consumer complaint received 2020-04-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Windham Professionals, Inc. (MA)

I am still having difficulty dealing with and securing information from Windham Professionals located at XXXX XXXX XXXX, XXXX, MA XXXX regarding a XXXX  credit card charge off. I have called Windham on several occasions to request information I am entitled to under both federal and state law with no success. This is my second complaint because the last answer received from Windham did not address my main concern in my first complaint : VERIFY THE DEBT AND PROVIDE AN ACCURATE BREAKDOWN OF THE AMOUNT THEY ARE SEEKING! They simply stated that hey have provided verifications they received from the debtor. I have received the following in the mail from Windham in my plethora of attempts to understand the amount they are seeking : 1. A billing statement from XX/XX/2019 2. A billing statement from XXXX of 2019 3. A billing statement from XX/XX/2019 These three random statements do not provide a breakdown of fees, interest, and principal balance ( or any other fees ). Windham has also NOT provided the credit card agreement, any documents that bear my signature, and other assistance I have requested. There is no way possible for me, the consumer, to breakdown the figure of {$3200.00} to determine the validity of the amount. 

I am requesting, once again, a complete and accurate breakdown of this amount. It is clearly apparent that Windham and their associates do not have this information in their possession. I am the individual consumer and I am at a huge disadvantage to solve this problem. 

I will be contacting U.S. Senator XXXX 's office in the morning to seek her assistance on this matter. Windham 's last response was farce. This glib response was not only tolerated by the CPFB, but the compliant was closed out? Unacceptable and shameful.
Consumer complaint received 2020-02-15
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: M&T BANK CORPORATION (TX)

I am the executor/personal representative of my aunts estate and she passed away, on XX/XX/XXXX, with an outstanding balance of roughly XXXX points ( equivalent of {$880.00} ) on her M & T Bank credit card. I reached out to M & T Bank customer service to get information on the process to close the checking account and to get a check issued for the points balance on the card. I was instructed to deal directly with a branch representative ( no mention that there was an estate services division available to help with such issues ). I sent an affidavit on XX/XX/XXXX directly to the branch with attention to a specific representative, including instructions/inquiries on how to monetize the points on the account. I then followed up with at least 6 phone calls over the next few months dealing with the same Branch representative, but never got a resolution. When I finally gave up with dealing with the representative, I reached out to the credit card customer service. I had to specifically ask if there was an estate services area in order to get them to take any action. Once I inquired with the estate service directly on XX/XX/XXXX, they rejected my request to receive a check, given I was outside the 45 day time frame that was required to make such requests. On a separate note, it took XXXX  XXXX XXXX less than 2 weeks to issue a check on credit card points in the estates name after I started the process with that bank.
Consumer complaint received 2020-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NM)

I am still in school, enrolled XXXX/XXXX XXXX. FedLoan Servicing has issued a bill due in just a few weeks, claiming that I am required to begin repayment. 

The website 's " frequently asked questions '' indicates that individuals in this situation should not " worry, '' but should simply request a forbearance, claiming a reason of financial hardship. This a suggestion to commit fraud, as I am not experiencing financial hardship -- I am still in school at least half time, and I am therefor not required to begin loan repayment. 

I have attempted to contact the company three times via their online support request in the last two weeks. I have received email confirmation of all three requests, but have not received a single response.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

I have a collection account listed on my report that the company that was initially reporting has removed from one bureau but the other two bureaus refuse to remove the incorrect reporting. I have continually asked for verification of the debt but it has repeatedly not been furnished. The name of the company is XXXX XXXX. 

The two bureaus that I am submitting a complaint about are XXXX  and Equifax.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a collection account listed on my report that the company that was initially reporting has removed from one bureau but the other two bureaus refuse to remove the incorrect reporting. I have continually asked for verification of the debt but it has repeatedly not been furnished. The name of the company is XXXX XXXX. 

The two bureaus that I am submitting a complaint about are Transunion and XXXX.
Consumer complaint received 2019-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Ive been a member of this credit card for over 15 years. I was assigned abroad in a third world country for over and year and just came back to see my card has been cancelled by the credit grantor for no reason. I have never had any late payments and always paid the the full card off every month until I was not able to use it for that year abroad. Now I am stuck without my main credit card. I am being treated unfairly and do not wish to have another one opened as their customer service suggested but have my original one reinstated.