davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
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. (NY)

In accordance with the Fair Credit Reporting Act X has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (SC)

Rate increased from 17.74 % to 22.74 % with no clear explanation of why. They state my XXXX score was XXXX in XXXX. It is suspicious because my XXXX was XXXX and above before and then it increased to XXXX in XXXX & XXXX. My current XXXX  card does not charge late charges and Citicard has been marketing heavily to convert it to their XXXX XXXX card. Today, XX/XX/XXXX, their agent XXXX said he couldn't lower the rate despite being told of the XXXX score. My account is and has been in good standing and this large increase is not only ethical but unjustified.
Consumer complaint received 2022-12-01
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. (NC)

This is my 2nd endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (GA)

on XX/XX/2022, i attempted to place an order with jcpenney online, an ad stated to apply without hard inquiry you can prequalify, without my consent it followed thru with the application to apply by supplying a link which i did not get to in time, i was denied credit without applying fully, my score over XXXX so i don't think i would have been denied, i only wanted to prequalify, get that result and then decide whether to apply for the credit card, i placed the order anyway using another credit card, i would like this hard inquiry removed from all three credit bureaus as i see that a hard inquiry was made by XXXX today
Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST MIDWEST BANCORP, INC. (IL)

I moved my banking from this institution to another institution in XXXX XXXX XXXX  Payments were authorized on the account dating back to XX/XX/XXXX and I was not notified that my account was overdrawn until OVER NINETEEN DAYS LATER. I asked why I was not notified that I was overdrawn and I was told that 3 letters were sent, none of which I have received. I have verified my address and while it is correct, I have not received the letters. I was also not sent push notifications through their mobile app ( Which I have set up ) nor was I sent any text or phone notifications about the account being overdrawn. To date, I have incurred over XXXX dollars in fees that I can not pay and should not have to pay. When I brought it to their attention they REFUSED to do anything about it because " I've had other fees reversed on my account ''. When I explained that those fees were due to fraud on my account that I did not authorize, they still refused to do anything about it. This is an Unfair and Abusive practice and I want it to be investigated and righted because this is absolutely unacceptable.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account and my personal information was used by fraudsters to gain access to my checking accounts. They also had access to my debit cards information including my PIN. It was easy for them to compromise my bank accounts. Twice XXXX XXXX XXXX XXXX has closed my checking accounts, and in three occasions they have cancelled and reissued my debit cards this year alone. As a result of this theft and my account being compromised I couldnt meet my obligations to my creditors on my due dates as the money meant to pay my creditors were withdrawn before my monthly payments were processed. So the funds that were meant to take care of my bills had disappeared from my account. This also led to my accounts being late for the first time with a number of creditors reporting late on my credit I have worked very hard to build. I now have a new checking account from XXXX XXXX and I am just now trying to restore my credibility back up. The Creditors affected are : XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, My line of credit with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, and my utility bills. 
I contacted each creditor to request that they show understanding, due to the theft that happened to my checking account on XX/XX/2023, with proof from my bank XXXX, not to report any late credit reporting on my credit report as I work hard to catch up with my payments. But as it turned out they still went ahead and reported those late payments. As a result of this terrible incident my credit is now at its lowest best and have dented my hopes of doing business that will bring in revenue for my livelihood and that of my family. I am therefore requesting with immediate effect that these lates be removed immediate from my credit report.
Consumer complaint received 2022-06-08
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. (AL)

In accordance with Fair Credit Reporting Act, XXXX, trans union, XXXX have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX acct # XXXX NO CONTRACT XXXX XXXX is using my identity and saying that I owe them this is fraud According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy ; The Right to Financial Privacy Act of 1978 15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

reporting adverse information has affected my livelihood, causing me to be oppressed 1006.6 code of federal regulation states that a debt collector must not communicate, in connection with the collection of any debt, with any person other than consumer 15 U.S. Code 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.

15 U.S. Code 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection 15 U.S. Code 1681b no written instructions of the consumer to whom it relates. 

Credit bureaus not letting me know how my credit information is being used is a direct violation noT the FCRA
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I HAVE SUBMITTED A DISPUTE 3 TIMES ALREADY WITH ALL THREE CREDIT BUREAUS AND ONLY ONE BUREAU REMOVED THIS BANKRUPTCY FROM MY CREDIT FILE. I ASKED FOR PROOF OF HOW THEY VERIFIED THIS INFORMATION AND STILL NOTHING. THESE CREDIT BUREAUS ARE NOT PROPERLY DOING THEIR JOB. I HAVE SENT ALL SUPPORTING DOCS TO THESE BUREAUS.
Consumer complaint received 2024-12-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PENTAGON FEDERAL CREDIT UNION (TN)

This collection agency XXXX XXXX said they are representing penfed. I never received any information that my account went to collection but I got a visit from the deputy sheriff saying I was being summoned to appear in court and I never heard of XXXX XXXX nor did I receive any phone calls or letters prior to that happening. I asked for validation of this account and the other items that I requested for validation and all they sent me was a payment history the 2 times I requested the other information 1099 OID 1096 tax form etc.
Consumer complaint received 2022-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

XX/XX/2022 PHH MORTGAGE Account # XXXX XXXX XXXX  XXXX XXXX I sent my Instrument of payment in the amount of {$120000.00} to PHH MORTGAGE Bank CERTIFIED MAIL. XXXX XXXX XXXX XXXX PA XXXX. TRACKING # XXXX. 

XXXXCertified Mail was delivered XXXX I called to verify that PHH has received my INSTRUMENT OF PAYMENT and spoke with XXXX ( ID XXXX ) and was told my INSTRUMENT was refused, I Stated the following below : UCC3-311 : Accord and Satisfaction ( a ) If a person against whom a claim is asserted li.e. 
Us ] proves that ( i ) that person [ i.e. We ] in good faith tendered an instrument to the claimant i.e. Them ] as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( in ) the claimant lie. They ] obtained payment of the instrument. 

..the claim is discharged if the person against whom the claim is asserted i.e. Us proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of the claim.

UCC3-603 : Tender of Payment ( a ) If a tender of payment of an obligation to pay an-instrument is made to a person entitled to enforce the instrument [ i.e. Them ] and the tender is refused, there is discharge, to the extent of the amount of the tender... 

XXXX I sent a CONDITIONAL AGREEMENT CERTIFIED MAIL, TRACKING # XXXX
Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

Was scammed by a false Citibank. Was charge multiple overdraft fees which I paid.never received any notices. My account was closed but I was able to use it. Never was told anything. I changed my debit card twice due to losing them & each time there was always a problem. I went to multiple banks And they said nothing was wrong with my account but my account was on the verge of closing. Was able to get temporary card for a closed account ordered a new official card for a CLOSED ACCOUNT. My money was wrongfully withdrawn & when I requested information The bankers arent even able to tell me what happen & why. I was scammed & being treated horribly.. below are the false citi accounts i mistakenly put my information into. Ive went to 3 citi banks trying to resolve this issue
Consumer complaint received 2024-10-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

I was trying to transfer money from Capital One to another bank account on XX/XX/year>. I usually do it through a transfer balance on capital ones website. It would not allow on Monday as I had to make deposits to my XXXX  account because I had pulled all my cash from that account to buy a car. I need to replace the money to my checking from my savings to cover my XX/XX/year> bills. Capital one s rep said they were having issues on Monday with everyones account not being able to transfer. They also said there was nothing they could do to assist me getting my money. So they said wait until tomorrow XX/XX/year> the problem should be fixed. Today Monday, I tried it again and it would not work. I called another rep. who could not help me with making a transfer. So I asked for a manager XXXX. She basically told me there was something wrong with my linked accounts and there was nothing the bank could do to help me get my money and Id would have to wait XXXX business day not including weekends to get my money. There is also not a brick and mortar bank where I am so I can not go to a local bank and get my money. I will have bills drafted before the XXXX business and it will create a mess with my amount with no funds when they draft. Please help capital says there is nothing they can do and they will not cover my costs of over drafts on the other account if it happens. I have XXXX in that account that I can not acces. Please help.
Consumer complaint received 2023-03-27
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. (OH)

In accordance with the FAIR CREDIT REPORTING ACT, this account below has violated my Federal Protected Consumer Rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C 1681 section 602A states I have the Right To Privacy.

15 U.S.C. 1681 section 604A Section 2 : IT also states a Consumer Reporting Agency can not furnish an account WITHOUT WRITTEN INSTRUCTIONS.

15 U.S. Code 1681a ( 2 ) ( A ) ( i ) : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S.C. 1681c ( a ) ( 5 ) : states no Consumer Reporting Agency may make any Consumer Report containing any of the following items of information, or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX I've sent off letters the beginning of this month and no change was done past the 15 day reinvestigation.
Consumer complaint received 2022-06-08
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

I am on my XXXX or XXXX lease with Lexus Financial. All previous leases have been paid on time flawlessly. And up until recently, my current lease has been paid on time. 
In the last year with Covid, I went on XXXX and am paid only once a month. 
And recently my husband had an emergency and could not work for 2.5 weeks and does not get paid when he doesn't work. 
So for a few months, I have paid late, but still within the 30 days so not delinquent. 
I called today at XXXX XXXX  and spoke to a representative and then her manager to 1 ) get my due date changed to when I get paid, and 2 ) have my XXXX payment moved to the end of the lease. 
The manager said that I have already had the 3 allotted deferrals for leases and 2 extra due to Covid and that there was nothing they could do. 
After several leases and several years and several on time payments, this is how they treat their customers?! 
Now my lease will be delinquent because I can not pay my XXXX payment until XX/XX/XXXX when my XXXX payment is already past due. 
I will pay my XXXX payment on the XXXX along with the late fee however can not pay XXXX and XXXX! 
I am livid! I don't even drive the car! I want to terminate my lease but they said that not only will I have to pay a early termination fee but also the entire value of the car! 
Sorry I am rambling. I just know that this is no way to treat long time valued customers!
Consumer complaint received 2023-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AZ)

I am XXXX and trying to apply for a Total and Permanent XXXX discharge of my loans. I had my doctor fill out the form, I scanned it and emailed it to Nelnet as per their directions. A month later, they sent me a letter saying that they did not receive a complete TPD application from me. The letter said that they received the second page and were missing the first page. I double checked the attachment on the first email I sent and verified that I had sent the correct and complete document. I thought that maybe their email system did not recognize that there were XXXX pages, so I rescanned the document, and emailed it in response. XXXX month later, they sent me a letter saying that they received the first page but never received the second page. I double checked the second email I sent and verified that the attachment I sent had indeed both pages attached. I decided this time to send the actual document through the mail to Nelnet, as per their directions. Apparently, despite what they instructed consumers, their website is not equipped to handle XXXX page attachments. XXXX month later, ( XX/XX/23 ) I received a letter saying that my doctor did not complete the first question and the whole application needed to be redone. I opened the attachment of the scanned document I had mailed in, and I can see the first question filled out in my doctor 's handwriting. I feel that this is a matter of discrimination. I feel that Nelnet says that they will take care of all customers despite any difference that they XXXX have, but they are deliberately making this situation nearly impossible for XXXX people. I have 60 days to correct this issue or they will throw out my application. I called Nelnet and spent XXXX minutes on hold listening to an automated message before I was given any options. I entered my information 3 times and was told by the computer that there was no account with that information. I have been going through this since the beginning of XXXX. I am determined XXXX by the XXXX, but because my condition was at the time unknown, I must have my account reviewed by XXXX in XXXX years. This is why I have to go through this process for TPD.
Consumer complaint received 2022-06-08
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 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 an 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 reason.