davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (MI)

I opened an accelerate savings account with Citi Bank on XX/XX/2023 in response to an offer that I received via email. The account is a joint account with my husband and it was opened over the telephone with an account representative, the opening documents were signed electronically by both of us. Upon review of our first statement, I discovered that XXXX was taken out of our account for federal withholding tax, I called citi bank to see why this occured and I was told it was because they didn't have a W9 on file and that I would have to complete this and mail it in, they do not allow this form to be submitted via email or fax. I explained to them that I am not comfortable sending my name, address, and social security number through the mail. I spoke with 6 different individuals regarding this matter on XX/XX/XXXX & XXXX, XXXX. I called last night ( XX/XX/XXXX ) to see if I would be paid the {$150.00} bonus they were offering if I didn't submit the W9 and I was told that I would not receive the bonus without them having a form on file. I reside in Michigan where there aren't any Citi Bank locations for me to drop a form off at, I requested my account to be closed on XX/XX/XXXX and was informed it would be and to expect a check in XXXX days, which is another complaint that I have, I do not understand why the funds can't be electronically sent to the bank that I transferred them from. I understand I will now forego the bonus because I closed the account early, but I'm only closing it because of their W9 requirements. When we opened the account over the phone I assumed all necessary documentation would be signed electronically, I was never informed by the account representative that I would have to submit a W9 through the mail. I believe this is terrible business practice and I shouldn't have to jeopardize my personal information to be able to qualify for a bonus incentive offer.
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, and XXXX XXXX  account # XXXX have 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 an account without my written instructions.
Consumer complaint received 2023-02-02
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. (TX)

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.
This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-12-05
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: General Motors Financial Company, Inc. (MD)

I provided my PII to GM Financial for the purposes of a soft credit pull for prequalification without an impact on my credit score. GM Financial then provided my information to XXXX XXXX  in XXXX MD who performed a hard credit pull without my explicit authorization or knowledge. This negatively impacted my credit score.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

On XXXX XXXX,XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted all three credit agencies concerning XXXX XXXX for years now after disputing that I did not have any late payments. Not knowing much about credit and fraud at that time. Now I study the consumer laws to help myself get back what I was trying to achieve with credit. I sent XXXX XXXX many letters to rescind and opt out because of Identity reason and they did not give me that disclosure in BOLD letters giving me the option to opt out. Also this company created fake accounts around 2016 and now doing illegal transactions once again. Attaching my letters which was sent to the agencies. 

Notice ; I am opting out with the notice of right to rescind. XXXX XXXX never gave me that right, a creditor shall deliver two copies of the notice of the right to rescind and shall identify the transaction or occurrence and clearly and conspicuously disclose the ONE to FIVE above. This is my RIGHTS.

6801. Protection of nonpublic personal information ( a ) Privacy obligation policy 1681b. Permissible purposes of consumer reports ( a ) In general - Subject to subsection ( c ), ( 1 ) ( 2 ) This letter is in good conscience because I did not give anyone permission to report any of my information. They took my information and transferred it to a non-affiliate third party without my permission and created the profile that supposed to represent me the consumer that which I did not approve of. According to these laws, is that not identity theft?
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am formally disputing the recent update to my credit report on XX/XX/year>, regarding the XXXX XXXX XXXX  XXXX account and requesting a re-investigation of all reported details. First, I dispute the balance of {$6100.00}, which exceeds the original credit limit of {$5000.00}. This reporting is inaccurate and misleading, reflecting a 124 % utilization rate, even though the account is marked as charged off. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy, and this discrepancy should be corrected or removed. Additionally, I challenge XXXX XXXX 's status as the creditor. I do not acknowledge this debt and request proof of XXXX XXXX  legal right to report this debt, specifically a valid contractual agreement containing my full signature that establishes my obligation to repay the debt. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which mandates that only accurate and verifiable information can be furnished by a creditor. I also dispute the current payment status, marked as Charge-off with a past due amount of {$6100.00}, since this account was closed. No additional payments should be marked as past due, making this reporting inaccurate under FCRA 15 U.S.C. 1681i. Moreover, the worst payment status is listed as charge-off, but the payment history shows significant inconsistency, violating FCRA 15 U.S.C. 1681c, and should be corrected or removed. Lastly, I dispute the remarks, stating " Charged off account ; Account closed by credit grantor, '' as these are misleading and should be removed in compliance with FCRA 15 U.S.C. 1681s-2. I request a full re-investigation of all account details, including the balance, creditor status, payment status, and remarks. Please provide written confirmation of the results of your investigation, along with a valid contractual agreement containing my full signature if this debt is valid.
Consumer complaint received 2022-11-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc. (KY)

Today, I learned my bank account was levied for {$1600.00} + {$100.00} legal fee charged by my bank, leaving my account- {$1400.00}. My bank provided the name of the collection agency and their phone number for more information. 

I called United Collections Bureau, was transferred several times and waited well over an hour before I spoke with a representative. I learned that there was a state income tax warrant that was issued, which authorized my bank account to be levied. 

This was the first time I had heard about this issue. I asked the representative to verify the address where their communications and noticed were sent to. They gave me the address, and was completely shocked to learn that they sent everything to an address that I haven't lived at in over 15 years, when there were obviously more recent addresses that could've been used to properly notify me of the debt, because up until today I didn't know that there was even an issue with my 2020 Indiana State Tax return. 

This practice has got to stop, and seems like a very deliberate way for United Collections Bureau to place holds on entire bank accounts, and prevent any actions someone could take to rectify the debt or prevent an account levy.
Consumer complaint received 2023-06-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC (CO)

On XX/XX/2023 at XXXXXXXX XXXX I received a bill collectors call from Global Lending looking for XXXX XXXX. This is not the first time I have received phone calls or voicemails from this company for XXXX.I am not XXXX XXXX. Im not responsible for her debt. The number they are calling me from is XXXX. They keep leaving voicemails and Im personally fed up. I asked them several times to put my name on the do not call list. I feel the company is harassing me for someone elses poor credit decisions.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (VA)

I made a purchase from XXXX on XX/XX/XXXX for XXXX of the exact same pairs of sneakers just different colors in the amount of XXXX. The package arrived with empty shoe boxes inside. I contacted the merchant and they said they could not refund me and to contact my bank. I opened a dispute with Wells Fargo. They closed the claim in my favor providing me with full credit of XXXX. Then days later they deduct XXXX of the XXXX from my account saying it was a mistake being the merchant credited my account {$610.00} on XX/XX/XXXX. I explained to several representatives that the refund for {$610.00} was for a separate transaction. They told me I would need to provide proof that the {$610.00} was for a separate transaction. I faxed and emailed their claims department a copy of my receipt for the original transaction showing the price of each pair of shoes was {$640.00} plus tax along with a copy of return information for the separate transaction in the amount of {$610.00} that XXXX was able to provide me. They kept closing my claim saying they never received my documents despite me calling within XXXX days of emailing or faxing the documents to confirm they received them and being told they have them and were working on my claim. They closed the claim yet again as of XX/XX/XXXX which is what I was told today because they say the documents are too blurry to read despite the first rep I spoke with saying they could view them clearly and despite them sending me an email on XXXX/XXXX/XXXX saying they are still working on my claim. But I'm being told since the claims escalation rep says they were blurry they " can't do anything for me '' and they also now are saying it's past the timeframe for them to do anything despite me sending over the documentation they have requested at least 5 times since XX/XX/XXXX. Pretty much no one wants to do their job and could care less because it's not their money. I want my money back as they are taking my money for a refunded transaction that has nothing to do with the disputed transaction and I've provided documentation to prove so since XXXX. I've also included time-stamped emails proving the dates that I previously sent over the documentation requested. And on top of that, no one ever reaches out to contact me. The email says if they are unable to reach me they will base the decision on what they have. They've closed the case several times and no one has ever reached out to me to say they never received the documents, weren't able to open the documents or their new excuse that the documents were blurry.
Consumer complaint received 2022-06-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (OR)

I was granted a bankruptcy discharge, but Navient continues to collect. The student loan was not for tuition or books ( I had federal grants covering those amounts ) and I believe that excuses me from filing the adversary proceedings following discharge. I've gotten nowhere with Navient, the representatives I've spoken to have insisted that student loans are not discharged in bankruptcy. I then ask to be transferred to their legal department and they have said that it doesn't exist.
Consumer complaint received 2022-12-27
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX
Consumer complaint received 2023-12-13
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: Experian Information Solutions Inc. (VA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-25
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: Experian Information Solutions Inc. (NJ)

When I investigated my credit report, I realized that some of the information were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (GA)

In accordance with the fair credit Reporting act Account XXXX XXXX and Account XXXX have violated my rights. 
15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 604 A. Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-16
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ability Recovery Services, LLC (IL)

Hi there, Last year in XXXX I had joined the online college program through XXXX XXXX because I had previously went to XXXX XXXX XXXX XXXX online program. Right when the course started Covid had hit and I was working at XXXX so with covid our company took a big loss. We were all losing hours and i couldn't afford the program so I called and told them the pandemic was causing a shortage in my pay. So i needed to cancel the program this was so early in the start of my program I didn't receive any materials, books or anything for the course. I talked to a few people at the online campus about it to make sure it wouldn't affect my credit or name negatively and we were all under the influence that it wouldn't. A couple months after I received a bill from collections during the pandemic and it was XXXX dollars. For a course that I didn't even get to take .I called the school and they told me I could get it taken off of my credit. This debt is causing me troubles I can not apply for apartments or homes, I can not put my own car in my name I needed a cosigner because of the debt on my credit and it's putting my credit score lower than it needs to be I pay everything on time I have nothing else on my credit negative besides this. This is really starting to affect my life, I have a child and I have things that I need to provide like a home and a reliable car I can't apply for anything with this on my credit I am very frustrated with this situation.