davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

I am submitting this complaint regarding late payments on my credit report. Upon reviewing my records, I discovered these late payment entries. I sent correspondence about this issue more than 30 days ago but have not received a response or adequate validation. I am seeking your help to address and resolve this matter efficiently.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 Balance : {$140.00}
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 Balance : {$0.00} XXXX XXXX  XXXX Balance : {$140.00}
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NM)

I was in the process of changing banks for my direct deposit from my employer so I received a paper check from my employer I received my check on XX/XX/year> I initiated a mobile check deposit of {$1200.00} through Citibank. I did not currently at the time receive my direct deposits into XXXX of my accounts but I had been getting them deposited in a different Citibank account in the past. ( I had an access account, savings account, and a regular checking account, this mobile deposit went into my regular checking account which XXXX have had a small over draft of approx {$7.00} but I cant access the account so I am just not sure of the total. 
After depositing the check they almost immediately froze my account. I called them and they said it was in review and could take up to a week to finish. I called back a few times over the course of that week and they finally told me that the account will be closed in XXXX days and I will be receiving a check for the remainder of my funds. The account was officialy closed after about 30 days. On XX/XX/year>. I waited a couple weeks before checking on my check I should be receiving for approx {$1200.00} and some change. I called them on XX/XX/year> I believe and they said that I will not be receiving a check for the remaining funds because the check was considered fraudulent and I needed to have someone from my employer call and verify the check. Mind you the money had cleared and been sitting in my account since XX/XX/XXXX I think. But I called the lady in charge of payroll and she had the controller? Call Citibank to verify. Afterwords she let me know that all was good and to keep her posted. I called Citibank on XX/XX/XXXX I believe to ask about the status and they said the same thing. That it needed to be verified. They said they had received a call but they couldnt verify the phone number. So I let the payroll department know and then they tried again. Same issue.I work for a company under the umbrella of the XXXX of XXXX in XXXX XXXX. The company that issues my paycheck does not have any phone number associated with it in the whole of the company. I called back again on XX/XX/XXXX and told them about the problem. Citibank said that is the only way to verify the check. There is nothing else they can do. I asked for a supervisor and was told the same thing. I know there has to be another way to verify this paycheck. 
This whole ordeal has been a huge financial strain and a nightmare and no one will give me any information on what to do next. Please help me. I have included a photo of my screen stating that the check had cleared and the funds were in my account a couple of weeks after depositing. I also included a digital copy of my paystub and the check that was attached.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

XXXX / XXXX reporting is inaccurate : My history the company XXXX  CLEARLY STATES THAT A LATE PAYMENT OF TRANSACTIONS OR EXPERIENCES BETWEEN the consumer and the person making the report is not included in the consumer report! 

They have violated the Fcra 15usc 168ia 2ai by reporting this transaction or experience on my Consumer Reports they have 10 calendar days to update my payment history or delete all late payments below accounts Failure to respond with deletion of the above consumer reports will result in legal actions being taken against companies for which I will also be seeking {$1000.00} per violation for! .Defamation of character 2. Negligent Non - Compliance 3. Civil Liability 4. XXXX XXXX 5. Fair Credit Reporting Act 15USC 1681 VIOLATIONS WILLFUL NON -COMPLIANCE -616 CIVIL liability FOR WILLFUL COMPLIANCE ( 15 U.S.C 1681 in
Consumer complaint received 2024-10-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC (TN)

On XX/XX/XXXX i have attempted to catch up on XXXX late payments for both XXXX and XXXX. Planet Home Lending refused to take payment without answering a series of personal questions. Under duress and in direct violations of my rights vague answers were provided about " why I was late and when I would pay XXXX payment '' Planet Home Lending is making it next to impossible to catch up and I believe violating consumer rights not allowing them to pay online or without answering probing and invasive questions. I have an audio recording of the incident I would be happy to provide to the CFPB
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: 1st Franklin Financial Corporation (AL)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2024-09-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (SC)

The vehicle was paid in full on XX/XX/scrub>XXXX  and Santander Consumer refuses to refund me my gap and service contracts. They have been paid in full and I am not told I have to wait until the dealership gets paid there portion before they will refund my over payment. Ripping me off out of XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 and list of Inquiries 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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (TX)

I received a statement that my payment history was inconsistent with the credit bureaus. My lease with GM Financial was paid in full and satisfied on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from GM stating that I had been charged {$420.00} for an unknown amount. After contacting GM, one of their representatives stated, " The payment is for some type of state taxes. "? The representative went on to say the credit bureau information was erroneous. I informed the representative that my spouse was exempt from taxes related to XXXX vet status. I want to add that I was leasing another vehicle from XXXX and remain in good standing. Fast forward to XX/XX/XXXX, the credit bureau entered XXXX plus late payments and a missed payment to my account related to the leased vehicle, which was paid in full and satisfied on XX/XX/XXXX. On XX/XX/XXXX, I leased another car from GM Financial. This is very concerning and unfair to me as a consumer. These occurrences have had a substantial impact on my family 's well-being. I have requested that my payment history be printed out.
Consumer complaint received 2024-09-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CO)

Ive tried on numerous occasions to lower my payment when needed. Told them my income and other bills ( mainly rent ) but they refused to work with me. The payment amount currently set up is 90 % interest and they would encourage me to do the interest only payment which would lower my payment but just barely. Then I would just be stuck paying interest for a period of time and not actually paying my loan. This has been going on for years.
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had applied for a capital one credit card in XX/XX/year> and They ran my credit and I was approved with a XXXX XXXX dollar credit limit. Upon using this credit card I never went over my balanced and I always paid my on my card never being late always on time, and in XXXX the last payment that made, I had paid the entire balance, and without any notice of why they just closed my account, and when I asked why, their answer to me, was they have the right. I did not understand this at all, because than they told me I was approved for a secured credit card, but that made no sense to me what so ever especially when I already had been approved for a credit card with a XXXX XXXX dollar limit.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

I filed a dispute ( Dispute ID XXXX ) with USSA on XX/XX/XXXX of this year due to a fraud that took place while on a vacation in XXXX. After returning home to XXXX, I noticed that some unauthorized transactions took place on my account ( See Police Report ). Seeing this, I attempted to make a police report to XXXX XXXX ( XXXX ) but was told on several different occasions that I would need to be in the city to make the report. Hearing this, I then called USAA to make the dispute at the time the banking specialist did not mention the need of a report, but I did mention the difficulty I had in making one. I informed her that I believe the individual to have made these transactions to be my step-brother, while I was not 100 % sure I was told by his significant other that he made several " high end '' purchases that he usually does not make. I explained this to the banker and after filing the dispute a credit was given to me from USAA ; from XXXX to XXXX I had not been given any updates up until I was told the claims would be reveresed from my account. Upon getting that information, I reached out to see why they were reversed. I was never given a clear answer, and when requesting information that was used to resolve my claim they sent over information relating to a prior irrelevant dispute along with documentation sent to me confirming the provisional credit being sent to me. Since than, I have spoke with advocates who submitted a police report on my behalf and stated that a re-review would be started due to this new information. A dispute team member attempted to contact me ( XXXX ) during my working hours on XX/XX/XXXX at XXXX EST, when I called back a team member stated he entered a note stating to call past XXXX instead. Despite this, XXXX then attempted to call me again on XX/XX/XXXX at XXXX. 

I havent gotten anywhere with my dispute and Im being held responsible for transactions I did not agree to nor authorize I spoke with an advocate again today ( XX/XX/XXXX ) and after providing him general information about the backgroud of my dispute he explained that since I had my debit card pin number on a sticky note within my wallet, I was to be held responsible. However, I informed him this was untrue as in a prior dispute in XXXX, FL was a similar situation until my police report was provided which indicated I have a memory impairment which in turn forces me to have essential information within my wallet such as my Pin to my debit cards, my phone passcode, my employer ID, and so on. By him stating this shows his inability to be not only compassionate but just straight up non-caring. This has been a stressful process, any help would be helpful. 

My police report that I was able to make online is the following : REPORT NUMBER XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NJ)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XXXX XXXXXXXX
Consumer complaint received 2024-09-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (MI)

XX/XX/year> LVNV FUNDING, RESURGENT CAPITAL, XXXX XXXX XXXX XXXX COMMUNICATED BY US MAIL TO ME ON BY HALF OF LVNV AFTER I REQUESTED A CEASING OF COMMUNICATION XX/XX/year> ... 15 USC 1692C ( c ) States..if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt that the consumer wishes the debt collector to cease further communication with the consumer the debt collector shall not communicate further with the consumer with respect to such debt except- to advise the consumer that the debt collector further efforts are being terminated ; I did that..they violated my rights under the FDCPA CEASING COMMUNICATION SECTION C...
Consumer complaint received 2024-09-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (LA)

I have been in repayment of my student loan ( FFELP ) for 35 years. The loan has been serviced by Sallie Mae and by Navient, and was transferred to XXXX, effective XX/XX/XXXX. I have been enrolled in an income-based repayment plan for some time now, after I spent many, many years in either deferment or forbearance programs offered through Navient. I was guided into forbearance and deferment due to financial hardships but was never informed by Sallie Mae or Navient that other income based programs were available to me. I borrowed {$27000.00}, and the loan was consolidated in XXXX at 9 % interest. Over the past 35 years, I have repaid approximately {$82000.00} on the loan, but I still owe upwards of {$140000.00}. 
I am now XXXX XXXX XXXX, work for myself part-time as a social worker and collect social security. I have never been able to own my own home because of the debt I carry from my still-growing student loan debt. I hoped that I might qualify for some forgiveness but having a FFELP loan always complicated my attempts to enter a loan-forgiveness program, even when I applied to enter the loan forgiveness program around XXXX or XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but denied due to my having a FFELP. I contacted Navient to ask about loan forgiveness. I was sent an application to apply for the Public Service Loan Forgiveness program. I was told that I would have to have my loan refinanced and apply. I am self-employed and do not work for non-profits, the government or agency-setting that meets the criteria for the loan forgiveness program. Moreover, I do not want to re-finance a {$270000.00} that has ballooned to {$140000.00} That sad part, for me, is that I will die before this loan will ever be paid off.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX BALANCE {$9400.00}
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/year>, I discovered that my name has been utilized without my permission, which constitutes a violation of consumer rights under applicable laws, including the Fair Credit Reporting Act and other relevant consumer protection statutes. This unauthorized use has resulted in significant distress and potential harm to my personal and financial reputation. 

I request that you provide clarification regarding how my name was used and the nature of the account in question. Additionally, I demand that you cease all use of my name immediately and rectify any records that incorrectly associate me with this account. 

Please respond to this letter within 14 days to confirm the steps you are taking to resolve this matter. If I do not receive a satisfactory response, I may consider further actions, including filing a complaint with the appropriate regulatory authorities. 

Thank you for your attention to this urgent matter. 
This is what was told the the company when contacted.
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

I am being put into collection for something I have no responsibility with. I have no contract with the collector reporting to my credit. I have also been part of identity theft and reported it the same day it happened. instead of helping me it was charged off and placed into collection. please help me get this collection removed off my credit as its affecting my ability to do anything. this has been very frustrating. I have reported to the bbb, and all credit agencies.