davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Relay Financial (US), Corp. (TX)

My two Relay Financial accounts were closed for no reason. I want to warn potential business owners about this bank. 

Relay Financial Bank is not a bank. They do not have customer support let alone anyone that can assist with any problem that occurs. On XX/XX/XXXX we had a bounced check from a customer in our XXXX XXXX account. We explained and gave them proof of what happened. 

Our account was reactivated on XX/XX/XXXX by rep XXXX XXXX. I signed in twic after then. But on XX/XX/XXXX I had trouble logging in. I tried logging in after XXXX EST and tried calling support for help. 

There hours are XXXX EST. I called the next day and they stated it would have to be escalated to fix the login issue. The error message I got was I tried logging in too many times. The login is automatically saved to my laptop and the password is already saved. 

I tried logging in twice and I was told to call in since I could not set my password myself. Since then I have waited and called in for weeks to find out whats going in my account. It is very difficult to get anyone on the phone at this supposed bank. Finally I got a helpful woman on XX/XX/XXXX. 

She apologized and stated this would be escalated. The next day I got an email stating my account was closed. No reasons as to why. So I called again and they said they would try and get someone to help. 

Today XX/XX/XXXX we are still expecting a deposit from our vendor XXXX XXXX connect who has paid us since XX/XX/XXXX. Only to find out our second account was closed. This company is not a bank. They are posing as a bank.Today is XX/XX/XXXX and our deposit has been blocked which will delay time in paying our workers right before XXXX. 

I have 3 transactions that I have disputed on my second account. I had to dispute it with XXXX because this company is not a bank. I do not know what they are. But a scam. 

Avoid. I have to call from different phone numbers to get to customer service. My bank number on file which is my number has been blocked. How is this a bank?? 

When I can not call in for my balance. AVOID This fake bank. 

They are owned by XXXXXXXX XXXX who has no clue how horrible this bank is. AVOID at all cost!!!
Consumer complaint received 2021-11-16
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: DISCOVER BANK (FL)

I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I am consumer, alleged obligor, natural person and original creditor, as originator of consumer credit transaction lent Discover my accounts payable social security credit card number as cardholder and card issuer to accounts receivable secured consumer credit application and received access device Discover card. I as a natural person possessing an open-end credit plan was injured by Discover. 
Discover was directed to cease collection efforts and communication with third persons in honor of my right of privacy and confidentiality per 42 USC 408a ( 8 ). Discover took adverse action and closed my account without my consent unfairly. cardmember agreement specifies it is subject to governing law of federal regulation for which the right invoked was exercised in good faith. Discover despite forfeiting its right to collect for the adverse action take continues to deliberate report personal information to third persons without my consent. I have advise third persons that I revoke the right to report from Discover and for them to honor my right of privacy. XXXX XXXX  has complied. All others have sided with the furnisher regarding my consumer information alleging that the debt is verified in violation of 15 USC 1692b ( 2 ). Discover is now civilly liable to me.
Consumer complaint received 2019-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

XXXX XXXX University extended my pervious student loan without my permission/approval. I am no longer a student at XXXX XXXX University. I attended XXXX University, however XXXX University can not obtain my student loan funding, due to the fraudulent actions of XXXX XXXX university. Nelnet is my student loan facilitator. I contacted Nelnet, however they would not rectify the issue.
Consumer complaint received 2024-01-26
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. (DC)

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

. Date Reported XX/XX/XXXX Other Address XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Date Reported XX/XX/XXXX Other Address XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Reported XX/XX/XXXX Other Address XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I've never lived at these addresses listed above. 

15 U.S.Code 1681 Section 602 A. States I have the right to privacy.

15 U.S.Code 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.Code 1681c. ( a ) ( 5 ) Section States : no consumers reporting agency may make any consumers report containing any of the following items of information other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.Code 1681s-2 ( A ) ( 1 ) A persons 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 2024-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-01-25
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. (GA)

Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX Date Opened : XX/XX/2015 Balance Owe : {$1000.00} Dispute Status : Account not disputed I am concerned about the reported Balance amount of {$1000.00}, as I think that the actual Balance is lower. I request the amount indicated in the Past Due Information be removed
Consumer complaint received 2019-09-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Deatrick & Spies PSC (KY)

A XXXX XXXX XXXX was totaled in a car accident on XX/XX/XXXX ; a claim was filed with my nationwide insurance, as the XXXX XXXX XXXX had full coverage. A check was issued to XXXX from XXXX on XX/XX/XXXX in the amount of {$5900.00} to pay the loan in full. 

Since my XXXX XXXX XXXX was totaled I have since bought another truck from XXXX in XXXX a XXXX XXXX XXXX Vin # XXXX and no issue has ever been brought to my attention about an outstanding balance on a previous loan with them. I am requesting an investigation be conducted ; I am attaching proof of payment from XXXX to XXXX. 

I have never received a previous notice from the original creditor Autosmart telling me I had an outstanding balance and now Deatrick and Spies, P.S.C is trying to garnish 25 % of each check I receive.
Consumer complaint received 2024-01-24
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. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-25
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. (TX)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2019-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Neon Newco Corporation (VA)

On XX/XX/2018 my tax return was loaded onto my net spend card No more than 20 minutes later I go to check my account and {$2600.00} was taken out of my account. 

I called netspend in XXXX Texas an they took my information an told me they would do an investigation. 

On XX/XX/XXXX XXXX they send me a letter saying their was no information an error had occurred.
Consumer complaint received 2024-01-25
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. (PA)

I am urging the elimination of this account from my credit report because it is not rightfully mine, and its inclusion disappoints me greatly. According to FCRA 605B, this must be expunged owing to unjust and inaccurate reporting.
Consumer complaint received 2024-02-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MO)

I have had multiple issues with this bank over a year ago I was approved for credit then within 1 months they cancelled my card and said they did it because they couldn't verify my income I have been on XXXX for years now should not take much to verify. Applied for XXXX XXXX XXXX this year and was denied, called to dispute and was told that they could not tell me why. Requested denial letter that they said they would send in the mail that I never received instead they sent a link to me in an email which only stated that I have insufficient income to debit obligations. That was not true I have been able to pay all my debts on time with no issues that is stated in all my credit reports.
Consumer complaint received 2021-06-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (DC)

I was instructed today, XX/XX/XXXX by a Loandepot representative to submit a compliant to the credit bureaus regarding Loandepot because this was my 6th time research out to them to have my mortgage loan state close on my credit reports because it has my debt to ratio very high. 

Please note that Loandepot was paid in full on XX/XX/XXXX and I'm not understanding why it is taking Loandepot so long to change the status of my old loan with them from open to close. 

It been 6 months since I've been a customer with my current mortgage company : XXXX. 

I would greatly appreciate any assistance/help that you could provide on my behalf to get this mortgage company to comply with my request. 

I've included below one of my request to Loandepot back in XX/XX/XXXX to have this matter resolve. 

-- -- -Original Message -- -- - From : Customer Service XXXX To : xxxxxxxxxxxxxx Sent : Sun, XX/XX/XXXX XXXX XXXX Subject : Inquiry auto-reply We are in receipt of your inquiry and will respond in the order of receiving. 

Sincerely, Email Support AS OF TODAY SUNDAY XX/XX/XXXX LOANDEPOT STILL HAVE MY ACCOUNT AS OPEN. This is my 2nd TIME REQUESTING THAT YOU CLOSE THIS ACCOUNT BECAUSE ITS HAVING MY DEBT TO RATIO OFF!!!!! THIS IS THE XXXX MONTH THAT I HAVENT BEEN A CUSTOMER WITH YALL.
Consumer complaint received 2024-02-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I was scammed on XXXX through Capital One in a rental scam. The scammers managed to get me to send them a security deposit and the first month 's rent before I discovered the scam and reported it to Capital One on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Capital One denied my claim citing the reason for denial as " The payment was processed according to your payment instructions. '' However, they are obligated to refund fraudulent transfers which, according to CFPB guidelines include scams like this where the scammers impersonated someone else and got me to authorize the transfer under false pretenses. The transfers through Capital One were fraudulent because I never received the goods I paid for and because the recipient was impersonating someone else.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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 2024-01-23
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: RentDebt Automated Collections, LLC (NY)

This company is refusing to send me a letter of validation. I sent them a request for letter validation to priority mail, and I received that they had signed and received the letter but theyre refusing to send me a letter of validation.
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: STATE STREET BANK AND TRUST COMPANY (MD)

On XX/XX/23 I closed a XXXX with XXXX XXXX. They issued a check directly to my bank, account number is XXXX, XXXX XXXX in the amount of {$900.00}. The check was mailed out on XX/XX/XXXX  and is showing cleared on XX/XX/23. It was never received by XXXX. This check was deposited to State Street Bank And Trust routing number XXXX. My best guess is the check was stolen from the mail and fraudulently deposited. 

I submitted a CFPB complaint about this and received a response from XXXX XXXX that the check was deposited to an account in my name. I call the number given and they were unable to locate an account that has received this check. Please provide me with information to help them locate the account so I can get my money.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Installment Loan Account Number : XXXX Reason : This account is reporting inaccurately to my credit reports. This account is reporting to Equifax and XXXX  that this account is open but is reporting to XXXX  that its closed. I ask If this account be deleted ASAP because these mistakes are affecting my credit score and is supposed to be accurately reported to all 3 bureaus. 
I sent in a dispute letter more then 30 days ago and have not received a solution. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XXXX ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2021-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I submitted paperwork for my account to be reviewed because they marked several payments as " not received '' or " not eligible. '' I sent bank statements, etc. that showed I did pay during those certain marks. I submitted that XX/XX/XXXX. It is now XX/XX/XXXX with NO review finished, no updated, etc. I have contacted them several times and each time they say " it takes a long time to process. '' No determined date that it will be done or further information.
Consumer complaint received 2021-04-28
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: EQUIFAX, INC. (IL)

this issue have been going on with all 3 bureaus for more than 2 months. I am constantly asking for a method of verification and the bureau always send me a letter saying a company has verified the information is correct. What company and what documentation have they supplied you with. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Also, Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. They send me this same message back for the 3 items I have been disputing but no verified documentation. There are 2 bankruptcies and a collection from XXXX  XXXX which is not mine. 
They are sending you all information saying an unauthorized party is requesting information which is not true. They are not addressing the issue with you all or with me. This is the message they are giving you all This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 
I am my own person and I am the one who has been requesting the information. My next step is legal and the attorney general office.
Consumer complaint received 2024-01-23
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NJ)

I had a late fee my first time using Old Navy Rewards Card ( Barclays Bank ). I called in XXXX to ask if they would remove the late fee and said that I would pay it in full immediately. They agreed and waived the fee and I paid in full. 

They did not actually waive the fee and so I got charged another late fee on top of that. I called again as soon as I noticed and was told the fee was waived its just pending and that they will also waive the new fee. The new fee was waived but still not the original fee. I called again and got the same answer that somehow this late fee is still pending since XXXX and theres nothing else they can do besides remove the SECOND new charge. 

Now, today, I once again incurred a late payment fee and owe more on the card than I had ever charged in the first place ( I made a purchase for about XXXX dollars and haven not used it since because of this issue ), as I now owe XXXX dollars. 

I cant even use this card because they have not sent me one in the mail since I got it back in XXXX so there is no way I should owe any money to this bank.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (LA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section XXXX XXXX it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2021-04-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SECURITY FINANCE CORP (GA)

In XX/XX/2021 I was contacted about a late fee by Security Finance. I promptly paid the fee and the agreed amount for that month. Yet Security Finance issued a collection for {$10.00}, and it consequently drove my credit score down 130pts and negated a business deal I had in the making. Their website reflects I have an exceptional payment history. They have violated the FCRA by reporting false information.
Consumer complaint received 2021-04-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.