davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (MD)

According to 15 USC 1681e ( b ) You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681e ( b ). This account is closed on XXXX XXXX but they also show being reopened the same date of XXXX XXXX. This is fraudulent and I would like to have it investigated and removed completely from all three credit agencies.
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I purchased XXXX mattresses, a bed frame, and XXXX apparatuses to move the beds up and down from Macys. The items were delivered to me in XXXX of XXXX, and were promptly returned to Macys in XXXX. Macys and Citibank did not properly credit my Macys credit card for the returned merchandise. I spent months calling Macys, trying to correct their error ( s ). 
On XX/XX/XXXX, after numerous calls and letters, I sent a letter to Macys disputing charges on my Macys credit card account. On XX/XX/XXXX, Macys responded and failed to correct their billing error, and failed to remove negative information from my credit report, and continued to charge interest on the account. After receiving Macys erroneous response, I sent another letter on XX/XX/XXXX, hoping Macys would correct their mistakes. Instead of correcting these errors on my account, Citibank is suing me for a balance I don't owe in the amount of {$3100.00}.
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened a checking account with Truist with {$60.00} cash, the following morning I go to make a deposit and my account is closed. I called and asked what the reason for my account being closed the very next day could be, their response was random suspicion. the checking account was opened on XXXX XXXX account # XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

This account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX should be delete and removed from my credit report. I do not recognize this account, and I think that it was created fraudulently. I've filed disputes with the company and the credit bureaus already.
Consumer complaint received 2024-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

I called best buy credit card issued by citi to have payments made go towards a promotional balance that is set to expire XX/XX/scrub>XX/XX/2024. This request was made after my past promotional balances were paid off. The person I spoke to at their allocation department removed half of what is owed to that XX/XX/XXXX promotional balance and placed it on my account as a main balance causing me to get charged interest fees, which is not what I requested. I have called countless times to get their mistake fixed and i keep getting told that it will be resolved and nothing has been done. I have been dealing with this issue since XXXX of 2024. In total I have spoke to about 7 people who all have said that my account will be fixed. I continue to get charged interest for an incorrect balance. My deferred interest is also the same amount as it was before half the balance was moved over to my main balance. I have complained to citi ( Best Buy ) about these issues and nothing is being done. I am not sure what to do
Consumer complaint received 2024-09-15
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: TD BANK US HOLDING COMPANY (CA)

While my credit score was still XXXX I decided to go and get the cheapest truck in America the XXXX XXXX. I went to XXXX XXXX in XXXX XXXX, CA. They pulled my credit 6 six in one day. Then they personally financed me through XXXX XXXX XXXX at a higher cost of the vehicle I wanted I even gave a {$2000.00} down payment. I found out about the 6 hard hits when the denials came in the US MAIL. I then wrote to ALL of the creditors asking for the removal of the hard hits. As they were ALL done on the same day. The creditors that responded to me requested a letter from XXXX XXXX explaining their actions. I went to the dealership to get some sort of letter to send to these creditors. I just got a run around. And their Corporate Office sent me a 7 page letter showing that I signed. Well my credit was hit before I signed any purchase contract. By then the damage was done.
Consumer complaint received 2024-08-08
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. (PA)

I originally disputed the inaccurate and unverifiable accounts on my credit report on XX/XX/2024. The items were verified as accurate with no proof as I had requested the documentation proving the alleged account had belonged to me. The company failed to provide them. I am currently in the process of applying for a mortgage and these unfavorable inaccurate are hindering me from an approval. In addition I have disputed directly with the creditors who are reporting this inaccurate information on my credit reports and they have not responded to my disputes either.
Consumer complaint received 2024-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OK)

My Teacher Loan Forgiveness application ( TLFA ), which Mohela had accepted for the requested sum of {$17.00}, XXXX, was sent to the Department of Education for discharge on XX/XX/year>, according to an official letter emailed to me by Mohela ( please see attached XXXX  ). When I called the Department of Education four weeks ago to inquire about my loan discharge status, I was told that none could be given to me and that I should contact my loan provider, Mohela. When I contacted Mohela again, they informed me that it takes 90 business days for the Department of Education to give its final approval for the discharge of student loans, starting from the date Mohela sent them the letter. Mohela told me that the 90 Business Days would expire on XX/XX/XXXX in response to my request for a specific date. When I called Mohela again on XX/XX/XXXX, all I got was that " the department of education is running behind '' and " it will take us an additional 90 days from the time we receive the Department of Education 's approval to discharge the loan ''. Mohela continues to unduly burden me each month with accruing interest on a loan that should have been partially discharged months ago. Please save me from this blatant tyranny.
Consumer complaint received 2024-08-08
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. (FL)

RE : 15 U.S. Code 1666b - Timing of payments To Whom it may concern..

It is of utmost importance for the creditor to comply with each parameter established by the Fair Credit Act ( FCRA ) as mandated by law. As a consumer, I am exercising my rights to have truly accurate and verified credit.

In according to law 15 U.S. Code 1666 ( a ) ( b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance chargefor the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

That said, I hold these creditors accountable under the Fair Credit Act. 15 U.S. Code 1666 ( b ) ( a ) Creditors : XXXX XXXX XXXX Account Number : XXXX Payment late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX Account XXXX XXXX XXXX Payment late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please provide me with written proofs of the letters they sent me 21 days before the date on which the late payments were reported on each of the accounts mentioned above. It is your obligation to send me these copies because this is what the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1666 ( b ) ( a ) stipulates. 

It is the obligation of creditors to provide me with written evidence.If the creditors can not provide me with proof of the written letters sent 21 days prior to the date on which the late payments were reported within a 30-day period, Include also, all the information required by Section 1637 ( 6 ) of Title 15. it is evident that they have violated the parameters established by the Fair Credit Reporting Act 15 U.S. Code 1666 ( b ) and I demand that the late payments be updated to positive or ND ( No data for this period ), otherwise I demand the immediate deletion of said accounts.
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nationwide Capital Services, LLC (FL)

This was XXXX. Never spoke to them. 
Hi, it's XXXX with structured settlement. I see that you haven't returned my message. After speaking to you, it really sounded like you wanted to take care of this on a voluntary basis Since that is not happened I need to submit my final recommendation on your file today as a last resort I just wanted to reach out to you before this escalates to a more serious problem. Please call me back at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank you in advance This is an attempt to collect a debt and any information obtained will be used for that purpose And then I called number back and agent got very nasty and didnt even state He was on recorded line. He told me he could do whatever he wanted to do. Then I hung up and He called me back harassing me again and I told him to put me on DNC and He still continues his rudeness. They violated my rights and need to be held accountable for their actions. TCPA and FDCPA have both taken place. I have other VMs if needed from this company.
Consumer complaint received 2024-09-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NY)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT SYSTEM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Dear Sir/Madam, I am writing this letter to dispute the veracity of an alleged eviction record appearing on my credit report. Previously, I disputed this identical account with the credit bureaus. Their reply, however, was that the account had been " verified '' with NATIONAL CREDIT SYSTEM. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, your company has the obligation to ensure that any data reported on my credit profile is both accurate and complete. Furthermore, pursuant to the XXXX XXXX XXXX guidelines developed by the XXXX XXXX XXXX XXXX, data furnishers are mandated to report complete and accurate information about each account to the credit reporting agencies. 
In view of these legal requirements, I respectfully request that you furnish any documentary evidence that you have in your records, which you believe validates the derogatory information under dispute. 
I anticipate a response to this challenge within 30 days from the date of this letter, as mandated by the FCRA. If you are incapable of producing the requested documentation, I kindly insist on the prompt elimination of the eviction record from my credit report. 
Thank you for your prompt attention to this matter. I eagerly await a swift resolution. 
Yours Sincerely, XXXX XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Byrider Franchising, LLC (WI)

XXXX XXXX XXXX XXXX XXXX XXXX dont know XXXX XXXX XXXX {$2500.00} was {$2000.00} had a XXXX or XXXX XXXX XXXX suddenly went and car company couldnt fix told me to fix I was still under warranty they repossessed it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Include closed XXXX XXXX XXXX account still on my credit report please delete
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (GA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/2023 XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-11
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. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX : account name : XXXX
Consumer complaint received 2024-11-21
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. (FL)

In accordance with the fair Credit Reporting act XXXX  account names : XXXXXXXX XXXX XXXX from XXXX  on XX/XX/XXXX, date reported on XX/XX/XXXX. 
XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2, It also States a consumer Reporting agency can not furnish a account whithout my written instructions.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/year> I received a fraud alert email from Truist. 
XXXX XXXX XXXX XXXX XXXX Client Name : XXXX Account number ending in : XXXX Upon contacting Truist Fraud, they advised me of three different charges from a vendor named XXXX XXXX I called Truist on the same day at XXXX. I explained that I did not make or authorize any charges with this vendor. The email is shown below. 

Hello XXXX, The security of your account is important to us, so we continuously monitor for possible fraudulent activity. We noticed suspicious activity on your card. We need you to verify that you or someone authorized to use your account attempted the following transaction on your card ending in XXXX. 

Date : XX/XX/year> Transaction amount : {$350.00} Merchant Name : XXXX XXXX  Merchant Address : XXXX XXXX XXXX temporarily blocked : No Case ID : XXXX They said they would investigate and get back to me. I heard nothing. There were three charges of varying amounts. When I checked my online account again on Friday, XX/XX/year>, I now see a new charge on my account in the amount of {$560.00} that was posted on my account on Tuesday, XX/XX/XXXX. I was never asked about this charge during my initial conversation with the fraud department nor contacted about this charge from the same vendor. I filed a dispute which has been subsequently denied twice. The only explanation I have been given is that the charge was made with my debit card which I admitted was in my mobile wallet, but that my phone has not been out of my possession. When I inquired why they did not flag this transaction, they said this was the first transaction made with this vendor and since it was made from my mobile wallet and it was in my possession I must have made the charge. When I inquired why this charge never showed in my account until XX/XX/XXXX, they said they had no way of confirming it. Now, for me if the fraud department flagged the " subsequent '' charges as possible fraud, would it not question the validity of the " initial '' charge. 

I have complained several times to the Fraud department. I was told the fraud analyst and when an unknown person called and left the message to return their call, I was told I could not speak to the analyst. I asked for the checking account to be closed. I now have a pending situation regarding to the overdraft protection line of credit attached to my checking account in the {$440.00} that I refuse to pay. Why would you pay a charge when I did not have sufficient funds to cover the charge without question.
Consumer complaint received 2024-11-20
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. (FL)

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 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I disagree with the account listed below which still appears on my credit report even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are damaging to my credit score XXXX ( account number XXXX ). In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/year>, I made a payment to my American Express account through XXXX. However, XXXX blocked this payment due to an issue on their end, which was completely outside of my control. As a result, the payment was returned to American Express. Despite the issue being caused by XXXX, American Express closed my credit card accounts on XX/XX/year>. 

I hold multiple American Express cards, many of which have high annual fees. I expected to fully use the benefits of these cards for the entire year. The closure of my accounts has unfairly prevented me from utilizing the services I have paid for, and I have not been given an opportunity to resolve the payment issue. 

I request the reinstatement of my accounts, or if that is not possible, a refund of the annual fees for the closed cards, as I have been unable to access the benefits that I paid for.
Consumer complaint received 2015-08-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NC)

I assert that Equifax is retaliating against me for having filed a complaint against them with CFPB, in that they have disallowed my ability to file a dispute online and the automated system does not recognize my PIN and personal information when lifting a security freeze. Each time I 've reported the problems, Equifax staff state that it 's just a system error. I have to waste hours on the phone to file a dispute against ant inaccurate records and experience great delays with processing the lift of my security freeze when seeking to apply for credit. Their conduct is assertedly retaliatory.