davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On X/XX/17 I submitted a request to close my checking account at Fifth Third Bank. On X/XX/17 I received an email back reminding me of the following : " A checking account is unable to remain closed if it is still being used. Recently closed accounts are reopened if a new debit is submitted against the account. Please refer to the Rules and Regulations Applicable To All Fifth Third Accounts And Cards booklet : " Customer authorizes Bank to honor any items bearing Customer 's account number if Customer has disclosed that account number to the payee or any representative, affiliate, or party associated with the payee, whether or not the item is signed by the Customer. Customer further agrees that Bank may presume that the issuer of the item obtained authorization. For example, if Customer voluntarily gives information about their account ( such as the routing number and account number ) to a party who is seeking to sell Customer goods or services, and Customer does not physically deliver a check to the party, any debit to the account initiated by the party to whom you gave the information is deemed authorized. '' This means that if we receive information indicating that a debit is to occur from your account, we assume that you have authorized the transaction. You will need to contact the merchants who are debiting your account to revoke their authorization to debit from you. This will prevent any additional transactions from reopening your account. '' I 'm not a contract attorney but if I provide written notice to close an account, and they close the account, I am no longer bound by the " Rules and Regulations Applicable To All Fifth Third Accounts '', which means they should refuse any debits attempted on my account after it was closed. Fifth Third 's stance is of course for the " benefit '' of the customer and I 'm sure they would argue it 's a " courtesy '' to ensure payments are not refused, but the reality is that they are providing this " courtesy '' so they can charge overdraft fees to closed accounts. I 'm submitting this because it 's an abusive practice and needs to stop.
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Access Receivables of NC Inc. (PA)

We acquired XXXX XXXX internet as a provider. They promised us adequate speed for our needs, so we entered a contract with them, only to find out we could not even watch a movie, use our phones or work from home etc ... We paid for services for XXXX mos while they tried to correct the problem, in the meantime accrued charges for extra data to our phone, could not watch movies or work from home while they tried to fix. they sent us to collection agency for equipment charges and early termination fees which we are not liable for. they failed to reach their part of the contract. meanwhile they are blaming us for breaching the contract. we contacted them several times speaking to XXXX XXXX on XXXX/XXXX/XXXX which is the highest supervisor we could reach and she refused to remove the amount.
Consumer complaint received 2024-11-23
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)

I am writing to formally dispute the inaccurate reporting of multiple accounts on my credit file. 
Upon thorough review, I have identified numerous violations of XXXX XXXX guidelines and the Fair Credit Reporting Act ( FCRA ) across the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The identified violations are outlined below for each account, and I demand immediate investigation and rectification of these issues. 
Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Violations Identified : 1. Late Payment Inconsistencies : The account reports conflicting 30, 60, 90, and 120-day late statuses without supporting payment data, violating FCRA Section 607 ( b ) ( accuracy requirement ). 
2. High Balance vs. Past Due Discrepancy : The high balance of {$3300.00} is reported without corresponding past due amounts, creating misleading and incomplete information. 
3. Missing Closure Date : Despite reporting severe delinquency, the account lacks clarity on whether it is active or closed, violating XXXX XXXX closure reporting requirements. 
4. Incomplete Reporting : Critical fields ( e.g., last payment date, payment frequency, term length ) are blank, breaching XXXX XXXX completeness standards. 
Account XXXX : XXXX Account Number : XXXX Violations Identified : 1. Erroneous Payment History : Payment history reflects 30, 60, and 90-day late payments without corresponding dates or amounts, violating XXXX XXXXXXXX accuracy guidelines. 
2. Conflicting Closure InformatioXXXX : The closure date of XX/XX/2024 conflicts with reports of recent late payments, creating inconsistency. 
3. Misclassification : The account type " Miscellaneous Home Furnishings '' is mismatched with the revolving credit structure, breaching XXXX XXXX classification rules. 
4. Incomplete Fields : Numerous missing data fields in XXXX reporting violate XXXX XXXX completeness standards. 
Account XXXX : XXXX Account XXXX : XXXX Violations Identified : 1. Inconsistent Reporting Across Bureaus : Payment history, balances, and account statuses differ significantly between XXXX, XXXX, and TransUnion, violating XXXX XXXX uniformity principles. 
2. Erroneous Late Payment Data : Reports of late payments ( 30, 60, and 90 days ) lack corresponding past due amounts or dates, creating misleading information. 
3. Dispute Resolution Misreporting : The account is marked as Dispute Resolved, yet I have received no investigation results, violating FCRA Section 611. 
4. Payment Frequency Mismatch : The payment structure is inconsistent with the account type ( credit card ), breaching XXXX XXXX reporting standards.
Consumer complaint received 2024-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Third Dispute Regarding Inaccurate Late Payments Dear CFPB, I am filing a formal complaint against your agency for failing to correct inaccurate information regarding late payments reported on my credit report for one of my accounts. Despite multiple requests for correction, including letters dated XXXX and XXXX, my requests have been ignored, violating the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Disputed Information : Late payment notations remain inaccurately reported despite my payment history showing all payments were made on time. Specifically : XXXX reports : 30-day late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
90-day late payment in XX/XX/XXXX, matching TransUnion 's reporting. 
These discrepancies have not been addressed in previous investigations. 
Violations Identified : FCRA Violations : 15 U.S. Code 1681i : Requires credit reporting agencies to ensure the accuracy of information in consumer files. This has not been upheld in my case. 
15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
PAANL Violations : Under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are obligated to provide timely statements to prevent unfair penalties to consumers. This responsibility has not been met, as evidenced by the inaccurate reporting. 
Desired Resolution : Immediate removal of all inaccurate late payment notations from my credit report. 
Written confirmation of the correction made to my credit file. 
If this issue is not resolved promptly, I will escalate my complaint, including filing additional complaints with relevant regulatory agencies and pursuing potential legal action. 
Attachments : To assist with your investigation, I have included : Copy of my Social Security Number. 
Copy of government-issued ID. 
Proof of address. 
Highlighted credit report indicating the inaccuracies. 
I kindly request that you provide a detailed description of the investigation process and the evidence used to validate the late payments within 15 days, as required by the FCRA. 
Thank you for your prompt attention to this matter. I look forward to receiving a resolution and confirmation of corrections within the timeframe mandated by law. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX is reporting 4 accounts in collection, and unpaid. All 4 accounts have been paid in full over a year ago. all 4 accounts are listed as unpaid medical. XXXX is also reporting my credit card balance incorrectly. Please update my credit card balance correctly. I did not give authorization for the following credit checks. > 1. XXXX > 2. XXXX > 3. XXXX > 4. XXXX > 5. XXXX In addition to the above credit inquires there are lots of old hard credit inquiers showing on my account.
Consumer complaint received 2017-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I 've been a Chase bank customer for over 15 years, I 'm a XXXX  XXXX year old man and any small amount i lose is considered a very big deal. On the XXXX of XXXX 2017 XXXX XXXX i woke up to a message from Chase notifying me that there has been a withdrawal of {$200.00} even though there were 3 consecutive withdrawals of {$800.00} before that. I opened my account to see the activity, turns out there there was a check deposited first before the withdrawals and then it was withdrawn right away before the consecutive withdrawals. I called the bank immediately to notify them it was n't me that did these transactions and they asked me to fill out a form so that they can start the investigation.They then sent me an email saying that according to their investigation, it was an authorized withdrawal and that done by my card with a chip and used my pin. At that time I was sleeping and my card, the only card i have was in my wallet. They could 've easily realized that in the past 15 years banking with chase, i never withdrew an amount this big, used my card or deposited a check at that time, or used that specific bank. Also the signature at the back of the check that was deposited does n't mach any of my previous signatures. So i made a police report and gave chase my complaint number, but again they were very careless and did n't help in any way.
Consumer complaint received 2017-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX XXXX, 2017 my credit report was pulled by XXXX, which was not authorized. There is a consumer statement on my credit report requiring all lenders to call me before extending credit in my name. XXXX called and I told them I did not request a XXXX Credit Card nor did/do I give them authorization to pull my credit report. I instructed them to remove any inquires from my credit report, which still has not been done.
Consumer complaint received 2016-04-20
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

Good Day, I had contacted Chase for improper hard inquiries on my credit reports as below- XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 If you find that my dispute is incorrect, and you did have my authorization to inquire into my credit report, please send me documented proof of my authorization. 
Thank you.
Consumer complaint received 2017-08-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (NV)

ARA Inc. contacted me by phone on XXXX. I was on vacation with my family so said I would contact them when I returned home. Upon arriving at home on XXXX I found letter dated XXXX/XXXX/XXXX. I called again and talked with XXXX XXXX. She told me they had contacted my ex-wife and my credit union which I checked later and found they were all lies. They refused to provide me with any documents showing I had taken this loan out. They were referring to a loan with XXXX XXXX supposedly taken out by me 20 years. This was reported 20 years ago as identify theft with a letter from the person that took out the account. They said I owed {$25000.00} and with interest and penalty it was over {$65000.00}. They would settle for {$7000.00} + and after later talking offered to settle today for {$6000.00} +. If I did n't they would take me to court for collection of the full amount. I told them to go ahead and I contacted my lawyer.
Consumer complaint received 2017-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

FedLoan Servicing is the worst company I have ever dealt with. They have terrible customer service, do not follow the law when it comes to the terms of forgiveness programs, and put my account into delinquent status for 2-3 weeks every month because they do n't process payments in a timely manner.
My current issue relates to making loan payments with my XXXX XXXX XXXX XXXX. They ca n't seem to process these correctly. I have to call several times each month to check on the status. I am currently on the phone with the 4th person I 've spoke to this month about my payment made on XXXX/XXXX/2017, which they have apparently " lost ''. This is the first person that stated the payment is not showing in their system. The other 3 stated that it would be processed soon. The payment they have no record of. Did those 3 even look at my account?
Additionally, they have cheated me out of almost 3 years of qualified payments under the Public Service Loan Forgiveness Act. They refuse to follow the policy in the PSLF documentation in terms of awarding up to 12 months for lump sum payments made with the XXXX XXXX XXXX. I have been calling them about this issue for months and they refuse to do anything about it.
Consumer complaint received 2017-07-08
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)

I leased a XXXX XXXX XXXX. I had to pay my first lease payment when I leased the vehicle. XXXX XXXX is stating they are reporting all payments to all major credit bureaus. When I got my annual credit report this year, I noticed my first car payment was not reported on my XXXX Credit Reporting Agency. In addition to my first car lease payment was not reported on my Equifax Credit Reporting Agency. I first attempted to repair the inaccuracies with XXXX XXXX XXXX, who sent me a history report that shows a first payment was made of {$320.00}. In XXXX I disputed the inaccuracies with XXXX Credit Reporting Agency and with Equifax. I received my XX/XX/XXXX Credit Report dated XX/XX/XXXX. My first lease payment is still not reflecting on my credit file, which also makes it appear as if I owe XXXX XXXX more than what I owe. I am due to turn the car in on XX/XX/XXXX. My last payment is XX/XX/XXXX. All I want is my fair credit reported correctly. I made a {$320.00} payment to XXXX XXXX XXXX on XX/XX/XXXX, yet the payment is not being reflected on all major credit bureaus. XXXX placed a REMARK on my file stating DISP INVG COMP CONSUM DISAGRS. I requested a dispute, so that my first lease payment made on XX/XX/XXXX of {$320.00} would reflect correctly and accurately. Please investigate this matter thoroughly. This is an isolated incident, that may possibly constitute identity theft of some sort.
Consumer complaint received 2017-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Williams & Fudge, Inc (MD)

I contacted Florida XXXX and XXXX XXXX XXXX XXXX about my federal loan. They are refusing to apply the amount I qualified for in Fall of XXXX. They are claiming there are timelines. This is not true. I contacted fasa and they said it is up to the school. Furthermore, I was told my financial aid was incomplete by the university. I never received any correspondence stating this. 
I and, my mother contacted the University 's financial aid office several times, and was told everything was fine and, my award would automatically be applied to my.
Consumer complaint received 2024-08-27
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. (AZ)

I provided information to credit bureau regarding fraudulent items being reported to my credit report and as the investigation process, items are being removed but later added back to my credit profiles. This process seems to be taking much longer with little insight into the results.
Consumer complaint received 2017-07-27
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: Fidelity National Information Services, Inc. (FNIS) (TN)

I learned from authority and being under investigation that am a victim of identity theft. The FBI told me it 's an inside job. My drivers license have been stolen with the names XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. My date of birth have been changed with all three credit agencies. All of my former employers have been changed. My social security card have been stolen. I 'm using my maiden name, which is XXXX. A seven year fraud alert have been placed on all three credit agencies. XXXX XXXX once lived with my late father XXXX XXXX XXXX. She knew he was my emergency contact, prior to his XXXX and was stealing my mail. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX are sisters and they are working together. In 2005 I filed a XXXX XXXX law sue. My XXXX was prepared by them without my knowledge. Credit was being abused while I was under wage earner, my rights was violated under the wage earner courts. The case number for the law sue is XXXX. XXXX XXXX XXXX. Tax returns are being filed using my personal information. Fraudulent transitions are being reported to IRS. XXXX-mortgage statements.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I receive alert on my XXXX XXXX portal that XXXX , XXXX of XXXX XXXX, CT.XXXX Contact XXXX pulled my credit XXXX and there is XXXX hard inquiries on my credit report with XXXX , Equifax and XXXX. Why XXXX XXXX not reporting accurate information? Is this a Retaliation from my file Federal Government complaints against XXXX XXXX? There should only be XXXX inquiry from XXXX , XXXX not XXXX inquiries. XXXX hard inquiries is listed for XXXX XXXX,2017 My VA Loan agent only pulled my credit XXXX and she is with XXXX XXXX XXXX XXXX in XXXX, Florida. She is a excellent Military Veterans supporter and very experienced in credit matters.
Consumer complaint received 2017-07-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I am set up under a interest reduction plan and my payments are {$200.00} which is due on the XXXX of each month. I was informed by Navient that the only way I can be enrolled in this program if I set it up on auto payment with my checking account. Well I have faithfully made my payments on time for two years but I have found myself in a financial burden from time to time so XX/XX/XXXX, 2017 was late and it made my checking account overdrawn because the money was not in the account but the payment was paid on XXXX XXXX, 2017. The problem occurred when Navient took out another payment of {$200.00} on XXXX XXXX, 2017 even though the XX/XX/XXXX payment was paid on XX/XX/XXXX. I contacted Navient and everyone i spoke to told me they had no record of tht payment. So when I spoke to supervisor she informed me to send the bank statement showing tht they took the payment out on XX/XX/XXXX ans proof that my checking account was overndrawn and they will reimburse me for the {$37.00} overdraft fee. I sent in the bank statement and highlighted the payment that was taken out as well as the over draft fee. I followed up with Navient to ensure they received the documents and the agent informed me they did and filed for the reimburement then informed me i should receive the reimbursemetnt within 7-10 business days after the 10th business still not reimbursement. My other problem I have worked with Navient for years my account is up to date but I feel that I am being taking advantage of when I took these loans out I was young but I accepted my mistake but I do not feel this company Navient which was once known as XXXX XXXX should continue making my life miserable please help! I am desperate i work full-time and i try my best to pay all of my bills on time.
Consumer complaint received 2017-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (OH)

I recently Received a negative credit report concerning a hospital bill from XXXX XXXX XXXX XXXX, A XXXX hopital. I have XXXX XXXX community plan XXXX and have had it for the last three years. I also have been approved XXXX in XX/XX/XXXX, and have since been trying to maintain and build financial data. Being covered under medicaid I am sure that the bill was taken care of or simply not properly filed by the hospital in question. I have a history of XXXX XXXX and maintain multiple doctor appointments The debt is held by DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I intend to contact them and try to get the remarks removed