davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (TN)

I received a random phone call and was told this company Equitable Acceptance could give me complete student loan forgivness if I paid them {$42.00} for 14 months. This would be the only payment I would have to make instead of several student loans. They told me I had 48 hours to make my mind up. I made the mistake of giving them my banking information and thought they would help me. Turns out the information they gave me was false. I got a real student loan bill form XXXX and wondered why I had to pay them as well. I called XXXX and they advised me I had been given false information and was in a scam and needed to call my bank. I changed my account number and the bank said they have saw this all before. I also called Equitable Acceptance and they told me I had to either pay {$42.00} a month for 4 years or pay {$600.00} within 3 days or I would be sued. This is a scam and I think it is disguisting. I want nothing to do with Equitable Acceptance. They prey on the poor middle class who paid thru school. I have enclosed the bank slip where they took the {$42.00} out on XXXX/XXXX/XXXX and it was even called a loan payment.This is a fraudulent company for sure. I want them out of my life. I gave personal information to a scam company.
Consumer complaint received 2017-11-10
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: Experian Information Solutions Inc. (VA)

On several attempts Ive tried to contact Experian to inform them of some inquiries on my credit report I do not recognize. Under the FCRA 604.15 inquiries are only to be pulled for insurance, employment, court order. For this reason, none the these inquiries fall under those circumstances. XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ). These are not my inquiries and I did not authorized them.
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Systems International, Inc. (TX)

I intend to dispute this directly with the credit reporting company. They mailed me a collection notice dated XX/XX/2017 that contained the 30-day validation notice ( as required by law ) for a balance that I was unaware was allegedly due from a medical procedure done last year. I immediately picked up the phone and called the medical office for an explanation. It appears to be an insurance issue. I disputed the amount but went ahead and paid the collection agency to prevent the account from being furnished to the bureaus. My next step was to write them a certified letter requesting full validation of the debt ( regardless of it being paid ). I got an alert from XXXX saying that a negative collection item had been reported by Credit Systems International , Inc. on XX/XX/2017, which was still within the 30-day window. I am demanding that this trade line be removed from my credit report immediately. I am in the process of refinancing my home and am being damaged by this. My next course of action is to hire an attorney and to sue them under the provisions of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-02
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: Bread Financial Holdings, Inc. (TN)

Dispute of Unauthorized Hard Inquiry 15 U.S.C. 1681n Violation I am submitting a formal dispute regarding an unauthorized hard inquiry that appears on my credit report. The details are as follows : Inquiry by : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX  Date of Inquiry : XXXX XXXX, XXXX Inquiry by : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX  Date of inquiry : XX/XX/XXXX I did not authorize these inquiries, and as per the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), hard inquiries require explicit consent for permissible purposes. This unauthorized inquiry constitutes a violation of the FCRA.

Please remove these inquiries from my report immediately. Failure to remove this unauthorized inquiry may lead to further action under 15 U.S.C.1681n, which provides for civil liability in cases of willful noncompliance with the FCRA . 

I request a prompt investigation and removal of this inquiry. I would appreciate confirmation once the issue has been resolved. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2017-02-17
Product: Credit card — 
Issue: Balance transfer fee — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank offered a zero percent balance transfer with no disclosure ( deceptive at best ) that they would charge interest on the balance transfer fee. Essentially skimming and charging interest in interest. This is borderline theft and I 've done balance transfers with others like XXXX, XXXX and XXXX and none has ever been so underhanded charging interest in balance transfer fees. ( charging interest on interest ). I was then told if I close the account they will damage my credit even though the card is up to date. I do n't appreciate intimidation factors to disuade me from standing up for my rights
Consumer complaint received 2017-02-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I would like to close the checking account ending in XXXX. I spoke with XXXX, XXXX., XXXX, XXXX, as of XX/XX/XXXX, and am being told that my checking account will be closed. I would like to keep the lines of communication open so as to see why they would not qualify me to close the checking account. They seem to want to hold onto the {$110.00} and apply to car insurance and keep me a customer. I still am car insurance customer. I 've been hospitalized before XX/XX/XXXX when I asked to close USAA account and female rep called the police on me and i got processed through XXXX, discharged, and USAA was so mean to me thereafter accusing me constantly of being XXXX. It 's made me very XXXX to deal with USAA and have XXXX. And the XXXX have sent me to XXXX and caused XXXX and me to be uncomfortable. I feel so discriminated against by USAA. confirmation number : XXXX and will send check to po box in XXXX, az and will reflect XX/XX/XXXX. I would like to keep lines of communication open unit I receive check and account has been closed for 90 days. I do n't know why the reps have been so difficult and treated me rudely. They really XXXX and caused me some uneeded XXXX in XXXX amongst XXXX. Not to mention, XXXX XX/XX/XXXX and REP PLACED CALL TO XXXX POLICE AND oFFICER XXXX. When I relocate XX/XX/XXXX, I hope to find a better car insurance company. I can not believe they would be so insensitive and try to make me unsafe and seek XXXX and XXXX just to remain customer.
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

Banks should never be allowed to close access to online financial records and statements unless they provide you with a printed, paper copy of all removed items, along with a statement that "financial transactions" stated in such will no longer be available online as of XXXX.  This includes closed accounts, or any account associated with a closed account.  I am currently going through the process of claiming bankruptcy, and file taxes for XXXX, XXXX and XXXX.  I have never kept paper copies of my statements because it was always accessible online, until I got into financial trouble.  My main bank, State Employees Credit Union, closed my checking account, which in turn gave me absolutely Zero online access to any of my financial information, including checking account statements, tax information, mortgage payoff amounts, previous loans and credit cards, etc.  While I understand a 'closing of an account' due to inactivity, money past due, etc., a financial institution should never make it that difficult to access your own personal banking records.  The whole process of going through a bankruptcy with a potential foreclosure is hard enough, and banks should allow you some type of online access to statements required to file these documents without being further humiliated by having to go into a bank to retrieve these documents in order to secure your own financial well being.
Consumer complaint received 2017-03-02
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

For the XX/XX/XXXX tax year Wells Fargo bank issued an incorrect IRS Form XXXX stating that my rolled over IRA account was a normal distribution and the entire amount is now taxable. On top of that, they also issued another Form XXXX for the required minimum distribution from that retirement account. The rollover of my IRA account took place inside the bank on the same day. 
When I requested a corrected Form XXXX, the bank employees stated they could not do so but the bank would be sending out some other Form in the Month of XX/XX/XXXX that would clear everything up. I do not know how to submit my XX/XX/XXXX tax return with this paperwork and I do not understand why there is such a paperwork problem with a simple IRA rollover.
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE (CA)

To Customer Service Team From XXXX XXXX Account XXXX XXXX/XXXX/2016 I am notifying BARCLAY in writing on XXXX/XXXX/2016 XXXX PT -- I took out a balance transfer which is now due for payoff on XXXX/XXXX/2016 in the amount of {$1000.00} ( XX/XX/XXXX ). I am being told instead of being able to pay off this amount directly, BARCLAY will apply my intended payment to the amount balance due on my NON-BALANCE TRANSFER purchases. BARCLAY is punishing me financially for continuing to use my card for additional purchases and PREVENTING me from complying without penalty to the BALANCE TRANSFER transaction. This is equivalent to loan sharking and consumer fraud. BARCLAY puts me in a position to be liable for interest I am trying to avoid by paying off the BALANCE TRANSFER amount early/on time. If this is not corrected, I will cancel my account and I am also notifying ALL Consumer Credit Agencies of this practice of penalizing consumers who want to pay their debt in a timely manner
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I contacted XXXX XXXX XXXX about a medical debt that was put on my credit report several years ago. I wrote them a letter explaining that this was not my debt and it was identity fraud, i asked for proof this was my debt ( i had XXXX at the time which would have paid for any dr visits or hospital visits ) i sent a police report to this agency as well, and the debt was still not removed. They never showed me any proof this was my debt because its not. 

I filed a complaint with equifax and the debt was removed, the company has added this debt back several time under different collection names but when contacted it is the same agency. Equifax is allowing this company to destroy my credit report after they have removed the collection several times.
Consumer complaint received 2024-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered unauthorized inquiries on my credit report today and can't figure out how they got there. Everything looked normal before, but now there are discrepancies. Even after refreshing my browser, they didnt disappear. I need you to thoroughly check the documents I provided so this can be resolved immediately, and I can finally stop worrying about these unauthorized inquiries.
Consumer complaint received 2024-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

i received a parking ticket ( for street cleaning ) for a car i don't own, never rented or leased. I don't know who the owner is or why my address was used for the person renting the car. I attempted to clear this with the city of XXXX XXXX but was ignored multiple times by them and this was sent to a collection agency ( Transworld Systems Inc. ). 

I sent this letter to XXXX : I am writing to dispute the validity of the debt referenced in the collection notice I received dated [ Date of Collection Notice ], concerning a parking citation allegedly issued by the XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

I assert that this debt is not valid for the following reasons : Incorrect Association with Vehicle : I have never owned, rented, or leased the vehicle in question. The citation was issued to a vehicle that is not, nor has ever been, associated with me in any capacity. 

Misuse of Address : The individual who rented the vehicle used my address without my authorization. This was done without my knowledge or consent, and I have no affiliation with the vehicle or the person who received the citation. 

I have previously contested this citation directly with the XXXX, including the original citation and subsequent follow-up notices. Despite my protests, the ticket was not dismissed and has now been sent to collections through your office. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following actions be taken : Verification of Debt : Provide me with verification of the debt, including a copy of the original citation, to validate the legitimacy of the claim. 
Investigation of Misuse : Investigate the misuse of my address in relation to this citation and correct the records to reflect the true responsible party.

Cessation of Collection Activities : Immediately cease all collection activities related to this alleged debt until proper verification has been provided and the issue has been resolved.

Please acknowledge receipt of this letter and inform me in writing of the steps you are taking to address this dispute. According to the FDCPA, you are required to provide the requested documentation within 30 days of receiving this notice. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2017-11-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC (CA)

A company named Monterrey Finance calls and leaves recorded messages saying " this is an attempt to collect a debt if you are not the person we are calling then do not listen to this message. '' Then the recording starts over and adds " call us back today '' I have answered the phone and the recorded message continues. 
I have answered the phone and pressed the # 1 to find out what it is about and the recording continues. They call every day but I have been erasing the messages after my attempts to contact them have n't worked. 
I have erased the days other then the two stated since I did n't plan on filing a complaint until today. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2017-11-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (CA)

FCI lender services is accessing my loan with continued illegal attorney fees and breaking California collections practices and foreclosure laws. I have attempted to resolved this matter when {$600.00} worth of illegal attorney fees were accessed on my mortgage and I was told it was because I was 60 days late. This was proven to be untrue and the fees had to be removed, only after I threaten legal action. But recently the lender has placed {$1500.00} in attorney fees and placed my loan in pre-foreclosure on XXXX XXXX, XXXX, I was only due for the month of XXXX 's payment. I received the attorney letter dated XX/XX/XXXX from XXXX, XXXX XXXX XXXX, my loan was due for XX/XX/XXXX payment, this lender hired this attorney to produce a letter for my loan which was not even 30 days late at this time. On my previous complaint case # XXXX, the representative for the lender ( XXXX XXXX XXXX, XXXX stated fees should not be access unless the loan is 60 days late and the investor was advised of the inadvertent error and the XXXX fees were removed, but they have chosen to continue doing it and have now accessed {$1500.00}. FCI lender services is still practicing in a unlawful manner for this private lender.
Consumer complaint received 2024-08-28
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: Experian Information Solutions Inc. (NC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

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
Consumer complaint received 2024-10-17
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. (OH)

I've been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports that I did not benefit from. I need these fraudulent accounts removed IMMEDIATELY AND PERMANENTLY. I also see reported late payments on open accounts that I have been paying ON TIME. I was affected by economic and pandemic disasters, and was a college student at any time I made or had late payments. Please remove these ASAP as well.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. 

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2017-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I was approved for the credit card on XX/XX/XXXX for {$2000.00}. To day is XX/XX/XXXX. I went in to the bank to see what was taking so long to get my card. I was told it 's because of my credit score. my credit score is at XXXX. To qualify for a bank credit card your credit must be at XXXX. I FEEL LIKE I BEEN LIED TO '' AND DISCRIMINATED AGAINST AS A XXXX MAN ...