davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing a formal and urgent complaint against XXXX XXXX  regarding their obvious disregard for the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has severely damaged my credit score and financial standing. This has caused me significant hardship, including difficulties in obtaining credit, higher interest rates, and considerable stress and frustration. The irresponsible actions of XXXX XXXX have resulted in undue harm to my financial reputation and stability.
Consumer complaint received 2024-09-30
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: Exeter Finance, LLC. (PA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 USC section 604 ( A ) sec 2 a consumer reporting agency cant furnish my account without my written consent. I have a charged off account from Exeter Finance LLC XXXX XXXX XXXX XXXX, TX XXXX. Under 15 U.S. Code 1681b, a consumer reporting agency may only furnish a consumer report under certain permissible purposes, such as a valid application or an account review. I assert that there is no permissible purpose for the reporting of this charged-off account under my credit profile. Therefore, I demand that this account be deleted from my credit file immediately. Additionally, I request that you provide me with the following documentation to substantiate any claim of permissible purpose : XXXX. Evidence showing that I consented to or authorized this reporting under the FCRA. XXXX. Any agreements or contracts that prove a legal basis for the continued reporting of this charged-off account. If you can not provide adequate documentation, this account must be removed from my credit report without delay. Please consider this as a direct dispute and take action to correct this inaccurate reporting within the timeframe stipulated by federal law.
Consumer complaint received 2024-09-30
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: ID Analytics, Inc. (IL)

Company is knowingly and falsely reporting information to be accurate, consistent and complete in an attempt to keep erroneous information on my credit file, in violation of 15 USC 1681s-2 ( b )
Consumer complaint received 2024-07-30
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)

I am writing to dispute the inclusion of an inaccurate account on my credit report. The account in question is as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Balance : {$8700.00} The information related to this account is inconsistent across the three major credit bureaus. If this information is accurate and true, and all information is being provided by the same data furnisher, then it should be consistent across all bureaus. These discrepancies are a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Despite several attempts to have you correct the errors on my report, this issue remains unresolved. Consequently, I have escalated this to a factual report based on my own investigation. All my reports have been duly documented and saved, along with your failure to correct and delete the inaccurate accounts. 
The factual report of inaccuracy is as follows : If one credit bureau shows a significant gap with no data ( ND ) while another ( yours ) reports data during the same period, the accounts should be consistent across all bureaus if they are reported by the same data furnisher.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing a complaint against XXXX  XXXX Card regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing to formally lodge a complaint against XXXX XXXX regarding an erroneous account on my credit report. This complaint is made due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). I have discovered that the above-mentioned account is being reported inaccurately on my credit reports from the major credit reporting agencies. This incorrect reporting has negatively impacted my credit score and caused me significant distress.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FinCo Services Inc DBA Current (NY)

Current closed my credit building account without my permission and they refusing to re-open my credit card account and there customer service is making false statements that I contacted them in chat and requesting to close credit builder account because the fact that current app doesnt work on my device and they terminated my credit Builder account 2023 without my permission or a notification this bank is bad and they are not allowing me to open a new credit card account and also holding my advance funds to release on my checking account this company is terrible and they are blaming me that terminated this account and added false notes on the account that I closed the credit Builder account
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2015-12-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

I cancelled my Macy 's credit card account in XX/XX/2015. Today, I got an e-mail telling me I have a balance of {$2.00} for " minimum interest charges '' even though I have had a XXXX balance for a month. I have confirmation from a customer service rep ( attached ) that my account was closed as of XX/XX/2015. 1-How can they charge interest on a zero balance and 2- How can I owe them money on an account that was closed a month ago? Please help.
Consumer complaint received 2024-09-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CITIBANK, N.A. (NJ)

XXXX XXXX, XXXX XXXX and XXXX XXXX was working with Citi Bank to be approved for a Mortgage for a co-op to buy. Citi bank requested a lot of documents, and took us on over a 1 year process to just deny us the loan. XXXX XXXX requested the loan by herself, was denied, than added her son in law, with XXXX XXXX being on the deed. Everything was verified, we had to get paperwork notarized explaining the relationship between everyone, which should not matter. Eventually we were denied and approved by another mortgage company that only took use 3 months to approved.
Consumer complaint received 2015-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (FL)

XXXX/XXXX/2014Honorable XXXX XXXX : Hello. I would like to speak with you about the Florida Hardest Hit program ( FHH ). 
Florida Hardest Hit program seemed at first to be for the benefit of those hardest hit by the mortgage crisis but, as I looked at the formula for qualification, I realized this was just another form of TARP. I filed for an appeal ; was referred up the chain of command till I came to the office of XXXX XXXX. I made several calls over several days, to XXXX office and I was disconnected ; put on hold for prolonged periods ; and told that I could not talk with her. I do not believe this to be the American way, and would like your help to ferret out the truth. 
" Truth will ultimately prevail where there are pains to bring it to light. '' -XXXX ( XXXX ) I have documentation to include email correspondence with the Florida Hardest Hit program to support, what I hope will be your attempt to verify this program. 
My hope is ; investigating the FHH program, will be good for you, me, and the Democratic Party.I have stopped by both your XXXX office and your XXXX XXXX offices to offer my support. Best of luck with your upcoming election. 
Sincerely, XXXX XXXX, XXXX XXXX : Hello. XXXX XXXX XXXX has referred me to you regarding my case. I have forwarded correspondence as background information for you. 
At this time I would like to register my feeling that without consideration of the individual 's down-payment, Florida 's Hardest Hit falls short of helping the people of Florida. 
Thank you for your time and consideration of my case. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-07-29
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (WA)

Theres a fee for declined transactions on this card. One transaction was declined and instead of getting charged XXXX dollar i was charged XXXX. I know a fee of XXXX dollar is not alot however i dont think it should be enforced. The netspend prepaid debit card sucks! They have fees for things that arent completely in your control. I can not get a new card or set up direct deposit with my employer because this is the only form of payment they offer. Im greatly annoyed and dissatisfied with their service.
Consumer complaint received 2024-07-29
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NC)

My card was charged XXXX something dollars and I never knew this card came with a late or what ever its called. If I dont have the money why keep charging my card. You dont know if that was my last. I have other things to take care of but I cant because I was unaware until my money went missing. I need a refund or something. Yall keep doing this and I thought it was a mistake but no. The stuff yall tryna charge me for I dont have or use anymore.
Consumer complaint received 2024-07-24
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. (NJ)

My car loan with credit acceptance has been paid off.After speaking with credit acceptance over the phone they have verified that my loan is paid off and that the car was not repossessed.experian refuses to take the repossession off my credit report.This has been negatively impacting my credit score.The loan is XXXX percent paid off and the car was never repossessed.Insurance company paid for the car and the remaining balance was paid when the car was auctioned.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Deinde Online Services, LLC (MS)

A predatory lender, XXXX, showed up on my credit report as being in collections. They apparently sold the debt to XXXX who has my phone number because they have tried calling me and have sent one text offering to settle for half of the amount XXXX and XXXX claims is owed. 

I've never taken out a personal loan in my life, I've never applied for a loan with XXXX, I never received any paper bill or statement, no email, or phone call for this loan, and never received any money from XXXX. This is fraudulent and has functionally turned into extortion with a debt collector reporting me to credit bureaus and demanding repayment. 

The credit bureaus, and others, would like supporting documentation which is impossible for me to provide since I never applied for this loan, never received any money, and never had this listed on my credit before XXXX reported this as being in default. So no documentation exists. Someone used my identity to get money and now I'm stuck with trying to clear it.
Consumer complaint received 2024-09-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: GUARANTEED RATE INC. (OH)

The old mortgage company was XXXX XXXX XXXX and out mortgage was sols to RATE MORTAGE. 

It was purchase for the face value and not there trying to get the money for the old company late fees that not right. 

The past late fees should be waived and the montage should stand with a fresh start their just trying to put the squeeze on the little guy. 

i would like some help to take care of this what their doing is wrong and bad business. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THANK YOU.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America Customer Service Department Subject : Formal Complaint - XXXX  Account Closure and Technical Issues Impacting Credit To Whom It May Concern, I am writing to express my utmost dissatisfaction and concern regarding the series of events that have transpired with my Bank of America accounts, which I believe are retaliatory and causing significant harm to my credit standing. 

Previously, I filed formal complaints against Bank of America due to failure to investigate fraudulent transfers from my account. Following these complaints, all of my accounts were abruptly closed. And later, my credit card. While I understand account closures can occur, the subsequent events have raised serious concerns about potential retaliation and unethical practices. 

Specifically, I have been consistently unable to reset my password for online banking access. This has prevented me from managing a credit card account that, despite being " closed '' by Bank of America, continues to accrue interest every month. This ongoing interest accrual is directly and negatively impacting my credit score. 

I have made numerous attempts to resolve the password reset issue through customer service, but to no avail. I am convinced that this technical difficulty is not a mere coincidence but a deliberate obstacle designed to prevent me from accessing and managing my account. 

This situation is not only causing financial harm but also immense stress and XXXX. I am deeply concerned about the long-term consequences for my credit health. 

I urge you to take this complaint seriously and conduct a thorough investigation. I believe my experience exemplifies a pattern of retaliatory practices and technical manipulations aimed at harming customers who exercise their right to voice grievances. 

I expect a prompt and comprehensive response addressing each of my concerns. Failure to do so will leave me no choice but to pursue further action, including legal remedies and reporting this matter to regulatory authorities. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-01-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Atlanticus Services Corporation (NY)

Fortiva Retail Credit does not provide monthly statements to show amortize principal and interest. Only online service to review account but no details, Spoke numerous times to creditor who reluctantly states no statements issued or yes we will mail statement and never get one. My complaint is true breakdown of my personal loan. Misleading practices is my complaint. 

Contact information : FORTIVA RETAIL CREDIT XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX
Consumer complaint received 2015-12-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I OBTAINED A PRIVATE STUDENT LOAN FROM XXXX XXXX TO HELP WITH SOUTHWESTERN LAW SCHOOL IN XXXX XXXX. ABOUT A YEAR AGO XXXX XXXX AGREED TO GIVE ME A 12 MONTH FORBEARANCE DURING WHICH TIME I DID NOT HAVE TO MAKE PAYMENTS. THE FORBEARANCE ENDED EARLY AND I WAS NOT NOTIFIED. I CONTACTED NAVIENT, WHO AT SOME POINT DURING THE FORBEARANCE PERIOD TOOK OVER FOR XXXX XXXX. I SPOKED TO A FEW REPRESENTATIVES ON XXXX/XXXX/15 AND THEY AGREED TO EXTEND MY LOAN BY 20 YEARS. THAT SAME DAY, I MADE THE FIRST PAYMENT WITH MY CREDIT CARD. A WEEK LATER I GOT A CALL FROM A REPRESENTATIVE WHO TOLD ME NAVIENT WOULD NOT HONOR THE AGREEMENT. I RELIED ON THEIR REPRESENTATION THAT WE HAD AN AGREEMENT. THIS RELIANCE WAS TO MY DETRIMENT. THEY WERE DISHONEST WITH ME, IN VIOLATION OF THE FDCPA.
Consumer complaint received 2024-11-06
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I submitted a dispute to transunion for wrong amount reported on my credit report. I submitted court documents that stated I owe a different amount. However, transunion will not change the amount that is being reported on my credit report. Also, my wages are being garnished and transunion is showing that I am not making payments.
Consumer complaint received 2016-01-28
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: RSI Enterprises, Inc. (AZ)

RSI ENTERPRISES IS TRYING TO COLLECT XXXX DEBT FROM XXXX XXXX XXXX, THAT HAS A BALANCE OF XXXX THEY HAVE ENTERED XXXX SEPARTE COLLECTION REPORTS OF XXXX,XXXX,XXXX AS OWED ACCOUNTS. I HAVE A STATEMENT FROM XXXX XXXX SHOWING XXXX, THIS BALANCE IS FROM MY HEALTH INSURANCE COMPANY FAILURE TO PAY THEM.