davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, 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. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, 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. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (MD)

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, I am exercising my right to request that you stop all communication with me regarding the alleged debt. I am not a third party nor a credit company.

Additionally, it is important to note that under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, it is unlawful for third-party entities to report or collect on debts without proper authorization and compliance with the law. The FCRA requires that any reporting of credit information must be done in accordance with the consent and accuracy provisions of the Act. Therefore, the purchase or reporting of debt by your company may be in violation of these provisions if proper procedures and authorizations were not followed.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NY)

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : XXXX  XXXX and XXXX  XXXX
Consumer complaint received 2024-09-09
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : USAA FEDERAL SAVINGS XXXX
Consumer complaint received 2022-02-07
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I disputed an unauthorized charge that appeared on my XX/XX/2021 statement. Capital One failed to research my dispute and continues to report missed payments because I refuse to pay for this unauthorized charge.
Consumer complaint received 2022-02-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have never opened an account with XXXX XXXX yet there is a charge off account on my credit report stating that i owe {$50.00} when I never opened an account with this company. I shouldn't have false information on my credit report and i dont believe i should be penalized for inaccurate information. The bank information is XXXX XXXX XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX.
Consumer complaint received 2024-09-26
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. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$340.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXXXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (MI)

In XXXX of 2024, I was behind in my loan agreement and called to set up some payment arrangements. After talking with a supervisor, she set me up with an arrangement which consisted of a payment of {$340.00} for XXXX  months. I was in agreement and I had to pay {$25.00} to get this started, though it seemed odd because I had just paid them {$300.00} a few hours before. I have been continually making these payments for the last XXXX months and when I logged into my account I noticed that my payment arrangement was no longer showing on the account. I also noticed that they continue to charge me a {$13.00} late fee. I called them and wanted to know what was going on with my account and was told that I would have to do another arrangement and that even though I had just made a {$350.00} payment I would need to pay another XXXX to set this up.I asked to speak with a supervisor and was given the run around that they weren't available and they would call me back in XXXX to XXXX hours. This has happened before and the supervisor never returns the call and I have to call them back. With what they are doing my vehicle will not be paid off in the XXXX  months I was originally told it would be because though my monthly payment brings the balance down it goes up at the same time with the late fees they continue to charge. And I shouldn't have to pay an additional {$25.00} to make arrangements that were set back in XXXX because they say their arrangements are only for XXXX ( XXXX ) months though I wasn't told that in the beginning. I live on a fixed income of XXXX and I agreed to {$340.00} for XXXX  months not lets renew this every XXXX  months at an extra {$25.00} I don't have. That and they shouldn't continue to charge late fees that will put me past the XXXX  months to XXXX or XXXX at an additional cost of almost {$600.00}.
Consumer complaint received 2024-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (WI)

My identity was stolen in XXXX by someone I knew. He ran up credit card debt under my name. All credit cards but one, discharged the amounts as fraud. I did not know that this account had stayed active until I received notifications from two different collection agencies, 3 separate times ( XXXX, XXXX, and XXXX ). I informed and proved to these collection agencies were fraud, they closed the accounts. What I didnt realize is that this debt immediately returns to Affirm. I noticed a ding on my XXXX credit report about a month ago and so I called Affirm to find out what was going on. The person on the phone said we cant tell you anything as you dont have an account here. So, I filed an official dispute with both XXXX  AND Affirm. I sent the original police report, the conviction of the person who stole my identity and the charges. Affirm came back to me and said no you owe this money..you waited too long to tell us and this account was clearly opened by you per your name, address, SS #, etc Yes, that information was STOLEN!. They are officially harassing me at this point. STAY AWAY from AFFIRM!! They will bully you.
Consumer complaint received 2024-09-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (VA)

I have a HELOC with Specialized Loan Servicing ( SLS ), now XXXX XXXX. I'm going through a process to close on a different property, and the HELOC company has not provided the requested information, does not reply to emails and messages, and their " contact us '' phone number is now out of service. 

It is impossible to get in touch with this bank. If I wanted to payoff this loan, I would not be able to since they do not respond, answer, or allow customers to communicate with them. 

This is preventing me from completing the necessary documentation for the closing of a new property.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC. ()

I am a XXXX XXXX living outside the XXXX. 

In XXXX, I opened a Money Market Savings account at what was then XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. I deposited money for my retirement years, and left it there, untouched. For 22 years, I have been receiving a monthly interest and monthly statements. 

In XXXX, First Citizens Bank took over my old bank. Suddenly, in XXXX, I stopped receiving monthly statements. I emailed First Citizens about the missing statements, and they replied as follows : " A monthly statement has not been produced for your account ending in XXXX because it is currently in an inactive status. Your account will go into an inactive status when there has not been any account activity within 12 months. In the inactive status, a statement will only be produced semi-annually. Your statement cycle will resume once there has been activity on your account. If you would like to have your account be made active again, please contact your local branch or make a deposit or withdrawal from the account ''. 

What? 

For 22 years my account was happily " active '' and now suddenly First Citizens decides it is inactive? 

THIS AND MORE : FIRST CITIZENS MADE MY ACCOUNT INACTIVE WITHOUT EVEN CONTACTING ME FIRST AND GIVING ME A WARNING! 

But I had more urgent things on my to-do list then, so I wired money from another bank and paid a large wiring fee. 

This year, in an attempt to preempt the problem, I emailed customer service and asked them to verify that my account will not become inactive again. Once again, I got the usual robotic response : " Your account will go into an inactive status when there has not been any account activity within 12 months. If you would like to have your account be made active again, please contact your local branch or make a deposit or withdrawal from the account ''. 

Mind-bogglingly, please note that a mere XXXX months ago, I filed a complaint with the CFPB against First Citizens Bank ( COMPLAINT ID XXXX ). My complaint was found justified, and the bank had to apologize. And now they have the nerve to claim that my account will become inactive because there was no account activity within the last 12 months!
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (VI)

I am submitting this complaint regarding a fraudulent debt reported by CREDIT ACCEPTANCE CORPORATION ( creditor ) under account number XXXX. I was never notified about this debt via mail, nor was I given the opportunity to dispute it, which violates my rights under multiple federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ).

Details of the Violations : 1. Failure to Provide Notice ( FCRA Violation ) : Under 15 U.S.C. 1681g of the Fair Credit Reporting Act ( FCRA ), I am entitled to written notification of any adverse information reported on my credit report, including details about the alleged debt. CREDIT ACCEPTANCE CORPORATION failed to provide me with this notice, depriving me of the opportunity to dispute the debt, which is a violation of my consumer rights. 
2. Fraudulent Debt Reporting ( FCRA Violation ) : The debt in question is fraudulent. Under 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ), no entity has the right to report information related to identity theft or fraudulent activity on my credit report without my permission. I did not authorize this debt to be reported. The fact that it appeared on my credit report without proper validation or authorization is a violation of my rights under the FCRA.

3. Failure to Validate the Debt ( FDCPA Violation ) : Even though CREDIT ACCEPTANCE CORPORATION is a creditor, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), they are required to validate any debt upon my request. I have not been provided with sufficient proof of the alleged debt, which violates this provision.

4. Violation of the Truth in Lending Act ( TILA ) : Under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), creditors are required to provide clear disclosures of all terms associated with a loan or credit agreement. In this case, no such disclosure was provided, further supporting that the debt is fraudulent. The failure to provide the required disclosure documents violates TILA regulations.

5. Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP Violation ) : Under the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5531 ), creditors are prohibited from engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ). Reporting a fraudulent debt without providing proper notice or validation constitutes an unfair and deceptive practice, causing harm to me as a consumer.
Consumer complaint received 2022-02-07
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: Experian Information Solutions Inc. (NC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AP)

On XX/XX/year>, at XXXX ( XXXX XXXX XXXX ) I made an extra payment to my banking institute, USAA towards my credit card. I have a recurring monthly payment of XXXX dollars and wished to make an extra, additional payment of XXXX dollars. I expected my total for this month to be XXXX dollars unless I made another additional payment. However, when I reviewed the upcoming automatic payment it showed that my next payment would be XXXX dollars and not the XXXX I had planned for. This means that my expected monthly payment for that month was much less than what I had desired and directed the bank to do. 

When I contacted my bank and asked about this, they simply said that this is how there monthly payments are set up. They informed me that if I wanted to make additional payments over the set automatic payment I would have to make the manual payment greater than the automatic payment ( which would end up canceling my automatic payment for that month ). 

I find this practice rather predatory towards individuals with debt or recurring payments since their overall payments will always be less than they had expected when they make additional payments. The bank does this to trick their customers into retaining debt for longer amounts of time.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (IL)

Amazon ( Synchrony Bank ) approve me of a {$1000.00} crediti limit. I have paid my credit card on time and had no issues with my card as far as delinquincy. just a week ago, I received a notice of a REDUCTION in my credit limit. I contacted them and I was told that due to other limits from other cards, inquiries and amont owed, they reduced my credit limit. I explained that I am in grad school and that's why I have that amount on my Report. I aked why are they going into my credit report when they already approved of me for the {$1000.00} credit limit, I am in good standing but because of another creditors amount ( Dept of Education ), My credit limit has been reduced. She then said oh, it's also too many inquiries? I said how? they only way you could know that if you the one pulling my report as the inquiry! They used false marketing strategies for people to apply for their card, start a consumer with a higher approved limit of {$1000.00}, just to after a couple of months, drastically reduce to {$350.00}, and go back to pull inquiries unknowingly. This is no fair and have no right to do that! It's fauldy with these tactics to have people sign up for a credit card, to only drastically reduce their credit limit-oldest scam!!! I want my credit limit restored, especially since i paid my credit card on time.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (TX)

This company is violating my rights, they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I have made previous attempts with them directly to fix these issues. They are violating my rights and I am entitled for every violation listed {$1000.00} each, they would have to either pay me or delete these accounts ASAP.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MN)

XXXX - Received email stating my XXXX XXXX XXXX had been reported lost/stolen from Synchrony Bank XXXX I did not report it stolen and I physically had all cards. I contacted customer service via phone call several times on between XXXX XXXX : Call # XXXX : Informed rep that I received the email and stated I didn't request it so please undo the request. She replied that was not possible. I asked who reported my card was stolen. She said an " unknown caller '' earlier on XXXX. I asked how they verified it was a legitimate request and she had no legitimate answer. I asked what would prevent me from calling in to report someone else 's card stolen without a verification on their end. No response. I asked to be forwarded to a supervisor. Was told I could speak with fraud department. Call # XXXX : Forwarded to the fraud department and was hung up on. Call # XXXX : Contacted fraud department again. They could not share details but mentioned that it was because of some charges I disputed ... .these charges were over 3 months old and their response was conflicting with the " unknown caller '' described in Call # XXXX. Call # XXXX : Contacted normal customer service rep again. Spoke to a new XXXX She requested full verification of my information to confirm identity before speaking to me. This is the first time in any call where my identity/data was fully verified before share details with me. She also had no answers but seemed surprised that none of the other calls had verified me. XXXX - I typed a letter describing the above and expressed my concerns that they had shared my data with an unknown caller and were reporting as lost/stolen to cover their failed processes. I demanded they execute investigation and provide me with a response on the root cause and how they were going to prevent the problem in the future. XXXX - XXXX follow up saying they received my correspondence and they'll review as soon as possible. I have not received additional reply since. In unrelated issue I had disputed charge in XX/XX/year> and then later noticed it had not been addressed. I messaged customer service and submitted another dispute form. They stated they had error in logging the dispute. All of these things add up to failed business practices and protections for consumer data and information.