davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (AR)

On XX/XX/XXXX I deposited a {$300.00} check from my XXXX XXXX   checking account into my US Bank checking account which cause US Bank to close my checking account. The check from XXXX that I deposited I thought it was a check from my open checking account with Regions but come to find out it was a check from my closed account, it was simply an error on my part and I had no intentions to defraud US Bank of whom I have held a checking account with for years. On XX/XX/XXXX I had well over {$300.00} in my US Bank checking account. Ever since I filed bankruptcy on XX/XX/XXXX I have had nothing but problems from US Bank. They closed my checking account back in XXXX that I held for years due to bankruptcy and made me open a new checking account. In which I opted out of overdraft protection but US Bank has charged me numerous overdraft fees when clearly I had a positive balance.XXXX XXXX I went into the US Bank branch and they informed me that my checking account would be closed due t the return {$300.00} check and no other transactions could me made on the account. I informed them I was excepting a deposit from the school and US Bank said they would send it back. On XX/XX/XXXX US Bank accepted my deposit of {$1200.00} from the school. The total amount that is in my checking account is {$2000.00} and US Bank refuses to give me my money. I have spoken with the branch manager, XXXX several times and he told me that I can't get my funds until XX/XX/XXXX. I have no pending tranactions and I don't owe US BANK any money. I need them to release my {$200.00} immediately. I have been a customer of theirs for years and a {$300.00} return check does not warrant what this bank is doing to me. I have been a customer for years! Also on XX/XX/XXXX they charged me a {$36.00} overdraft fee when clearly I had a positive balance. I have bills and need my money released to me today!
Consumer complaint received 2019-08-12
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: SYNCHRONY FINANCIAL (NY)

I have a loan with SYNCB/PAYPAL CREDIT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SYNCB/PAYPAL CREDIT with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CA)

I was cyber hacked and was notified by XXXX XXXX after the faxct once i started multiple disputes of identity fraud including XXXX  XXXX then equifax said i was a victim of cyber incidemt on XX/XX/2019
Consumer complaint received 2019-08-12
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX and CAPITAL ONE BANK USA with no successful resolution. XXXX and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-09-13
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: CITIBANK, N.A. (GA)

Made a car rental reservation [ Rental Agreement # XXXX, XX/XX/XXXX pick up in XXXX, XXXX ] directly with XXXX at the XXXX website ( i.e. NOT a 3rd party website ). Contract showed price of XXXX euros. At time of pick-up, I noted the charges detailed on my rental agreement were incorrect and I questioned it, and was told, " that is just a hold on your credit card in case you don't return the car on-time, full fuel tank, or other misc. charges. It will " wash out '' when you return the car ''. 

When I returned the car, the check-in statement showed XXXX euros -- an overcharge of XXXX euros. I've provided detailed info several times to Citibank. They've provided several responses from XXXX -- none of which makes sense. I can not identify all of the XXXX euro overcharge, but the main item is XXXX euros for " liability insurance ''. My XXXX rental profile clearly states that I decline any XXXX insurance, including liability [ my credit card provides this coverage at no cost ]. Even more confusing, a document provided BY XXXX to CITIBANK and forwarded to me today is a document that I signed at the time of rental stating : " Acknowledgement of Liability : I have decided NOT to purchase Collision Damage Waiver, Theft Protection or Damage Excess Reduction. I am aware that I am liable for ALL damage to the rental vehicle. I acknowledge that XXXX offered me cover but I have declined ''. Next to both of these statements is a " block '' where I had to place my initials. 

Another block further states : " My liability is for the FULL Value of the vehicle and related costs. '' This section required that I sign my full signature. 

So, XXXX themselves have provided information that proves I declined this add-on cost. It seems that Citibank simply forwarded the documents to me XXXX from XXXX XXXX without even bothering to read them. 

Regardless, how can any company think they can legitimately DOUBLE the cost of a reservation/contract with a customer with unsupported charges!??! 

A further irritation with Citibank is that they provide 4-6 weeks for the company XXXX XXXX XXXX to respond, but allowed me only 10 days to rebut. The most recent letter, although dated XXXX was not received until XX/XX/XXXX, and requires my reply by XX/XX/XXXX. U S Postal Service from XXXX XXXX SD to XXXX GA is 3 days ]
Consumer complaint received 2019-08-12
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: Navient Solutions, LLC. (NV)

I have a loan with DEPT OF ED/NAVIENT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and DEPT OF ED/NAVIENT with no successful resolution. XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NY)

On XX/XX/2019 I received an email from a XXXX notifying me that there was a derogatory mark on my credit report. It says that I owe {$1200.00} to a company named LVNV Funding which I have never heard of. I was not notified of this prior to the derogatory mark nor was I given any information about this company. I wasnt given a chance to dispute either.
Consumer complaint received 2019-08-12
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: Bridgecrest Acceptance Corporation (CA)

I have contacted Bridgecrest twice about their reporting a late payment for a vehicle of mine that was totalled XXXX XXXX XXXX XXXX XXXX and covered by their XXXX policy. The vehicle was totalled in XXXX of XXXX and I notified Bridgecrest within a week about the vehicle 's status and to start the XXXX insurance claim. A late payment was reported to the three Credit Reporting Agencies for XX/XX/XXXX despite the fact they were informed the vehicle was totalled and would be paid for by XXXX insurance.
Consumer complaint received 2023-11-08
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: EQUIFAX, INC. (NY)

On XX/XX/2019 an inquiry was reported to my consumer report and I didnt no authorize that inquiry. My private information was reported to equifax, XXXX and XXXX without my consent and that is a form of identity theft. Furthermore I called equifax and and they did not adhere to any of my complaints. I called XXXX and spoke to XXXX ID # XXXX and she told me she is a not a credit bureau specialist and doesnt know why I was never sent a 1099-C form for my alleged charge-off. I asked XXXX was her company a furnisher of information and she replied yes. So I asked her does she know 15 USC 1681s-2 responsibilities of furnishers of information to consumer reporting agencies and she told me no. I repeatedly asked why I never received a 1099-C form for this alleged debt and she had no response.
Consumer complaint received 2019-08-12
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: Experian Information Solutions Inc. (TX)

I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not late '' but it recently came back as verified..The 30 days late payment is not correct and yet you could not substantiate its representation..You have provided information while knowing or having reasonable cause to believe that the information credit bureaus have provided was inaccurate. This is why I am filing this complaint, step up CFPB and reverse the late payments on XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-01
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (AL)

I have reached out several times disputing this late payment that is reporting for the month XXXX XXXX on my credit report ... 

I informed the rep my mail was being returned due to them sending the mail to the physical address instead of the PO BOX ... 

I was told on several occasions it takes 30-60 days to see the change corrected - removed ; however, it was never done.. 

Now each time I call they state that it will take an additional 30 days but it still has not been updated and here it is a year later.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Sent this letter to Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX Alleged Original Credit Account Number : Debt Collectors Account Number : XXXX Alleged Debt Amount or Balance : {$2600.00} Dear XXXX XXXX XXXX, I was made aware of your attempt to collect an alleged debt less than 30 days ago. Please be advised that I hereby dispute the validity of the above-listed debt in its entirety. 
I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. 
You are on notice that you are unlawfully attempting to collect the above-listed debt. Cease & desist of all collection activity including reporting to consumer reporting agencies ( CRAs ). 
Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. 
If you comply with my cease collection & deletion request, then you are excused from verification. 
If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. 
This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully investigate this matter and receive any information related thereto. Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer attorney.

In accordance with the fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights according to 15 USC 1681s - 2b of the Fair Credit Reporting Act. There are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting to. I am demanding deletion from my consumer report or else I'm going to pursue litigation.
Consumer complaint received 2019-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not late '' but it recently came back as verified..The 30 days late payment is not correct and yet you could not substantiate its representation..You have provided information while knowing or having reasonable cause to believe that the information credit bureaus have provided was inaccurate. This is why I am filing this complaint, step up CFPB and reverse the late payments on XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (MO)

I have been continuously checking for updates to my account on mohela. I was previously on REPAYE before the pandemic pause so expected to be automatically switched to SAVE. My family size is XXXX and hasnt changed since before the pause. In e the app, my plan does read as SAVE, but my payment due is considerably higher than it was, nearly twice the estimated payment calculated on student aid.gov and when I do the calculation by hand. The customer service rep I talked to was rude and not at all helpful, in fact she suggested it is my fault that I didnt call sooner. I had received the new estimate only days prior! She said the only thing they could do was put me on administrative forebearance and submit a whole new application. She refused my multiple requests to speak with a supervisor. MOHELA has no idea what they are doing and millions of borrowers are going to be negatively affected.
Consumer complaint received 2019-09-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I had a tax refund for an over payment of taxes as I was approved for a XXXX exemption for tax year 2017 forward. I requested the mortgage company to provide a letter to allow the refund to come to me directly. They declined to provide even though they are withholding the maximum amount per law according to my calculations. I have called the loan service provider and submitted multiple requests in writing to provide the refund. The loan provider is now holding my refund in escrow and I have been told that I I will not receive a refund as I have not paid yet for this months mortgage. I believe the company is in violation of the law regarding the maximum escrow withholding. I also think their policy to not allow a refund of this nature to go directly to the mortgagee will many times result in a violation of the law in this area. I am only 13 days behind on this loan, it is unacceptable that I was told I would not be refunded monies owed to me because i was not current.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Trans Union as ofXX/XX/2019 reduce my credit score by 37 points for a auto lease loan Thats my Daughters Auto Lease Loan Not mine Now as Im in the process of moving my realtor tells me the mim score has to be 640 I said yes I'm over that but after checking Trans Union lowered my score 37 points making it impossible for me to move as needed for health reasons Because if a Auto Lease Loan thats my Daughter XXXX XXXX Not mine
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/2018 opened acct with XXXX XXXX XXXX I had my own personal insurance on the loan XXXX XXXX took out their own insurance & didn't notify me, then credited it back but repossessed my car. I have several documents XXXX XXXX XXXX has changed their amount several times on me but credited back {$1800.00}.
Consumer complaint received 2019-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aspen National Financial, Inc. (IL)

Hello, I have noticed that the debt on my credit report keeps increasing. I have called multiple times for verification and have not received calls/emails/mailed correspondence. The debt began at {$350.00} the {$510.00} and now {$590.00} for maintenance dues for timeshare that I have not owned in more than a year and yet the debt continuously increases. The company has not sent any correspondence though I have asked for verification. I have called multiple times reaching out to Mr. XXXX and each time was unavailable and did not verify the amount or validity of the debt which I stated if verified I would pay, This has not been provided.
Consumer complaint received 2019-08-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

I received a letter from Midland credit management company XX/XX/2019 with a threat to forward my debt to a lawyer. If I did not pay XXXX I repeatedly get phone calls from this company. I have never opened an account with this company. I have never signed a contract or opened credit with them. I am currently working on a credit valatiion letter and a cease to contact. They continually call. I want them off my credit reports as well. Companies should not have so much power to try and scare you into paying them. Everyone has problems in their life. Making threats to sue or jail seizing property is ridiculousle Than you for your help
Consumer complaint received 2023-06-09
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. (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so all relevant items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused to me. My information was also i pacted by the XXXX data breach and may have gotten into the hands of the wrong person.