davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
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. (WI)

These accounts were not authorized by me and are a result of identity theft. I have taken steps to address this issue by submitting an identity theft affidavit to the Federal Trade Commission ( FTC ). Please update my report, and remove these items from my report.
Consumer complaint received 2024-10-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (WI)

In XXXX of XXXX, I was sent email notification of a private student loan serviced through American Education Services. Upon reviewing the information of debt, I proceeded to contact the service provider for this private student loan. At that time, I informed the service provider that I was diagnosed with XXXX XXXX in XXXX of XXXX and XXXX XXXX XXXXXXXX and am subsequently unable to pay the total amount requested. When I inquired about a payment plan, I was informed that the loan has been without payment for 2000 days. Due to illness and death of a parent, I did not know that this loan was seeking re-payment. 
American Education Services informed me on XX/XX/XXXX that their is no XXXX deferment or payment plan option for this student loan. Upon researching my options, I noted that a death discharge is the unfortunate but only means of not being taken to collections and jeopardizing my career, physical health ( as I am actively in XXXXXXXX XXXX  ) and financial stability. 
At presenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  while XXXX XXXX and I simply can not afford to pay off this private student loan. I am concerned about the ramifications of not being able to pay the loan on the status of my medical license and my ability to meet basic care needs. 
I would appreciate any assistance with this matter as the stress is impacting my physical health and response to XXXXXXXX XXXX
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OK)

citi bank and citi bank XXXX XXXX XXXX, one is due on the XXXX of the month and my bank XXXX XXXX XXXX snail mails checks to them, my social security check arrives in my account on the XXXX each month. The first card payment is due on the XXXX and was received on the XXXX the second was due on the XXXX and my bank said it was paid to them on the XXXX and both payments to both cards go to the same address. I received emails and phone calls from the credit card company telling me they had not received payment on time so I called my bank and they confirmed they had sent the payment on the XXXX, all things being equal they should have received it and posted no later than the XXXX yet the second payment was posted 9 days past due. They wanted me to give them my checking account number and let them debit my account but I refused. I asked my bank about canceling the payment already in route in case the mail was lost or stolen but they advised waiting a few more days. Low and behold 2 days later the original payment made 11 days earlier was received and was posted to the account. This struck me as very odd since they both go to the exact same address. Both of these cards currently are 0 % interest now. I was charged a late fee. I recently attempted to take out a EOCL To consolidate all my credit card debt and even though I have a very good credit score my loan was turned down. In my opinion it was because of the late payment and fee. sign XXXX consumer!
Consumer complaint received 2017-05-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST (IL)

On  XXXX   XXXX ,  XXXX , My husband and I went to   XXXX   XXXX   located at  XXXX   XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , to purchase a family van for our son who is  XXXX . The price of the vehicle including sales tax was {$70000.00}. We traded in our car, which they valued at {$19000.00} and we also put a down payment of {$8700.00}. I started making payments on  XXXX   XXXX ,  XXXX  of {$670.00} as per the agreement. In the months to follow I noticed that the principal is not reducing the way it should. I called the finance company Bank of the West  (  Address   XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , Phone  XXXX  ) on  XXXX   XXXX ,  XXXX  and requested a transaction history due to not seeing the balance reduce. Also called  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  until they were finally able to send an amortization table. In review it seems that the fixed interest of 5.50 % is not fixed and has been fluctuating. I called once again  XXXX   XXXX ,  XXXX  and spoke with Customer Service representative  XXXX  who stated that there is a Per Diem of 8.23 % and questioned her what is a Per Diem and why was it not explained in the contract. She stated all car loans have a Per Diem the call disconnected. Called back the  XXXX  and spoke with another customer service representative  XXXX , and she was not able to locate anywhere on the contract that a Per Diem would be charged, she then ask ed her manager a nd he stated that the Daily Per Diem is not listed on the contract due to the Daily Per Diem changing each day. I do not find this to be good practice, this should have been disclosed. Also on the contract I noticed that the vehicle we traded in was not included as part of the down payment, they have yet to explain the reason. We purchased the vehicle for our son because he needs accessibility and mobility, it is hard for me to carry him on and off the   XXXX    for school  and Dr   XXXX  Appointments and family outings, for this company and finance company to take advantage of such a delicate situation is outrageous.
Consumer complaint received 2024-08-17
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2017-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I filed a complaint with XXXX and XXXX on XX/XX/XXXX andcXX/XX/XXXX due to Capital One keeps not reporting fairly. Each month they either skip or report information from the month before billing cycle. I paid Capital One in full on XX/XX/XXXX before my bill cycle ended and they have I owe them {$77.00}. The last time my credit report shows Capital One reported my account balance was XX/XX/XXXX. This report was obtained by XXXX on XX/XX/XXXX. Capital One did not report for XX/XX/XXXX and should be reporting for XX/XX/XXXX in the next few days. My account balance on their website shows XXXX owed and {$800.00} available limit but they failed to report this since my last payment. CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$390.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$800.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$77.00} Date Reported : XX/XX/XXXX Amount Past Due : {$0.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : Scheduled Payment Amount : {$15.00} Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 99 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Credit Card Date of First Delinquency : N/A Comments : Consumer disputes - reinvestigation in progress
Consumer complaint received 2024-08-17
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. (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I issued a bill payment to my XXXXXXXX XXXX  saving account out of my Fifth Third business checking account. 
Fifth Third issued a check to XXXX and it posted on XX/XX/year> check # XXXX amount {$1200.00} On XX/XX/year> XXXXXXXX XXXX  sent me a letter that my check was being returned unpaid because the issuing bank was unable to locate the account. They debited the check out of my XXXX savings account and returned a legal copy of the check back to me. 
I went to Fifth Third Bank 's XXXX branch and tried to deposit the check back into my business checking account on XX/XX/year>, but instead they debited it out of my account again. 
Fifth Third instructed me to submit a fraud packet providing all the information which I did on XX/XX/year> case # XXXX. 
Fifth Third sent me a letter dated XX/XX/year> that my check dispute has been denied.
Consumer complaint received 2017-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (KY)

I have sent several letters asking this company to verify my debt and they have yet to send over any documentation showing that said debt. They continue to report this debt to the credit reporting agencies which is damaging my credit. I have the right due to the Fair Credit Reporting Act to request this information and be provided with it in a timely manner. If they fail to do so they should immediately have this taken off my credit report.
Consumer complaint received 2024-10-23
Product: Credit 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: GOLDMAN SACHS BANK USA (LA)

A unknown charge of {$510.00} was charged to my apple credit card ( Golden Sachs ) on XX/XX/year> from a company of XXXX XXXX. I noticed and disputed the charge on XX/XX/year>. I asked the agent for evidence during the dispute process. I received nothing. On XX/XX/year>, the dispute was denied. I resubmitted the dispute because I am totally sure I dont know where this charge came from. I asked for evidence again. A week later I received nothing. On XX/XX/year>, the dispute was denied again with no evidence provided. I resubmitted the dispute. I am not paying for something that I did not authorized! Asked for evidence again, nothing again. On XX/XX/year>, the dispute has been denied again again no evidence. Again, I resubmitted the dispute. On XX/XX/XXXX, the dispute been denied again with no evidence or explanation. I had enough with Golden Sachs as a credit card company.
Consumer complaint received 2024-10-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (KY)

I moved out of this place the same time XXXX XXXX did and she owed nothing as well as I. XXXX remained a tenant for however many months/ years after. She said she had no mark on her credit at all. I haven't ever bother to really look at my credit until recently. The company itself once I bothered to check has a XXXX star rating and multiple claims from people experiencing similar debts popping up on their credit.
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Revco Management, LLC (GA)

REVCO SOLUTIONS sent me a debt collection letter to collect {$670.00} on XX/XX/year>. 

They apparently purchased the debt from XXXX XXXX XXXX  or are collecting this debt on behalf of them. 

I, the consumer and original creditor, never authorized XXXX XXXX XXXX  to communicate with any third party debt collector thus 15 USC 1692c ( b ) was violated. 

REVCO SOLUTIONS designed and sent me a deceptive debt collection form violating 15 USC 1692j. REVCO SOLUTIONS is not the creditor participating in the collection of this debt making this attempt to collect unlawful.

Also, In the letter sent to me, they were 54 words which were very profane and abused me as the reader in which I was very offended by violating 15 USC 1692d ( 2 )
Consumer complaint received 2020-03-23
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: JPMORGAN CHASE & CO. (NH)

On XX/XX/2020 I contacted Amazon.com regarding two packages that had arrived at my home which I had not ordered. After a brief look into the matter, Amazon determine that an outside party had created an account with my name, address, and credit card and I was now the victim of a " brushing scam ''. They cancelled additional transactions that were pending and advised me to contact my credit card company.

I immediately put a hold on my credit card and contacted Chase Bank Card Services due to fraudulent charges that were made on my credit card. I indicated to Chase what the current circumstances were. I went on to inform them that I had received a letter from XXXX prior to these fraudulent charges, informing me of a breach in their system and that there was a potential loss of my personal information. 

Chase put the charges from Amazon on hold and indicated that they would investigate my claims and send me a new credit card. 

A letter dated XX/XX/2020 arrived from Chase indicating that I was responsible for two of the fraudulent transactions that were made because " Merchandise was billed to or shipped to your address ''.

The two fraudulent transactions which Chase is claiming I am responsible for, were for {$18.00} and {$21.00} and the transaction date was XX/XX/2020.
Consumer complaint received 2024-09-10
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. (TX)

XX/XX/year> I was applying for a refinance of my mortgage. I completed the application on the phone with XXXX XXXX . I agreed to have my credit reviewed. Loan officer stated I had excellent credit ( XXXX XXXX ). Within a couple hours I was solicited by another mortgage company via text, they seemed to have all my credit information. I did not authorize the second company to have my phone number, ssn or credit information, it was totally unsolicited. Their website site claims that the information came from Experian. I feel at least its a bad business practice for Experian to share all my information with the second company, how do I know what they are going to do with it or are they going to keep it secure. At worst I think its a violation of the Fair Credit Act.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

I created an account with Venmo XX/XX/XXXX this year to receive payments and the very first person ( XX/XX/XXXX ) didn't know what they were doing and pinged my account multiple times right after. They suspended my account within XXXX hours and closed it after I had received another payment making me unable to withdrawal that payment and told me it would be 180 days on XXXX XXXX. Ok was what it was. Well than I receive an email XX/XX/XXXX and that they are available to transfer. Great. Go to withdrawal and it wont let me. Email to ask. Get a reply that they're escalating my case the XX/XX/XXXX and than they tell me they're waiting on me to send info that they never asked for but we sort that out and send what they asked my bank and id. Finally get a bank account added and it still wont go thru. XX/XX/XXXX get an email saying that my account will remain limited and funds with be held until further notice. XX/XX/XXXX get an email saying the account will be permanently deactivated funds held for 180 days again. So exactly 180 days from when this ticket was made another XXXX suspension? Well continue to contact and XX/XX/XXXX the account has been temporarily adjusted so that XXXX can withdrawal. I try for 2 days and contact about it again and yet again get an email saying Previously recived communication from venmo was a lie. Contacted XX/XX/XXXX to try again and get the same email as previous on XX/XX/XXXX that its not available. So now I'm 255 days since they closed my account without warning with money held from me.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

Furthermore, I would like to mention the following important points : 1. Citi closed the account without justification or notification : - Consumer Protection Law ( LPC ) : Article 12. Financial service providers must inform consumers in writing about any changes to the terms and conditions of the services. 
- Electronic Transactions Regulations ( RTE ) : Article 22. Electronic service providers must inform consumers about any suspension or closure of an account. 
2. All payments were made on time : - Consumer Protection Law ( LPC ) : Article 13. Consumers have the right to receive clear and transparent information about financial products and services. 
- Commercial Code : Article 516. Payments made in a timely and proper manner release the debtor from their obligation.

3. The account was opened when I was living in XXXX as a tourist : - Consumer Protection Law ( LPC ) : Article 15. Financial service providers must ensure that consumers understand the terms and conditions of the services.

- Tourism Law : Article 22. Tourists have the right to receive clear and transparent information about tourist services. 
4. The account was closed in XXXX, during the pandemic : - Consumer Protection Law ( LPC ) : Article 16. Financial service providers must act in good faith and with loyalty towards consumers.

- Economic Emergency Decree : Article 10. Measures are established to protect consumers during the economic emergency. 
5. When I finally traveled in XXXX and requested information, it was not provided : - Consumer Protection Law ( LPC ) : Article 14. Consumers have the right to access information about financial products and services.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-27
Product: Credit 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: SOFI TECHNOLOGIES, INC. (MD)

Subject : Formal Complaint Regarding Illegal Handling of Dispute by XXXX To Whom It May Concern at CFPB, I am writing to formally express my deep frustration and serious concern over the mishandling of a dispute by XXXX. On XX/XX/year>, I filed a formal dispute after several unsuccessful attempts to resolve an issue directly with XXXX XXXX for a charge of {$28.00} on XX/XX/year>. The charge was for produce ( cabbages ) that were later found to be rotten inside and yogurt with many of the cups that were damaged with vertical cracks or unsealed lids. 

Despite providing all necessary documentation and following the dispute process meticulously, I received a voicemail message on XX/XX/year>, from a XXXX agent named XXXX. He stated that the dispute could not be processed because it was a " face-to-face '' " physical '' transaction, and therefore, the dispute was closed. This rationale is completely absurd and illegal under the XXXX XXXX Billing Act ( FCBA ). 

The XXXX clearly mandates that disputes must be addressed, regardless of whether the transaction was physical or otherwise. XXXX decision to close the dispute on these grounds is not only unfounded but also a blatant disregard for consumer protection laws. This mishandling has caused unnecessary stress and inconvenience. 

I am requesting immediate action from the Consumer Financial Protection Bureau ( CFPB ) to rectify this situation and ensure that XXXX properly processes my dispute. I have attached the voicemail transcript from the XXXX agent for your reference. 

Failure to address this matter promptly will compel me to escalate my complaint further. I trust that the CFPB will address this issue with the seriousness it deserves and take swift corrective action.