davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-04
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)

I am requesting a re-investigation of my consumer report using the following : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Subject : Urgent Demand for Removal of Outdated and Inaccurate Items on Credit Report Dear Sir/Madam, I am writing to demand the immediate removal of several items from my credit report that are beyond the statute of limitations. It has come to my attention that despite being time-barred, the following accounts continue to be reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These debts have exceeded the legally enforceable time frame for collections, and their inclusion on my credit report is not only misleading but also violates my rights under the Fair Credit Reporting Act ( FCRA ). I expect your agency to adhere to the precedent set by the court cases : XXXX v. XXXX. XXXX, XXXX ( XXXX ) : This case involved the removal of time-barred debts from a consumer 's credit report. The court held that attempting to collect or report time-barred debts violates the FDCPA, and consumers have the right to dispute and have such debts removed from their credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : In this case, the court ruled that debt collectors must accurately report the status of debts on a consumer 's credit report. If a debt is disputed and found to be inaccurate or time-barred, it must be removed from the credit report in accordance with the FDCPA. In light of the court ruling mentioned above, failure to promptly remove these items from my credit report will compel me to pursue all available legal remedies against your agency for non-compliance with federal regulations and court decisions. I insist on a thorough investigation into these matters and the immediate removal of the aforementioned items from my credit report. Additionally, I request a written confirmation detailing the actions taken to resolve this dispute and the updated status of my credit report. Your cooperation in rectifying this urgent matter is not only expected but legally mandated. Any further delay or negligence will result in legal action being pursued against your agency. Thank you for your immediate attention to this matter.
Consumer complaint received 2024-09-30
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: SYNCHRONY FINANCIAL (NY)

Never gave Amazon consent to pull my credit. Heres a few Violations Amazon committed against me *Federal Laws : * 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 
2. Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m *Regulations : * 1. Consumer Financial Protection Bureau ( CFPB ) - 12 CFR 1002 2. Federal Trade Commission ( FTC ) - 16 CFR 600 *Hard Inquiry Rules : * 1. Permissible Purpose Rule ( FCRA 604 ) : Companies must have a legitimate purpose to inquire about your credit. 
2. Authorization Requirement ( FCRA 604 ( a ) ( 2 ) ) : Companies must obtain your consent before pulling your credit report. 


*Acceptable Hard Inquiry Purposes : * 1. Credit applications 2. Employment screening ( with written consent ) 3. Insurance underwriting 4. Credit account reviews *Time Limits : * 1. Hard inquiries remain on credit reports for 2 years ( FCRA 605 ( c ) ( 1 ) ). 
2. Multiple inquiries for same purpose within 14-45 days are typically combined into one ( FCRA 604 ( a ) ( 3 ) ). 


*Consumer Rights : * 1. Right to dispute inaccurate inquiries ( FCRA 611 ). 
2. Right to request inquiry removal ( FCRA 612 ). 


*Penalties for Non-Compliance : * 1. Civil liability ( FCRA 616 ). 
2. FTC enforcement actions. 


Relevant US Codes : - 15 U.S.C. 1681 ( FCRA ) - 15 U.S.C. 1681m ( FACTA ) - 12 CFR 1002 ( CFPB ) - 16 CFR 600 ( FTC ) Now that they pull my credit and denial me of credit service when I have a right according to Here are relevant US codes and guidelines regarding denial of credit : Federal Laws : 1. Equal Credit Opportunity Act ( ECOA ) - 15 U.S.C. 1691 et seq. 
2. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 


Regulations : 1. Consumer Financial Protection Bureau ( CFPB ) - 12 CFR 1002 2. Federal Reserve System - 12 CFR 202 3. Federal Trade Commission ( FTC ) - 16 CFR 600 Denial of Credit Rules : 1. Adverse Action Notice Rule ( ECOA 701 ) : Creditors must provide written notice of denial. 
2. Discrimination Prohibition ( ECOA 702 ) : Credit decisions can not discriminate based on : - Race - Color - Religion - National origin - Sex - Marital status - Age ( provided applicant has capacity to enter binding contract ) 3. Credit Reporting Requirements ( FCRA 615 ) : Creditors must report accurate info. 


Notice Requirements : 1. Reason ( s ) for denial ( ECOA 701 ( a ) ) 2. Credit score disclosure ( FCRA 609 ) 3. Credit reporting agency contact info ( FCRA 609 ) Consumer Rights : 1. Right to request credit score disclosure ( FCRA 609 ) 2. Right to dispute credit reporting errors ( FCRA 611 ) 3. Right to sue creditor for discrimination ( ECOA 706 ) Penalties for Non-Compliance : 1. Civil liability ( ECOA 706 ) 2. FTC enforcement actions 3. CFPB enforcement actions Relevant US Codes : - 15 U.S.C. 1691 ( ECOA ) - 15 U.S.C. 1681 ( FCRA ) - 12 CFR 1002 ( CFPB ) - 12 CFR 202 ( Federal Reserve ) - 16 CFR 600 ( FTC )
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

I'm not able to access ChexSystems online portal as they've suspended it due to " suspended by administrator ''. I've called 5 times, and they have not been able or willing to give me access, and they will not explain why it's blocked. 

I need a copy of this report for my XXXX XXXX. 

I need to dispute an item that a credit union is reporting that is incorrect, and has resulted in adverse action letters for me trying to get a new checking account. 

I have a right to this report and to dispute it, and the company is violating that right repeatedly
Consumer complaint received 2024-08-27
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. (CA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-10-01
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

Synchrony Bank has issued a letter stating that they will be charging {$1.00} per month to mail paper statements to users who have a balance greater than {$2.00}. I intend to call them tomorrow but, regardless of what they say to me, they should not be allowed to do this to other consumers.
Consumer complaint received 2024-10-01
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: PENTAGON FEDERAL CREDIT UNION (MO)

Pentagon Federal Credit Union has an account that belongs to my ex-spouse and I have NO liability for this account as I am only an Authorized User and I was supposed to be removed as an authorized user. I submitted a dispute with the credit bureaus and Pentagon CU verified it is correct information. As an Authorized User I have the right under the FCRA and Federal Law to be removed as an XXXX and the account deleted off my credit bureaus as I have the right to my own credit and I do NOT wish to be an Authorized User on my Ex-Spouse Pentagon Federal CU card account. This is notice to Pentagon FCU that I want to be removed as an Authorized User from the account or my XXXX XXXX XXXX XXXX XXXX XXXX XXXX will initiate litigation for any harm this has caused my credit and punitive damages for stress. ** I DO NOT WANT TO BE AN AUTHORIZED USER ON MY EX-SPOUSE ACCOUNT NOR AM I LIABLE FOR THIS ACCOUNT. We were divorced in XX/XX/year> in XXXX XXXX, Missouri. Her name is XXXX XXXX. The account listed has a credit limit of {$6300.00}. This needs to be removed immediately or my XXXX  will take action for Pentagon FCU failure to delete this account at my demand and federal rights.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (DE)

Around XX/XX/XXXX M & T bank " locked '' my account which resulted in all my recurring payments failing. A week later, I called the bank and was given an excuse that my account was locked due to the bank on being able to verify my identity per the XXXXatriot Act ( which was enacted XX/XX/XXXX ). So it took M & T nearly XXXX years to verify our identity? My husband filed a complaint and XXXX from the XXXXffice of the President reached out. She provided an invalid email : XXXX ATTN : XXXX XXXX XXXX I to send all documentation ands unnecessary late fees we incurred due to M & T 's negligence to verify our information for XXXX years. M & T bank held my money " hostage '' and caused many issues, then in attempt to solve the problem didn't even provide correct contact info. What a great way to solve a problem M & T caused and give us the runaround. XXXX suggested to my husband we contact all of the companies that assessed late fees and ask to reverse them
Consumer complaint received 2024-10-02
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Wilber and Associates, P.C. (TN)

To Whom It May Concern, I am filing a formal complaint against Wilber Group and XXXX XXXX regarding a misleading and unauthorized online agreement that was entered into without my informed consent. Below are the details of the incident : Incident Date : XXXX XXXX XXXX Parties Involved : Wilber GroupXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the Issue : On XXXX XXXX XXXX, I received an email from the Wilber Group that included a link to view my account. The email explicitly stated that pressing the link would not authorize any agreement or payment. However, after clicking the link, I was directed to a page that displayed a promissory note and payment authorization for a debt of {$21000.00} related to a car accident. This promissory note claimed that I had agreed to pay a down payment of {$1500.00} on XXXX XXXX XXXX, with monthly payments of {$350.00} starting in XXXX XXXX

Misleading Practices : The email communication was deceptive as it led me to believe that no agreement or authorization would occur by clicking the link. I did not knowingly consent to this agreement, nor was I given a proper opportunity to review or reject the terms before being shown that I had electronically signed a legally binding promissory note. 
Lack of Consent : This agreement was entered into without my informed consent, violating my rights under the Electronic Signatures in Global and National Commerce Act ( ESIGN Act ). The process did not make clear that I would be authorizing any payments or signing a legal document. This type of misleading behavior constitutes an unfair and deceptive practice. 

What I Am Requesting : I am requesting that the CFPB intervene in this matter by : 1. Ensuring that Wilber Group and XXXX XXXX void the unauthorized agreement. 
2. Cancelling any scheduled payments or obligations related to this unauthorized agreement.

3. Confirming in writing that the agreement has been canceled and no further action will be taken against me. 

If necessary, I am willing to provide supporting documentation, including email communications and screenshots of the unauthorized agreement. I look forward to your assistance in resolving this matter. 

Thank you for your attention to this issue.
Consumer complaint received 2021-05-15
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: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DIGITAL FEDERAL CREDIT UNION (MD)

I am writing to formally file a complaint against Digital Federal Credit Union ( DCU ) regarding their handling of a balance transfer that has resulted in unexpected cash advance charges. 

In 2018, I was advised by DCU to open a new credit card account to transfer the balance from a joint credit card with my ex-wife, who was using it without my consent. I followed this guidance, believing it was a straightforward balance transfer. 

Recently, I learned that this transfer was classified as a cash advance, leading to daily interest charges. I was not informed of this classification at the time, and the response I received from DCUs Member Service was unsatisfactory, failing to address the lack of transparency regarding their policies. 

I am requesting your assistance in investigating this matter, as I believe the bank 's policies were not clearly communicated to me. 

Thank you for your attention to this issue.
Consumer complaint received 2024-10-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Barnhall Financial Services, Inc. (MS)

Repossession of car owned less than. 3 months sued for large amounts. Did not.give us a court date and filed paperwork I'm a town i don't live in an.hour away
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On Saturday XX/XX/year> I deposited a check at my Bank of America account for the amount of {$140000.00}. The deposited check was issued by XXXXXXXX XXXX. The Bank of America teller told me the funds would be available in my account on Tuesday XX/XX/year>. I checked and the bank show they are holding the funds and would be available until Friday XX/XX/year>. I called them to ask why and they said they received the funds from XXXX XXXX but are still verifying some information before releasing them. This is unacceptable to me since we live in a digital world where the information is processed in seconds. In other countries checks are cleared in 24-48 hours maximum. By holding the funds, Bank of America is making me lose money that I could be earning by investing the funds instead of them using them.
Consumer complaint received 2024-09-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc. (NC)

I am writing to formally address an issue regarding your employee, XXXX XXXX, from Comenity Bank at XXXX, extension XXXX, who has violated my request not to be contacted at my place of employment. On XX/XX/year>, XXXX XXXX left a message on my direct line asking me to return her call. However, on XX/XX/year>, she proceeded to seek out and leave a detailed message on the phone line of another employee at my workplace who has no relationship to me. This line is unrelated to any of my contact information, including any phone numbers I provided in my credit application. 

The message XXXX XXXX left was detailed and inappropriate, as anyone could have called back and pretended to be me to gather sensitive information. I find this unprofessional and deeply concerning. It has caused unnecessary humiliation and distress, as it has now exposed my private financial matters to others at my place of employment. 

I request that any future communications in writing to my home address or via email, so I may address any debts accordingly. 

I appreciate your prompt attention to this matter and expect full compliance with the law moving forward.
Consumer complaint received 2024-09-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Kashable LLC (MD)

I applied for a loan from Kashable and submitted very personal information. I even connected my checking around through XXXX, sent check stubs, a photo of my license and proof that i started an allotment showing my first payment. I was repeatedly told the application disappeared, or that after three days I have to apply again with no explanation. Now a payment has come out of my check and I cant get a response. I submitted 4-5 applications with no response.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Vehicle was turned back in on XXXX, XXXX. All final settlements and payoff were completed by XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX continues to report that payments are still being made through XX/XX/XXXX on XXXX. On XXXX there are reporting payments made through XX/XX/XXXX. On Experian they are reporting a Collection on XX/XX/XXXX and payments made through XX/XX/XXXX. 

Incorrect payment status across all three bureaus. 

Account status is inconsistent across all three bureaus. 

Closed ( XXXX ) XXXX ( Experian ) Derogatory ( XXXX ) XXXX refuses to look into it. Credit disputes have not helped. 

Please remove this fradulently and illegally reported information.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (NC)

Transworld Systems Inc contacted my mother on XX/XX/year> looking for me. My mother took down the number and I called them and told them not to contact that number again, nor to contact me via phone. I asked them to cease phone communications and only send me information to the address I have on file. Approximately XXXX week later, they call my mothers cell phone number again and divulged that they were a debt collector. This is a FDCPA violation. They should not have called again nor should they have exposed that they were looking to collect a debt from me. Now my family is involved in my personal finances. This has caused a major stress for me mentally.
Consumer complaint received 2024-09-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc. (SC)

While dealing with my student loan servicer XXXX, I could not get my payment lowered through a hardship request. I could not get a deferment, the only option that would get approved was a forbearance. While in forbearance, I was accruing interest, made the balance grow and harder to pay-off.
Consumer complaint received 2024-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paypal Holdings, Inc (IA)

Ive been denied a pay in XXXX several times over the last year and a half, and they are not giving me a reason ive even contacted the executive office and they said they cant pinpoint an exact reason. They keep saying that its tied to previous unusual activity yet XXXX from the Executive office said there was no fraud or anything. So Im not even sure what they are talking about! ( read where XXXX from the Executive office said there was no fraud on my account, then read the denial that says there was fraud on a pay in XXXX ). If she knows there was no fraud and admits thats not the reason then arent they legally, denying me the right to know why I was denied
Consumer complaint received 2024-09-28
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

Company : Bestbuy XXXX Citibank XXXX credit card. 

" credit life insurance fee '' I have been charged monthly for a " credit life insurance fee '' I had auto pay and never looked at the statement. as it was a small fee every month compared to the over all debt. I did not notice it. 

however, when disputing another charge today I noticed this fee and saw them on all statements. when I called Bestbuy/citibank. they said that I have been charged this since I opened the account 12 years ago. when all totaled up its roughly {$4000.00}. I asked Best Buy/citibank to cancel and dispute previous charges and they informed me to contact the insurance company directly because they can't do anything from their side. Citibank was asked to give XXXX back to customers. I did not receive anything.