davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Saks Off Fifth is reporting fraudulent charges on my credit account. The fraudulent charges in question were reported to the XXXX and as a result the charges were refunded. As of today, the fraudulent charges have now been reversed and SAKS is now reporting my account being over the credit limit I have been extended by their company. I ask that you intervene and remedy this erroneous, fraudulent and defamatory information from my credit account. I am putting you on notice that if this matter is not corrected in the next fifteen ( 15 ) days, I will be for to seek damages. Saks blames Capital One and vice versa. I dont have the patience to fight with both companies. So, I am leaving it in the hands of the CFBP.
Consumer complaint received 2015-11-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (TX)

XXXX XXXX XXXX defrauded over XXXX students. Navient is attempting to collect on my private student loan for which I have nothing to show for. The US DOE is currently considering my defense to repayment regarding Federal loans to the before mentioned entity. Navient claims they are exempt of following the laws of the state which I reside in, Texas. I notified Navient to cease and desist collections under the Texas Debt Collection Act, a law that Navient states that they are exempt of. I am open to postal communication from Navient, but do not wish to deal with them verbally any further. They run like a record, and repeat over and over how they are exempt, how I owe the money ; yet they are enforcing a contract entered by me in good faith that the receiving entity would deliver what they promised. They must immediately accept my demand to cease and desist phone communications.
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (TX)

I contacted the company directly, the company validated that the debt was not mine. The company then stated that if I could confirm that the debt was negatively affecting my credit that the would remove the debt, this statement was made over 60 days ago and the debt is still on my credit report affecting it negatively
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2016-11-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: MIB Group, Inc. (CA)

I would like a investigation into the accuracy being reported on my MIB file under the fcra. I request you delete the two items that were put on my MIB Record by XXXX. This is not correct, those were reckless driving and that happened in XX/XX/2008, Please delete those two items you have my MIB FILE # XXXX immediate. I will file a complaint with the consumer financial protection bureau if this is not done immediate. Your file is inaccurate and false
Consumer complaint received 2024-10-12
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TrueAccord Corp. (CT)

XXXX / XXXX reporting is inaccurate : My history the company CONGRESS CLEARLY STATES THAT A LATE PAYMENT OF TRANSACTIONS OR EXPERIENCES BETWEEN the consumer and the person making the report is not included in the consumer report!

They have violated the Fcra 15usc 168ia 2ai by reporting this transaction or experience on my Consumer Reports they have 10 calendar days to update my payment history or delete all late payments below accounts Failure to respond with deletion of the above consumer reports will result in legal actions being taken against companies for which I will also be seeking {$1000.00} per violation for! .Defamation of character 2. Negligent Non - Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 VIOLATIONS WILLFUL NON -COMPLIANCE -616 CIVIL liability FOR WILLFUL COMPLIANCE ( 15 U.S.C 1681 in DID YOU FILE A 1099 c?
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Please delete all fraudulent and closed accounts off my credit file from XXXX, Equifax, and XXXX immediately. 

XXXX XXXX XXXX {$1100.00} XX/XX/year> 2021
Consumer complaint received 2016-03-15
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC (CT)

I took a payday loan for {$400.00} with North Cash on XXXX/XXXX/XXXX. They took the first payment on XXXX/XXXX/XXXX for the amount of {$95.00} and after that, they 've been taking {$55.00} weekly for 10 weeks. I called today XXXX/XXXX/XXXX to ask for a pay off amount and they told me I owe {$430.00} so I asked why if the loan was only {$400.00} and she responded that all the money they been taking out of my account was interest.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV INC. (CA)

I had an ongoing XXXX claim started late in XXXX. This claim began with my money being deposited in a XXXX  XXXX XXXX account with which I had no issue. However part way through the claim XXXX switched to Money Network. When I finally went to access this money several months later I found the account had been stolen and that someone had fraudulently claimed the account and drained it of all the money in it. I filed a dispute with Money Network where they reversed a small portion of the transactions, however the vast majority of of the money they claimed they could not reverse due to it being " digitally verified ''. After much back and forth of my calling them and mailing them over many months I find out this means that a password has been input by the account holder to authorize those transactions. However of course the fraudster in control of the account and who made it to begin with is able to " digitally verify '' their own transactions as they're the one in control of the account. I file an appeal with many network, spend several more weeks and months on and off the phone with them and they essentially tell me they won't reverse the transactions, still due to them being " digitally verified '' by the fraudster, which is patently absurd. So I have now effectively had XXXX $ stolen from me due to what was almost certainly a data breech on Money Network 's end ( as this is essentially the only way the fraudster could've obtained the card information since the card that was sent to me had never been activated or used ) and Money Network telling me they won't do anything about it nor will they explain themselves on why my dispute is insufficient.
Consumer complaint received 2015-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

My husband and I have been working with CitiMortgage for a modification application since 2012. After repeatedly sending in the same documentation and clarification they ask for, I am always denied because they claim documentation was not turned in. I keep records and confirmations of all documents sent and also keep logs of every phone call I make or receive from the lender. It seems at this point there are just giving me the run around and forcing me to fall further and further into debt so they can sell my home. I wish they would acknowledge all the work I am doing on my end to keep being productive and following up instead of giving me the run around and giving me false hope. I also felt as though the relationship manager that was assigned to my file was discriminating me due to my race and always had a serious attitude with me and did not want to help and make things more difficult for me. I had to ask for a new relationship manager because he made me feel horrible about my situation. I feel I have been dealing with this unfortunate situation for too long and need to address the situation so it does not happen to others as well. So now at this point I have a projected sale in XXXX due to their underhanded tactics and they are pushing me against the wall before a sale and I would like them to review me for a modification and conduct themselves in a professional manner and provide with me foreclosure options as California Law state. Thank you.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (FL)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 



By obtaining my consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). ChXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) I have not initiated any transaction with your company. Furthermore, I do not have an account under 15 U.S.C. 1693a ( 2 ) with your company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OH)

I opened a credit card with Home Depot. I did not get a bill, so I had called them. At that point they assessed a {$35.00} late fee. I paid the bill in full for my purchase, which they have confirmed, but then they added another fee of {$35.00}, beginning back in XXXX of 2015. They keep adding a fee each month even though it is paid off.
Consumer complaint received 2016-01-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (FL)

The schools, XXXX in XXXX, XXXX and XXXX in XXXX XXXX but did a scam and hard sell on my son. He was actually not going to school but gave him the loans. My mother in law cosigned the loan. She is XXXX XXXX XXXX with XXXX, they were suppose to remove her years ago, from being a cosigner and never did. We kept asking and they kept changing the conditions. My son has ask for a reasonable payment so he could pay XXXX XXXX a month ) they refused and now it 's going into default but we have paid the {$260.00} to keep it from going and wondering why the payment ca n't be that. They keep threatening my mother in law with lawsuits and to take her house! This is crazy in the XXXX they can threatened a XXXX XXXX XXXX women like that. They have frightened her. NAVIENT does not work with anymore in an reasonable amt, they just keep increasing the amount owed. How can they keep a cosigner on for years and keep threatening her and why do n't they just accept a reasonable payment that a person could afford?
Consumer complaint received 2016-12-17
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (NC)

I recently open a Chase Slate card and for two months never received my statement or credit card. Each month I called and had a representative take the payment. Last month I again did this, second time since I had the card. The representative stated that it would be waived and the credit would appear on the next statement. Note that the late fee was waived once before due to not receiving a card or statement. I went to pay my bill tonight and the {$27.00} charge is still on the bill. After talking to a representative and escalating to a supervisor I was told that I never spoke to a representative and used the automated system. Even though the payment was made on the due date since it was made at XXXX it did not post in time. The problem is that in order to use the automated system I would need an account number which I did not have. I never used the automated system. They have refused to waive the {$27.00} as promised by the representative last month. I have been with Chase for 13 years as a mortgage customer and recently paid off my mortgage in full. The {$27.00} is not the issue here, it is the principal of the matter. Chase must be held accountable for their word. I have lost total consumer trust in what any of their representatives say and tonight they basically called my a liar. 

XXXX XXXX.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2015-05-28
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (DE)

I sent funds to my Paypal Smart Connect account that is backed by Synchrony Bank in error. Once I realized it was sent to them, I called XXXX, was transfered to Paypal Smart Connect and hung up on XXXX times by the automated system. When I could finally figure out how to get thru the IVR to a real person, I got transfered again. The IVR would accept my account information, social, or zip code. This processed has been repeated multiple times. I call, get transfered, hung up on/transfered again. When I spoke to a manager, he demanded the adress on the account, I have him my address. This was not good enough, I had to find the address, by calling the attorney that settled my account, and call back.. I finally speak to a manager, XXXX XXXX, he needs to research.Please note that I was never asked to confirm the address. He calls back, I now have to call another department. I call XXXX. I get told I have to speak to someone else, I get transferd. After XXXX hours on the phone, XXXX people, I am told I have to send a payment request in writing to a XXXX . There is no fax available so I can expadite this request. My Smart Connect account was enrolled in a repayment program in XX/XX/XXXX. There was a settlement reached in XX/XX/XXXX and the final payment was made XXXX. I sent a billpayment to the wrong XXXX account on XX/XX/XXXX and it should be arrived electronically on XX/XX/XXXX. Now I have to have proof of payment along with my signed dated request to get the funds back. Infuritating! 

This is n't their money and I should not have to dance like a dog throug hoops to get it back.
Consumer complaint received 2016-12-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TCF NATIONAL BANK (MI)

I have been a customer of XXXX bank for over 3 years. Overall the bank has been alright. But periodically money comes up missing from my account. The transaction is debit from a foreign ATM. I live across the street from my bank there really is n't a reason for me to go to a foreign ATM unless there is n't a tcf bank around. This last transaction happened on XXXX XXXX, 2016 at XXXX in the morning at foreign ATM. I swear I was home asleep. If you review all of my ATM withdrawals I am never withdrawing money at that hour. They said the have documents but never provide it. Now the last time it happen about five months ago I got a new card and I did use the same pin number. So this time I changed my pin but I still do n't feel safe but this is the closest bank. I should be able to bank there and feel secure. Something is going on with their debit cards. I ca n't believe I am the only customer experiencing this. I want my money back. The amount is {$100.00}. I know to some that 's a small amount but I work hard and it 's a lot to me. Nobody seems to care. I will have to find another bank.
Consumer complaint received 2016-08-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc. (MS)

I vacated " XXXX '' before the lease expired. I gave 60 days written notice as requested. When I received the final bill from them, they charged me {$1100.00} for improper notice. They also charged me {$200.00} for final water bills. I was current with rent and water at move out. My water bill never exceeded {$35.00} per month and I hand carried the 60 day signed notice to the apartment manager. I have a copy of this notice. I requested copies of the " final '' water bill and disputed the improper notice charge. No proof or copies of the water bill were ever sent to me and no reply was sent about the improper notice charge. They just turned it over to ProCollect in XXXX, Texas and they promptly listed the charges on all XXXX credit bureaus. After disputing this collection with all credit bureaus, XXXX XXXX removed it. XXXX and XXXX did not. ProCollect has not yet sent me requested proof of the the above documents. 

I am now filing a law suit against ProCollect for reporting false information on my credit report.
Consumer complaint received 2024-10-10
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: EQUIFAX, INC. (KY)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 


XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2016-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is reporting that my current account status on ( XXXX ) old accounts is 120+ days past due. This is incorrect. This account was closed and tranferred in XXXX XXXX. I have disputed this info several times to ( both the XXXX and XXXX XXXX ) failed to fix this. This is severely impacting my credit.On my Experian report, they are stating that I am 120 days past due in XXXX XXXX. Again, incorrect.
Consumer complaint received 2016-08-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Last weekend I went to visit my wife and child in VA. While I was there I rented a car. The rental company put a " hold '' on {$100.00} in my bank account. I had the car from late Friday night ( XXXX ) until early Monday morning ( XXXX ). Over the weekend I used my debit card several times for smaller items, most under {$10.00}. On Monday when I returned the car, the company put all the money back in the account except for {$37.00}. On Monday and the Tuesday following, I was hit with several overdraft charges even though when the charges came through there was money in the bank to cover the purchases. In total I was hit with XXXX overdraft charges totaling {$280.00} even though when the bills hit my account there was money in my account to cover the debits. 
The bank 's justification for charging me the overdrafts was that at the moment the card was ran the money was n't in the account. 
My question is how is it legal for the bank to charge overdrafts on me when there is money in the account when the debit comes in? I just want to be clear, there was no check deposit or anything like that, it was just a release of money the car rental was not using back into my account.