davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (MO)

Case number : XXXX In XXXX, I rented a vehicle from XXXX XXXX XXXX and encountered several maintenance issues, including low tire pressure, a cracked window, and a damaged back light. I promptly reported these problems to the company but received no assistance. Following further communication, I was advised by the XXXX office to return the vehicle for a resolution, with assurances that I would not incur any additional charges. 

Contrary to this assurance, I was later billed {$520.00} by XXXX for the issues previously reported. Despite numerous attempts to resolve this matter with XXXX and through my Citibank credit card, the charge has not been corrected. The ongoing dispute has prompted repeated and unwarranted debt collection calls, insisting that I owe this unjust charge. 

My efforts to contest this charge with Citibank have included multiple phone calls and the submission of photographic evidence, as requested by their representatives. However, there has been no satisfactory resolution, and the lack of support from Citibank in disputing this erroneous charge is concerning. This unresolved charge has not only affected my financial standing but has also restricted access to my Costco membership benefits linked to the Citibank card. 

I am seeking assistance from the CFPB to address this unresolved dispute with Citibank and XXXX, as my attempts to rectify this situation have been met with inadequate responses and further complications.
Consumer complaint received 2024-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (TX)

National Recovery Agency has added an erroneous debt to my credit report for {$620.00}, despite their failure to provide any validation for the debt as required by law. 
In XXXX, I filed a dispute with the credit reporting agencies regarding this same debt, after their investigation, the debt was removed from my credit report. However, in XX/XX/XXXX, National Recovery Agency added the same debt back to my credit report under a different ( new ) account number. I subsequently requested debt validation from the company, but they have been unable to provide any documentation to prove that I owe this debt, including information on the original creditor or the correct amount. 
Despite failing to validate the debt, National Recovery Agency continues to report this unverified debt to the credit reporting agencies, severely damaging my credit score and violating my rights under the FDCPA. This repeated reporting of inaccurate and unverified information is both misleading and harmful.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This account was charged off on the following date : XX/XX/2024 Since then the account has repeatedly been updated as charged off evely month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (AZ)

I have attempted multiple times to obtain my loan information and keep getting referred to different organizations that are unable to provided me with my loan information. I need to obtain the following information : Dates of my loan dispersements ( Not the date it was consolidated ) The original amount for each dispersement The schools that received the dispersements.

Every time I call I get partial information or am advised I can only be assisted through the mail and have to wait 7-10 for a letter that does not provided the information that I am requesting.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Very dissatisfied with Bank of America. They made a mistake in not closing my XXXX Account. I had walked into a BOA facility and requested to have my money pulled out of my savings account and have it closed. The teller said that a XXXX would need to do the closing. I had to wait for a banker to become available. He came over and signed a document and I received my money. I asked, " Is the account closed ''. They said, yes he would take care of it. But he didn't. Then when last XXXX,XX/XX/XXXX came they charged me a $ XXXX service fee for not having enough in the account. Then they charged me XXXX more times, before I could get in to speak with someone. Once I did, they said they couldn't close it now because it was in the negative and that was due to the service fees. I had to go home and call the Cust Serv number and explain this all to them. They removed 2 months of service fees but said now I had to transfer money from my checking account to the savings account to zero it out. I did this and the agent was able to close out the account that should have been closed last XXXX. I called twice to request that they reimburse me for the amount I had to tranfer over to zero out the account. Cust Serv now says, that because the account is now closed they are unable to do anything. It was their mistake, but because the account is now closed, they " say '' there is nothing they can do. They need to own up to their mistake and reimburse me.
Consumer complaint received 2024-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Citizens bank denied every fraud claim I opened when my wallet//id and ss # were stolen. They gave my new account number to someone who had my information over the phone allowing this person to access my account despite canceling cards and obtaining new ones. After submitting complaints against the bank the shut my account down and refuse to give me the money Im owed. On top of that I have requested numerous times for the information used in their investigation to be sent to me. I asked in XXXX and its now XXXX. I have not received the {$780.00} check that they can not confirm and was suppose to be issued XX/XX/XXXX. I provided citizens bank with government identity theft paperwork, a police report and they wont give me back a dime of my money and refuse to reopen my fraud claims due to account closure
Consumer complaint received 2024-09-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America refuses to accept that the service provided in the branch was not good and that the manager didn't have enough knowledge to sell it and explain the product correctly, leading to a hard inquiry in my credit and a XXXX approval for the line of credit requested, when manager reviewed ALL DOCUMENTATION and NUMBERS PRIOR and said our business was eligible for up to XXXX and this was the product to go for. So, I want to review all messages, emails, and recordings from the bank together with the Bank and Consumer Finance Bureau to attest and recognize the service mistake. I do not need any more products or services from Bank of America ; I just need Bank of America to have competent managers who know what they are doing and selling and the hard inquiry removed, given the bank 's misleading and conducting this process.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I contacted XXXX XXXX and Trans Union 3x in regards to errors on my report. I owe less on my car loan than what is reported. Lately I made larger payments than usual on my car loan and my student loan, then all of a sudden my credit score went DOWN XXXX!!! WHY????? There's absolutely no reason for my score to go down when all my payments to both my loans and my bills have all been on time and on good terms. In fact, my student loan is almost done and my car loan is less than half way done. I contacted both companies and neither were any help. Now all of a sudden, Trans Union does not do help online. If I call, I will be cussing them out and getting extremely nasty. I work my XXXX off to pay off all my XXXX and be responsible with my credit and these XXXX XXXX are ruining me!
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: STATE BANK OF INDIA - NEW YORK BRANCH (VA)

On XX/XX/XXXX, I opened a checking account with XXXX and on XX/XX/XXXX, I placed an order for a checkbook associated with my checking account and received it from XXXX. Also, XXXX has charged me {$22.00} for this service. All good till now. 

Subsequently, on XX/XX/XXXX, I issued a check ( for amount less than available balance ) from my checking account ending in XXXX. The check was initially paid on XX/XX/XXXX ( attach : bank transaction and check copy ). However, the payment was later reversed on XX/XX/XXXX. 

The reason provided by XXXX for the reversal was that they do not possess my identifiable information necessary to clear the check. I was directed to provide copies of my Driver 's License, Address Proofs, Signature, and other documents. 

My concern arises from the fact that XXXX, as a bank operating in the United States, has facilitated the transfer of substantial amounts ( > {$25000.00} ) of money ( USD ) to a foreign country without requesting the aforementioned details. However, for the clearance of a domestic check, XXXX has deemed these identification documents necessary. 

This oversight by XXXX has had a detrimental impact on my life, causing significant pain, stress, physical and mental anguish, and monetary loss. Unfortunately, this mistake has disrupted my plans to purchase a car, which involved considerable personal effort and financial arrangements.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 ). 

I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself, XXXX XXXX XXXX, Last XXXX of XXXX : XXXX, XXXX : XX/XX/year>. Please delete the following accounts. XXXX XXXX XXXX Vacations bal. {$15000.00}, XXXXXXXX XXXX XXXXXXXX. {$9100.00}, XXXX XXXX XXXX XXXX XXXX. {$6800.00}, Transworld Systems Inc. bal. {$340.00}. 

Thanks for your prompt attention to this matter.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Credit score was lowered XXXX points from Trans Union despite having consistent on time payments, and no negative remarks. This is the 3rd complaint seeing how CFPB closed the complaint with no resolution. All my documents are attached to resolve the situation for proof. There is absolutely no excuse to close this complaint with no resolution only to reply stating " we need clarification of the dispute. '' I attached documents, that's all the clarification they need! If my credit score is not restored after this attempt, I will be hiring a consumer protection attorney.
Consumer complaint received 2024-06-01
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. (NY)

I am asking for an investigation because these accounts on my credit file are incorrect. The Fair Credit Report Act says I should get {$1000.00} for each error. FCRA 605B requires reporting wrong accounts on a credit file.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XXXX XXXX we received notice that our Capital One 360 card had been closed, due to inconsistency with their expectations for account usage. We recently had made payments to the account ( not the payment promise to pay amounts due every month ) that did not clear, due to insufficient funds. It should be noted that the minimum payments ( promise to pay ) according to the consumer agreement were paid and cleared our accounts every month. The additional payments we attempted to make were not cleared. As a result, Captial One closed out the account and it was reported to the credit bureau causing us to loose points on our credit score. Also, it should be noted that their customer service representatives told us we would not be penalized for those extra payments ( not the minimum payments due ) if they did not clear. Our minimum payments due ALWAYS cleared our bank accounts.Capital One 's consumer agreement also does NOT state I REPEAT does NOT state your account can be closed due to insufficient returned payments. I will attach the agreement to this complaint. Capital One breached its consumer agreement and closed our account, causing damage to our credit score over returned payments ( which the consumer agreement does not state we would be penalized in this way ) for trouble clearing additional payments to the account. We PAID ( the promise to pay ) minimums on this account ) as indicated in the consumer agreement. Other payments made were NOT promised to pay and were at our discretion to make. We were only obligated to pay what they asked for which was the promise to pay the minimum payment due. They closed our account anyway which was unfair and UNJUST. Capital One should reopen our accounts or agree to cancel our balance due to their breach of contract and unjustly closing our consumer account for terms NOT stated or laid out in the consumer agreement nor agreed to by us the consumer. The bottom line Capital One penalized a consumer for terms not in the consumer agreement or their own policies and as a result, closed our account and damaged our credit and they should be HELD accountable. Legal action is being considered at this time.
Consumer complaint received 2024-08-24
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dispute of Incorrect Balance on Credit Report Dear TransUnion, I am writing to formally dispute an error on my credit report, which I obtained from your agency. My XXXX XXXX XXXX account balances are wrong and need to be updated correctly as well as my credit score. My Current Balance is $ XXXX, Available Balance is {$200.00}. 

I believe this discrepancy is due to lack of proper investigation. 

I'm attaching a Screenshot for proof of documentation. 

I kindly request that you investigate this matter and correct my credit report accordingly. Please inform me of the outcome of your investigation results through email. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (CA)

I applied for a loan to get by until payday through money lion and they referred me to river valley loans. They approved me for {$600.00} and, not until it was too late, I found out I have to pay back {$280.00} for almost 2 years totalling over {$4000.00}. I can't afford that. I should of read the agreement.
Consumer complaint received 2024-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

This company is reporting fraudulent inaccurate information on my credit report. I am requesting that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Insikt, Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX, Request to Opt-Out of Information Sharing Dear, Aura I am writing to formally request that you process my opt-out request under the provisions of 15 U.S.C. 1681b ( e ) and any relevant sections of the Fair Credit Reporting Act ( FCRA ). 

As a consumer, I understand that I have the right to opt-out of certain disclosures of my personal information to non-affiliated third parties. Therefore, I request the following : XXXX. Please refrain from sharing my personal information with any non-affiliated third parties for marketing purposes. 
XXXX. Confirm that my request to opt-out has been processed and that my information will not be disclosed without my explicit permission. 

For my records, my personal information is as follows Please provide me with written/email confirmation that my opt-out request has been processed. 

Thank you for your prompt attention to this matter. 

Sincerely