davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (SC)

After Hurricane XXXX, around XX/XX/XXXX, I contacted XXXX Comenity XXXX XXXX XXXX Generation Financial to inform them that I would not be able to make my XXXX payment, and I understood that my payment was deferred. Today, XX/XX/XXXX, I called again to request an additional extension due to the ongoing recovery process. The first representative informed me that he could not XXXX any current assistance for the XXXX payment due to assistance being provided previously. I asked what the final date would be to make payments to avoid a negative credit reporting and late fees, and he responded the XXXX which is the due date. I then requested a supervisor and was transferred to XXXX. 

During my next call, I spoke with XXXX, a Senior Account XXXX. She stated that while she could not XXXX an additional extension for XXXX, she could offer a {$15.00} credit, and that the late fee could be up to {$41.00}. When I requested transparent information regarding the late fee, she was unable to provide that, which felt unfair to me the consumer and deceptive in nature. 

I then asked to speak to her supervisor. XXXX told me to hold on and then disconnected the call without returning to me, even though I had provided my contact information. This lack of professionalism and communication is unacceptable, obscene, and abusive. 

My account has always been positive, and I have never experienced a natural disaster ; the purpose of my call was to seek assistance and gain information regarding my current situation. The inability to provide clear and transparent information about fees, along with the unprofessional handling of my call, raises serious concerns about my consumer rights. I have had this account for some years now with a perfect payment history, and my interaction regarding this matter make me feel deceived and unfairly treated.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXX  account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.
Consumer complaint received 2024-11-01
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: Experian Information Solutions Inc. (MD)

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

There is an address on my consumer report which is in fact, a result of identity theft and I would like it removed immediately. I have disputed this with Experian, XXXX and XXXX. They did not remove it from my consumer report. I have never stayed at that address and I would like to request that it be removed from my consumer report.
Consumer complaint received 2024-10-28
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

In late XXXX I brought two checks to my local XXXX location at XXXX XXXX XXXX. One check contained my federal tax payment of {$16000.00}. 

On XX/XX/XXXX I checked online on Citibanks website and saw that the check had been deposited. However, I noticed that the federal government address, and my social security information had been erased and someone had written a new name on top of the check, so it was now addressed to and cashed out to XXXX XXXX. This had been done so poorly that you can still see my handwriting in the background. 

I was very surprised that Citibank had failed to catch or notify me of this fraudulent activity. I immediately contacted Citibank on XX/XX/XXXX, filled out an affidavit and requested a temporary credit for the funds since I still had to pay my taxes. I explained to several Citibank representatives that not only did I lose {$16000.00} but I now have to pay an extra {$16000.00} to the IRS. I explained that the situation is putting me in extreme financial difficulty and as a lifetime Citibank customer I would expect a higher level of protection or at least support here. 

Since this has all happened Citibank has notified me that they will not be able to provide me with a credit while they resolve the case. This is further putting me in financial difficulty. I have also been told by a Citibank representative that this case will take up to 120 days to resolve since they need to speak with the other bank that received the deposit. For the record the other bank is XXXX XXXX. 

I have pleaded with Citibank to provide me with a credit, but they have told me that there is nothing else they can do and they do not have the power to force another institution to take a look at the case. 

I have since spoken with a lawyer who has seen the image of the cashed check and has told me that it seems outrageous that Citibank can not provide a temporary credit. The lawyer also suggested that I file a complaint with the CFPB.
Consumer complaint received 2024-10-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

Im reaching out once again because as a consumer I firmly believe we should be protected by US LAW from criminal fraudulent activity and behavior from corporations. 

After I finally submitted the NAVIENTs School Misconduct Loan Discharge Application for my fraudulent private student loans from the criminal and fraudulent for profit XXXX XXXX, now Navient, after being banned from ever servicing Federal Student loans, sold their ilegal portfolio of fraudulent private student loans from criminal for profit institutions to ANOTHER COMPANY. 

Now a different company with a horrible reputation, XXXX, services my loan after I already paid the initial loan amount but still owe 2X that amount. Now my NAVIENT School Misconduct Loan Discharge Application becomes obsolete.

What happened to the FTC Holder Rule? 

Why were Federal Loans the only ones discharged when both Federal and Private were issued under the same fraudulent conditions? 

As a legal US consumer I feel harassed, threatened and coerced by a criminal corporation ( NAVIENT ) to pay for something I shouldnt be paying for. 

Navient gave me an ultimatum that if I dont pay by the XXXX of XXXX I will be sued, even though I was just informed my loan is no longer with NAVIENT but with XXXX. 

This is absurd and shouldnt be happening in the United States of America, its a disgrace. 

I was scammed by a for profit institution and now Im being coerced to pay for a fraudulent product by a criminal corporation.

We, thousands of defrauded students/consumers, need protection.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Ive been disputing inaccurate and incomplete accounts on my credit report with Experian. on XX/XX/23 i sent another dispute certified mail and recieved a response that they think i wasnt the one who sent in the dispute. this is a stall tactic because i provided in my dispute a copy of my drivers license and social zsecurity card and a utility bill. Certified mail cost almost 10 dollars this is my third time sending a dispute. they continue to cost me money through reporting inaccurate information on my credit report and through mailing my disputes. i need my credit reports 100 % accurate thats there job by law and they keep breaking it
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX 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 2024-10-03
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION (TX)

I was given information that NFCU has XXXX accounts on my credit report that have the same balance, same opening date, and same amount due, but different account numbers. What I have with NFCU currently is a XXXX XXXX loanXXXX XXXX XXXX XXXX  checks, and XXXX savings. The XXXX loan I have with NFCU was transferred and Ive had problems with NFCU since. In additionally, I was told this is an error on NFCUs part. I request that this be corrected immediately. Ive had this problem with NFCU on another account as well and because of this and another error, I believe this is being done intentionally. Why? My first guess would be malice. NFCU deliberately placed a negative comment on my report. After extensive investigation this was not being reported to the three major credit bureaus, but to a third party which made it difficult to find out Where this was coming from, and each request for a loan from NFCU was ALWAYS rejected. Until I searched to find out why, I found this negative report given on an account that I had no late or missing payments. XXXX, I never even consider using skip a pay. This has since been corrected but it took two days of my time!. Whoever is in charge of making these deliberate errors with intent and malice reflects on how NFCU will be analyzed by potential future and existing customers, I am forwarding this request as well.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (FL)

I have a lot of inquiries on my credit that I don't recognize. I'm paying for a Citibank card and it's in common agreement with the Macy 's card that is also being paid and continues to report bad credit.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (MD)

I looked at my credit report from credit wise a there is a Well Fargo Bank card that I never applied for nor do I have or ever had a credit car with their back. I have asked for them to do a personal investigation and audit where and why is this on my credit report. 
card name WF XXXX Cards account number XXXX, XXXX XXXX XXXX XXXX XXXX IA XXXX : XXXX Date opened XX/XX/year> credit spent XXXX credit limit XXXX I have this on my credit report but it will not allow me to upload it is stating that the file is to long. I beleive there is nothing wring with your website. I can email it to your office please contact me.
Consumer complaint received 2024-10-30
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: U.S. BANCORP (CO)

On XX/XX/year> I purchased a cashier 's check in the amount of {$85000.00} for the closing costs for a home I am buying from US bank. I had the funds in my account. I closed with the title company on XX/XX/year>. On XX/XX/year> the title company called and informed me they could not process the cashier 's check as there was a stop payment on it. I called the branch I purchased it from, and they advised they dis not know why or how a stop payment was put on a cashier 's check as they are certified funds. They transferred me to the hot line. The hot line can not tell me why there is a stop payment on it. The funds were not put back into the account from where they were drawn. The title company is now showing as negative {$85000.00}. The hot line is telling me the only way to fix the issue is to go to the branch I purchased the cashier 's check from and see if they will issue another one. The representative can not guarantee they will. She has been trying to get in contact with the branch but they apparently are not responding. As well, I work Catastrophe insurance and am currently assigned to the XXXX and XXXX XXXX in the southeast and as such am scheduled to work XXXX to XXXX Monday through Sunday. I have the title company on a three -way phone call with US Bank support, but US Bank support is unable to provide any reasoning on why there was a stop payment on the check or how to fix it. If we do not get the funds to the title company, they will have to reverse the close and the effects from this could ripple for months and may cause me to lose the loan and the home. As of right now, I have been on the phone with US Bank for almost XXXX hours and nothing new has been figured out, either on why this happened or how to fix it.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Corp Solutions Inc. (KY)

I requested the contract containing my signature, that shows any disclosure being shared with me as to any actions that were to take place at all stages of the agreement and thereafter. I also requested for the information that was not disclosed to me and agreed by me to be removed from my consumer report. I requested that all information containing credit transactions with regard to any particular creditor or debt collector be removed as it is not to be shared accept were allowed within certain circumstances according to US Codes. I requested were disregarded, and all information remains in my report, even though I have disputed this information for the last XXXX years and it has always came back as being verified and allowed. I have shared with them the US Codes pertaining to my complaint and they were also disregarded as if these companies know that nothing will happen to them even if they commit fraud and identity theft to make money by way of a consumer credit transactions using my social security number, which is a credit card according to 15 US Code 1602 ( l ). I stated to them that they were intentionally overlooking these complaints because if they were corrected as required by law, that this would affect their ability to make money from an account that must be removed. This knowingly and willful fraudulent activity should not be allowed. This is why the Fair Credit Reporting Act was created. And it is amazing that because they are a big corporation, they are allowed to get away with fraudulent activities, but if an individual commits fraud, even by accident, they are held accountable and put in jail. This causes the people to lose faith in the banking system and will at some point be the downfall of the banking system if it is not corrected.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

The corporation has Violated The Privacy Act of 1974 as well as the terms and conditions of our agreement pertaining to its initial privacy notice. The Consumer has respectfully entrusted the corporation with a certain level of expectation that the financial records would be maintained safely, securely, and in good faith. The corporation has repeatedly, on a monthly basis disclosed non public personal information, including personal records and personal transaction history, to multiple non-affiliated third parties for marketable services such aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. This has negatively affected the consumers ability to attain credit and services for Personal family and household usage. Although the consumer has received the initial privacy notices, the consumer receives the goods monthly the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties of the Agreement.

Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records
Consumer complaint received 2024-03-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

XXXX Is my old case number you guys closed my case because credit acceptance lied and said it was fraud when it clearly wasnt fraud I need help because if they lied that tells you something is wrong with this company I literally uploaded out contract how could I have been fraud we
Consumer complaint received 2023-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

AMSHER COLLECTIONS IS ATTEMPTING TO COLLECT A DEBT NOT OWED TO THEM AND HAS FRAUDULENTLY REPORTED THIS TO MY CREDIT REPORT. THIS REPORTING HAS NOT ONLY NEGATIVELY IMPACTED MY CREDIT RATING BUT ALSO IS A GROSS VIOLATION OF MY RIGHT TO PRIVACY. I DID NOT GIVE ANY CONSENT FOR THIS COMPANY TO ACCESS OR DISTRIBUTE MY PERSONAL INFORMATION. 15USC 1681 ( a ) ( 4 ) You Are in Federal Violation on my rights, as a federally protected consumer who have the right to privacy. 

NO WRITTEN INSTRUCTION WAS GIVEN TO REPORT THIS ALLEDGED ACCOUNT 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. 

I have not done or agreed to do any business with AMSHER nor have I signed any contract with their company. I also have not given any credit bureau authorization to report this item therefore no permissible purpose exists. This is another direct violation of my rights 15 USC 1681. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] FDCPA 813 [ 15 USC 1692k ]