davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: V and H Portfolio (NY)

Vance and Huffman LLC fraudulently opened a collections account in XX/XX/XXXX. I live in NY and the statutes of limitations in NY is 3 years. This company opened this collection account which is negatively affecting my credit score, on an account that was closed in XXXX. That is 3 years past the statutes of limitations. I have disputed this account with the company and with all 3 credit bureaus, yet it is still being reported on my credit report! This account needs to be removed immediately!
Consumer complaint received 2023-04-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

Hello, I am writing to dispute the inaccurate and unverified information that is being reported on my credit report by several creditors. I believe that these creditors have violated a number of federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). 

One specific violation under FCRA is the inaccurate reporting of my addresses and other personal information. My current address is XXXX XXXX XXXX XXXX XXXX XXXX, but the credit bureau has reported multiple other addresses that are not accurate, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inaccurate information has caused confusion and difficulty in accessing credit, and is a clear violation of FCRA. 

In addition to the inaccurate reporting of addresses, I have also experienced other violations such as harassing and abusive debt collection practices by some of these creditors, including attempts to collect debts that are not owed and failure to provide required disclosures under the FDCPA. 

Furthermore, I have been denied access to my free annual credit report and the creditors have failed to properly handle identity theft claims under FACTA. TILA violations include the failure to provide required disclosures related to loans or credit card accounts, and RESPA violations include the failure to provide required disclosures related to mortgage loans or settlement procedures. In addition, I believe that I have been subject to discriminatory lending practices based on my race, gender, or other protected characteristics under ECOA. Finally, there have been instances of unauthorized charges and the failure to properly handle billing disputes under FCBA. 

These violations have had a significant impact on my life. I have been denied credit and other opportunities due to the inaccurate information on my credit report. It has been extremely difficult to correct these errors and I have suffered emotional distress and financial hardship as a result. I have been actively working to improve my credit score, but the inaccurate and unverified information on my credit report has made it nearly impossible. 

Therefore, I am requesting that the creditors remove the unverified accounts from my credit report immediately. I also request that you take appropriate action to enforce the laws that have been violated by these creditors. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (OH)

On XX/XX/year> I received a letter stating that the interest rate for my Sears Citibank card will go up to 34.24 %. Isn't this an exorbitant amount? Isn't this XXXX? I would like to know if this is legal. Wasn't 22-24 % enough? 

Thank you, XXXX XXXX
Consumer complaint received 2024-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (NY)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-04-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OR)

Since I took out a loan from XXXX XXXX with my mother-in-law as a cosigner to pay for my tuition, I had no idea that I was dealing with the worst scammers and abusers ever. When I graduated from XXXX XXXX XXXX in 2020, XXXX XXXX XXXX  in XXXX XXXX, Oregon, advised me to settle the balance once I am no longer enrolled by paying a {$4000.00} fee. I informed them that I will begin working on it because I am in school. I was occupied with work and school because I had already started graduate school. I eventually invested my assets in fraud and lost them, and I was unable to get them back. Police, the FBI, and the bank all tried to assist me, but the effort was in vain. 
All of these credits suddenly demanded payment for their outstanding balances at once, forcing me to start over. I instructed them to wait. I had to stop going to school for a while so that I could work harder to pay the costs. Before I knew it, XXXX XXXX had teamed up with FirstMark Bank IncXXXX to pay off their debt. They never communicated with me and attacked the credit rating of my mother-in-law. She contacts me on a Saturday, and I immediately rush to the XXXX XXXX XXXX  on XXXX XXXX XXXX in Oregon to make a {$1700.00} payment. 
XXXX Bank reduced my credit score from XXXX to XXXX over the course of two weeks while refusing to amend my mother-in-law 's credit report. Even worse, XXXX XXXX  stalked me at work, at home, and everywhere else to get access to my social security account, XXXX account, net benefit, and bank information. Even at work, I filed a report about it with the union. They wouldn't raise either my credit score or that of my mother-in-law, which caused a split between us because of the decline in her credit score. 
Even today, XXXX XXXX XXXX  continues to stalk, harass, and intimidate me using other people. They intimidated me and harassed me by using my old attorney XXXX XXXX, XXXX XXXX ' attorney, as well as by physically pursuing me, defiling me, and faking an arrest for a default.
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX offered a personal line of credit with a XXXX limit. I accepted the offer and have followed their terms and conditions. My balance was {$2000.00} as of end of XXXX, which I paid off during XXXX, the balance since XX/XX/XXXX has been XXXX XXXX has reported my credit limit to be XXXX even thought it remains XXXX, they also reported on XX/XX/XXXX that my current outstanding balance remains at XXXX. 

I have requested twice that the credit limit of XXXX be reported to the credit bureaus and they refuse saying that it is their policy not to report any credit lines, and they are not governed by financial law as they are a financial tech company, thus are able to report what they wish and it does not have to be accurate information. 

They also stated that they used a total of all loans to report the total balance of XXXX, but only the total of XXXX loan to report the maximum balance during the account lifetime, and again said because they are a financial tech company they do not have to follow normal credit reporting law and they can use different sources of information to determine what they wish to report to the credit bureaus. 

I provided copies of a credit line paperwork to the XXXX credit bureaus showing the XXXX credit limit and they refused to update my credit file.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (TX)

I requested to open a savings account with XXXX XXXX on XX/XX/2024 and XX/XX/2024 and was declined without explanation. 

Here are the application XXXX : XXXX XXXX XXXX They said they could not verify my information, but without further explanation I have no way to correct the problems with my previous applications.
Consumer complaint received 2024-03-02
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. (CA)

XXXX XXXX Account info Account name XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$870.00} written off. {$10.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$3000.00} Highest balance - Terms 36 Months On record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB (NY)

Klarna, a buy now pay later company, was used to purchase an item from XXXX on XX/XX/year>. The item was returned IN STORE on XX/XX/year>. Klarna has been contacted XXXX or 7 times since then via chat AND telephone with the latest contact being today, XX/XX/year>. Their agents REFUSE to do anything other than " report a problem '' or tell me to contact XXXX. I contacted XXXX twice and both salespeople told me the same thing on XXXX occasions. We ( XXXX ) returned it in the system, Klarna has to do their part now. When I give them ( Klarna ) the information on said problem about the return, they say I didn't give any information, which is a flat out lie at this point. I have gone back and forth with them several times, and each time they have a different excuse AFTER making me wait weeks or months for a " decision ''. I have spent HOURS just trying to get my item returned with them so they won't charge me. They will be charging me {$47.00} for an item that was returned, which is basically theft on their part as I paid for a product I returned, therefore have no product and they would be stealing my money. DO NOT USE KLARNA EVER!!!!!!!
Consumer complaint received 2024-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (MN)

I was checking my online mortgage dashboard at Well Fargo while trying to figure out how to pay it off sooner. I clicked on a button that said " View Sales of Your Home '' and was informed that my home had been sold in XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180000.00} I have not sold my home to anyone and Wells Fargo assures me that my home has not been sold. 

that being said the website still says that I did. I have tried to resolve this with Wells Fargo and they act like I am crazy and there is no such web page .... or that they can't find it which is just ridiculous. It's their job to know how their websites or contracted websites work.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (SC)

In XXXXXXXX XXXX XXXX I began requesting information about my Checking Account from Truist Bank. I requested the transaction confirmation numbers from my XXXX XXXX transactions. 
Truist says they do not have them but XXXX XXXX can provide them. XXXX XXXX is a third party that Truist uses to process their XXXX XXXX transactions. Their official name is XXXX. 
I called XXXX and requested the transaction confirmation numbers for years XXXX. 

XXXX XXXX says they can not find my account number or social securty number. I have been back and forth between Truist and XXXX XXXX for the XXXX of XXXX and have not gotten my requested information. Truist says they can not call XXXX and XXXX says they can not call Truist.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chex Systems , Inc XXXX 
Attn : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX a m writing to request an investigation of the following information that appears on my Chex System consumer report which is fraudulent. 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. Items listed above, have violated my rights. 15 U.S.C 1681 section 602 A. States Ihave the right to privacy. 15 U.S.C 1681 Section 604 ASection 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 thefollowing items of information Any other adverse item ofinformation, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( AN ( 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.

Ihave NEVER opened or used the following account numbers, please remove all information below : 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 Original Charge Of Amount : {$120.00} Closure Status : UNPAID don't recognize the following accounts in question. I'm a victim of identity theft and Ido n't recognize these accounts on my report. I'm requesting the following information be deleted
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Creditor agreed to place the account on a hardship program since XXXX for {$25.00} per month, with no late fee charges, and has not reported correct payment information to all credit bureaus to reflect this information and continues to bill me incorrectly for {$40.00} late charges after stating that they would not over the phone, under the agreed upon hardship program.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (IL)

On XX/XX/XXXX, I contacted my bank customer service rep through my online banking messaging center. I inquired about getting several over draft fees waived that totals an amount of {$210.00}. I only receive one SSA check on the 3rd each month. I have previously had to request a refund for overdraft fees a few months ago as well and was granted, but this time I was not granted. I understand that I have overdrafted my account, but I also get charged excessive fees every week that my account is in overdraft because I never have additional funds to deposit due to being stuck on one monthly SSA check. My check gets deposited every month and it covers the full overdraft amount plus the excessive fees they charged on my account which puts it even more into overdraft. I barely ever have funds left over after my check pays for the full amount. The rep I messaged told me that I am not eligible, and that my account will be closed and charged off if I dont make a deposit. I let the rep know that it will be impossible to make a deposit as I dont have any additional funds to deposit until my next SSA check deposits into the account on the 3rd, and explained that if my account can get credited for the {$210.00} in overdraft fees, then my account will be back in the positive and would not need to be closed and charged off. The rep then said that she will forward it to a manager for further review and I will receive a call within 24 to 48 hours. I can not receive any calls right now due to not having enough funds to pay my cell phone bill after paying rent plus paying excessive overdraft fees out of my check. This should be illegal for people who only receives one small check every month. 

I received a message today, XX/XX/XXXX, from a case XXXX named XXXX XXXX from retail support saying that they have tried to call but was not able to reach me. Well I explained to customer service rep that my phoe service is off and will not be back on until XXXX XXXX when I receive my next check. I will not be able to contact anyone until then. In the meantime, all I ask is to refund the excessive fees back into my account.
Consumer complaint received 2024-07-25
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Coast to Coast Financial Solutions, Inc. (CA)

I have made contact with Coast to coast five times and have disputed this claim. I have asked for proof of debt and was told it had to be submitted in writting. I did that send a request that very day. I just recieved another form from them and when called they claimed they have not recieved the written request. I was never informed until today I could have submitted it online which I have done. I feel as though I am not being treated fairly in regards to this claim which is a FALSE claim to start with.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights. 

Account # XXXX Account Name : U S DEPT OF ED/XXXX Account XXXX XXXX Account Name : U S DEPT OF EDXXXX Account # XXXX Account Name : U S DEPT OF EDUCATIONXXXX Account # XXXX XXXX Account Name : U S DEPT. OF EDUCATION/XXXX  Account # XXXX XXXX Account Name : US DEPARTMENT OF EDUCATION Account XXXX XXXX XXXX  Account Name : US DEPARTMENT OF EDUCATION Account XXXX XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX  XXXX Account Name : XXXX XXXX XXXX Account # XXXX  XXXX Account Name : XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A : States that 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 an account without my written instructions.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (KY)

The PNC app has been down since yesterday morning around XXXX XXXX  ( XX/XX/24 ). PNC has not released a statement or offered any kind of guidance for when the app would be up again. We are currently on Day 2 of the outtage, with no statement released by PNC. ALL Communications has just told us to be patient. I cant pay my rent. They need to be investigated throughly as this is not acceptable. I have reached to them on XXXX with no response as have thousands of other people.
Consumer complaint received 2024-08-05
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: Self Financial Inc. (IL)

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 168.SELF XXXX XXXX XXXX XXXX XXXX : SELF FINANCIAL/LEAD BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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