davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (CA)

I had just signed up for a Discover checking account this summer as I can not afford a better bank, it was free. I was just emailed my account would be closing and told I couldn't get any further information about it or the reasoning at the time, so of course I called customer service to try and see if I could get a better description as to why. I was told the same thing and that they couldn't see any further as it was a " business decision ''. I just got my first check with a new company I am working for, not even all of the check could be deposited at one time, it all got put onto hold for the XXXX and XXXX of XXXX and I was told the money on hold would be sent back to my employer. 

Zero reasoning and unable to open a new account because I already have one " in my name '' even though it is closed. I am only XXXX and the only provider for my family at the moment, I really need my check and a literal bank account.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

The company is Care Credit, located in Ohio. My husband has an account with Care Credit. I was an authorized user. He has had a XXXX balance for a long time, but since I am an authorized user, his credit limit with them which is {$5500.00} is listed on my credit report as part of my credit usage. This has resulted in my credit utilization being high, which results in XXXX lowering my credit score. I called to ask Care Credit to close my account and to remove their listing on my Credit Report. They said they would close it and write a letter to XXXX, to remove it from my credit report. That was months ago. Sorry I dont have the exact time that I called in, but my account is closed as I spoke to another representative this morning who confirmed it. I asked the representative to please have the listing removed from my Credit Report and was told she couldnt do anything about it. I tried calling XXXX and it's next to impossible to get through to a live agent. I would appreciate it if this account, listed as SYNCB/CARE CREDIT on my XXXX Credit Report is removed. My phone number has changed. My phone number listed is incorrect my new number is XXXX.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

{$5000.00} was stolen from my bank account XX/XX/XXXX around XXXXXXXX XXXX. I instantly notified Navy Federal and begged if they could stop the pending transaction and asked if Navy federal can retrieve my money back by going into the persons account and I was told no I would have to wait until the transaction was posted and put a fraud claim in. So I did as instructed, XX/XX/XXXX I put in a fraud claim and I set up a new bank account and ordered a new debit card and when I put in that fraud claim I attached my police report to my fraud claim. XX/XX/XXXX I received a letter in the mail stating verbatim After a thorough investigation, we have concluded that no error occurred based on account activity. You are responsible for the full amount of the claim, {$5000.00} XX/XX/XXXX I called Navy federal representatives during their normal business hours and sat on the phone for more than 2 hours to request information regarding why Im responsible for the amount of {$5000.00} and I was informed my fraud claim is considered a domestic dispute and I would need to take it up with the police department.
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: Experian Information Solutions Inc. (FL)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- UNAUTHORIZED INQUIRY 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-07
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)

In accordance with the Fair Credit Reporting Act, illegitimate Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. have 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 credit reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c2 - states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these illegitimate Accounts have violated my rights. Negligence and Willful Non-compliance.

I am prepared to sue all parties involved. All Actual, Statutory and Punitive damages will be enforced. Up to 1k per month per illegal reporting.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are several errors, including the balance due, and date account was opened. Because of this, I have requested a proof of Debt on 3 separate occasions. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The first and second time it was over the phone, and the 3rd time I called to ask where it was, and why I had not received it. I got up to the manager who said she was not sure why I had not received the proof of debt requested. She seemed very confused, and stated that she had requested it for me the last we spoke. She said she could request another, but because I had already been thru that twice before, I asked if there was any way that I could speak to the department responsible for sending them out. So, after XXXX on hold ( literally ) she comes back with an email. So I disconnect the call, and send them an email requesting, for the 3rd time, the proof of debt. They respond, saying that they had not sent it to me because in order to receive a proof of debt, I was required to MAIL them a copy of my drivers license, and only then would they send it. Now, keep in mind, this was not what they told me the 1st 2 times that I called. During those conversations, the employees ASSURED me that I would be receiving the documents requested within 14 business days. So, I really believe they are making it impossible for me to receive this proof of debt. I have an email where I asked them " Are you now stating that you will not be sending me a proof of debt if I do not mail you a paper copy of my drivers license? '' and they refused to answer the question. Again, I spoke to several people before this particular interaction, and they assured me that they would be sending me the proof of debt. Now, they're spinning me in circles so that I will just give up, and they wont have to send it. This account needs to be removed from my record because I have requested the proof of debt on several occasions, and they still have not sent it to me.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (VA)

I filed a complaint with CFPB earlier and a person named " XXXX '' from Wells Fargo contacted me. 

Complaint # XXXX He ensured that he will look further into the issue after I brought certain details to his attention. We agreed to have another discussion when we ended the call at XXXXXXXX XXXX EDT on XX/XX/year>. But, I'm surprised to see that he closed my complaint # XXXX.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-26
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. (IL)

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 15 U.S. Code 1681e ( b ) Accuracy of a Report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX  - ACCOUNT # XXXX ], Payment Status is not reporting correctly, Worst Delinquency is not reporting correctly, Original balance is not being reported correctly, Current Balance is not being reported correctly, Date last active is not being reported correctly, Past Due amount is not being reported correctly, date of last payment is not correct, this account is not accurate.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

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 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-26
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. (LA)

I have disputed with this Creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ,and XXXX, I requested bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has taken over XXXX days to update my account and perform an investigation. The creditor has illegally re-aged my date late.active from XX/XX/XXXX to XX/XX/XXXX. XXXX is missing date, last active and is unverifiable. XXXXExperian failed to update my account and do a proper investigation. The creditor last reported on my account XX/XX/XXXX even though I sent my dispute XX/XX/XXXX Today 's date XX/XX/XXXX I have not received an update of a Re-Investigation from the creditor.
Consumer complaint received 2024-07-07
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. (FL)

This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statue of Limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account from my report immediately : Account name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX.
Consumer complaint received 2024-09-24
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. (TX)

I have noticed several unfamiliar items on my credit report, which leads me to believe my identity may have been compromised, as I did not authorize these accounts. I have raised this issue previously and am now requesting that these accounts be removed from my report promptly. Their presence is causing significant stress and misrepresents my true credit history and financial management. This situation has been challenging, and if it is not resolved, I am prepared to take legal action to protect my rights and seek a resolution. 

These incorrect items are severely impacting my financial goals, including buying a home and supporting my family. I trust that we can address this issue swiftly.
Consumer complaint received 2024-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (FL)

Planet home lending escrows the cost of insurance. The policy needed to be put in place in XX/XX/year>. I obtained a proposed insurance policy and contacted Planet to get their approval of the policy. Planet confirmed both in writing and by telephone in XX/XX/year> that the insurance policy I proposed was acceptable to Planet. Then Planet paid for the insurance policy charging my escrow account for the premium. 

Months later, Planet wrote me saying that the insurance that they approved and charged my escrow account for is insufficient and force placed a new policy costing over {$20000.00} extra. I have written Planet at least XXXX times since this new policy was force placed demanding that Planet remove this cost from my escrow company.

While Planet has acknowledged receipt of my complaint, they have refused to refund this extra cost charged to me.
Consumer complaint received 2024-07-07
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. (FL)

This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statue of Limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account from my report immediately : Account name : XXXX XXXX XXXX XXXX  : Account Number : XXXX.
Consumer complaint received 2024-07-07
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. (NJ)

XXXX XXXX has failed to provide validation information as required by law but has proceeded to report the collection account on my consumer report. This action has deprived me of the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Use of False, Misleading, and Deceptive Means : XXXX XXXX has engaged in false, misleading, misrepresentation, and deceptive practices in their collection attempts, which is a clear violation of consumer rights. 
Failure to Provide Required Disclosures XXXX XXXX XXXX  has furnished accounts to consumer reporting agencies without providing the necessary disclosures as mandated by law, thus violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 
I urge the Consumer Financial Protection Bureau to investigate these violations thoroughly and take appropriate enforcement actions against XXXX XXXX. I also request that any negative reporting related to this disputed debt be removed from my consumer report until a valid verification is provide.15 U.S Code 1692c ( identity theft. They are the original creditor, This is an attempt to collect a debt all illegal. They havent validated anything
Consumer complaint received 2024-09-22
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SANTANDER HOLDINGS USA, INC. (NY)

Complaint Regarding Deceptive Practices by Santander Bank Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Santander Bank regarding what I believe to be deceptive and unethical practices. As a customer of Santander Bank, I have encountered several troubling issues that I feel warrant your immediate attention. 

Summary of Issues : Misleading Information About Loan Terms : I was provided unclear and misleading information about the terms of my personal loan product. Despite repeated inquiries, the representatives at Santander failed to explain crucial aspects, such as interest rates, hidden fees, and early payoff penalties that was not in my initial contract upon taking out a personal loan of {$25000.00} on XX/XX/XXXX. I was told there is a {$0.00} I will have to pay to close out this loan and also was told that the same goes for credit card accounts, which doesn't make sense Improper Billing and Payment Handling : I have experienced numerous instances where Santander improperly applied interest payments, even though payments were made on time and in full to close the loan on XX/XX/XXXX. When I contacted customer service to resolve these issues, they were unhelpful and dismissive, failing to rectify the mistakes after I told them my contract stated there is no penalties for paying off the loan in full early. 

Unjustified Account Fees : I have been charged excessive and unwarranted fees that were never disclosed to me when I opened my account. These fees were applied in a manner that contradicts the terms initially agreed upon. As of XX/XX/XXXX the loan amount was {$22000.00} was the reflecting balance and a payment in the said amount was made on XX/XX/XXXX to close out the loan. withing 20 days after the full payment was made Santander started charging additional interest of {$220.00} instead of closing the loan, I was told by a representative that they took out XXXX payment which was not due in XXXX when they received XXXX payments. 

Failure to Provide Accurate Account Information : Despite requesting detailed statements and records to clarify the confusion around fees and payments, Santander failed to provide transparent or accurate information. The customer service agents consistently gave conflicting responses, making it difficult to resolve my concerns. 

Impact on Me : These deceptive practices have not only caused me financial strain but also significant stress and frustration. The lack of transparency and accountability from Santander Bank makes it impossible to trust the institution with my finances, and I believe other customers XXXX be facing similar issues.
Consumer complaint received 2024-09-26
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)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.