davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I was banking with USAA. Last month in XXXX there was fraud on my account. The bank because of this has decided to close my account indefinitely. From my job I have my paychecks direct deposited. I had a check of XXXX direct deposited back on XX/XX/XXXX. I was advised at first that I would not receive these funds for another XXXX days. I quickly contacted my employer to have then stop the direct deposits immediately and to send a paper check until I can find another bank to bank with. They forgot to stop the direct deposit and USAA received another direct deposit last Thursday of XXXX. I contacted the bank and advised that my company will recall the payment so that it then could be mailed to me. The person I was speaking advised that they were still showing a pending status on the funds and recalling the check would be allowed and then a paper check will be able to be mailed to me. Fast forward to today I noticed that the check that was supposed to be recalled is still sitting in my bank account. I called Usaa and spoke to several people and they are all telling me that because my account has been closed they will not release that money back to my employer so that I can be paid. They again advised me that I will NOT receive any monies for another XXXX days. The account has been closed with money in the account and now with my money sitting in an account that can not be used all of my bills are going to be beyond late and I will encounter late fees. Hopefully someone will be able to help me get my money back. USAA XXXX of their employees even told me to seek help from the Government to pay my bills while my money sits in their establishment. 

Thank You XXXX XXXX
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I hope this message finds you well. I am reaching out regarding an issue with my XXXX XXXX account, as reported on my credit report. 

The report shows one instance of a missed payment for this account. However, there are several months where no data is reported at all, leading to an inconsistent and potentially inaccurate record of this account 's standing. 

According to the Fair Credit Reporting Act, all data reported on a credit report must be 100 % accurate. In this case, due to the inconsistencies and potential inaccuracies, it appears this standard has not been met. 

These inconsistencies are negatively impacting my credit score. I respectfully request your assistance in rectifying this situation by removing this account from my credit report, due to its potentially inaccurate reporting. 

Thank you for your prompt attention to this important matter. 

Best regards, XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

This is my second time submitting this complaint to Comenity bank and I do need it resolved as soon as possible. The previous response I received says that because I submitted my information, I gave them authorization to report a hard inquiry. This is absolutely not true. On XX/XX/year> I did a PRE QUALIFICATION check for Alphaeon credit through Comenity bank. It specifically said it would not affect my credit and would not be a hard inquiry. This was written in big letters, before I submitted my information, see attached screenshot of website. I now have a hard inquiry on my XXXX credit report. This is impacting my credit negatively and I did not authorize this. I need this removed as soon as possible please. Thank you!
Consumer complaint received 2024-08-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MN)

I filled out the Navient+School+Misconduct+Application and submitted it with evidence of my schools predatory misconduct. I requested the balance of {$7300.00} to be forgiven. Original loan was for {$12000.00} which was disbursed on XX/XX/XXXX. This loan has an interest rate that now has increased from originally 9 % to currently 10 %. I have been paying on this loan for 16 years and still owe {$7200.00}. 
I submitted this application on XX/XX/XXXX. I receive a denial letter on XX/XX/XXXX. The denial letter stated that " I did not meet the requirements for discharge based on misconduct by your school ''. I originally had two loans from Navient. The other was for {$9500.00} which I have paid in full. I have never been late on my payments and have been very responsible in paying these loans.

This is really not a satisfactory reason considering the amount of information needed and time involved in filling out this application to be denied when this school and all of its locations have been closed due to their predatory behavior. I am one of XXXX students that have had their federal student loans forgiven because of this schools predatory actions. Seems to me that is evidence enough of XXXX XXXX XXXX XXXX schools predatory misconduct.
Consumer complaint received 2024-08-07
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/year> I had did my daily check on my XXXX XXXX and I noticed it went down XXXX points. So checked my report and saw that there was a hard inquiry placed on my report. There was a credit card application for capital one on the XXXX I didnt do the application.
Consumer complaint received 2024-08-07
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

Despite my previous request, Transworld System Inc. did not provide all the necessary information required for validation under the Fair Debt Collection Practices Act ( FDCPA ). While the account was closed, it has not been removed from all three credit bureaus as needed. 

I request that this item be deleted from all three credit bureaus immediately. Failure to comply will result in further action to enforce my rights. Below is the letter that has been sent and the receipt that they have got the letter by certified mail. 1. Verification of the amount of the debt, including a detailed breakdown of all charges and fees. ( Not received ) 2. Verification that you are licensed to collect debts in my state. ( I need proof you can collect in Texas ) 3. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt. ( Not received ) 4. A complete payment history, detailing all payments made and any credits applied to the account. ( Not received. Ask for complete payment history include credits ) 5. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt. ( Not recieved )
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (MA)

To Consumer Financial Protection Bureau Subject : Formal Dispute of Unauthorized Credit Inquiry by Ally Financial I am writing to formally dispute an unauthorized hard inquiry appearing on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). The details of the inquiry are as follows : Company Name : Ally Financial Inquiry Date : XX/XX/XXXX Scheduled Removal Date : XX/XX/XXXX Business Type : Auto Financing Companies Contact Information : Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone Number : ( XXXX ) XXXX Legal Violations : Unauthorized Inquiry : The hard inquiry by Ally Financial was made without my explicit consent. I did not apply for credit or any related services with them. Under the FCRA ( 15 U.S.C. 1681b ), a credit inquiry requires the explicit consent of the consumer. 
Misleading Practices : I believe the inquiry was conducted under misleading circumstances, which further exacerbates the violation of my consumer rights. The FCRA emphasizes the need for transparency and consent in credit reporting.

Violation of Consumer Rights : Under the FCRA ( 15 U.S.C. 1681c-1 ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. This inquiry is both unauthorized and inaccurately presented on my credit history. 
Potential Harm and Liability : The presence of an unauthorized inquiry on my credit report negatively impacts my credit score and may affect my ability to obtain credit in the future. The FCRA ( 15 U.S.C. 1681n ) provides for damages if a credit reporting agency willfully fails to comply with any requirement imposed by the Act, including unauthorized inquiries.

Request for Action : I hereby request an immediate investigation into this matter and demand the removal of the unauthorized inquiry from my credit report, ( XXXX, XXXX, XXXX ). The misleading nature of the inquiry underscores the need for prompt corrective action. Failure to rectify this situation will result in my filing a formal complaint with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). I may also pursue legal remedies for any damages incurred as a result of this violation. 
Please confirm in writing the removal of this inquiry and provide me with a revised copy of my credit report showing the correction. 

Thank you for your prompt attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is my several requests but still, the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$530000.00} XXXX XXXX Balance : {$260.00}
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NJ)

jefferson capital Re : Validation of Debt and Cease and Desist Notice Account Number : # XXXX To Whom It May Concern, I am writing to formally request validation of the debt referenced above. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a detailed validation of the alleged debt. Please be advised that statements alone are not sufficient evidence of a debt, as established by the case XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 

Accordingly, I am requesting that you provide the following documentation : A detailed accounting of the alleged debt, including the original creditors name, the amount of the original debt, and a complete transaction history. 
Any and all relevant agreements, contracts, or documents bearing my signature that would indicate my obligation to pay this debt. 
Furthermore, I am issuing a cease and desist notice. This includes the following instructions : Cease and Desist All Communication : Do not contact me further in any manner, including but not limited to, phone calls, letters, emails, or text messages.

Cease and Desist from Reporting to Consumer Agencies : This notice also includes a demand for removal of this account from all consumer credit reports.

Please be advised that any continued communication, including reporting this account to consumer agencies, will be considered a violation of this cease and desist order. 

Litigation Costs : Should it become necessary to pursue litigation due to your failure to comply with this request, the following are estimated costs associated with such action : Filing Fees : {$350.00} Service of Process : {$100.00} Legal Representation : {$200.00} per hour ( estimated 10 hours ) = {$2000.00} Court Costs : {$150.00} Miscellaneous Costs ( e.g., document preparation, travel ) : {$100.00} Total Estimated Costs : {$2700.00} Please consider this letter as a formal notice of my intent to seek redress through legal means if necessary. I expect your prompt action to cease all further communication and to remove the account from my consumer reports. 

I appreciate your immediate attention to this matter. Please send written confirmation of your receipt of this letter and your compliance with my requests. 

THANK YOU
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TRANSUNION Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$7300.00}
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

Please See Attached Files Experian continues to employ unlawful and unfair business practices regarding personal information and accounts being reported to my credit file. Even after numerous attempts and requests, they consistently violate my consumer rights afforded to me under the FCRA. I asked that you review the attached documents thoroughly and honor my request to have all referenced personal information removed.
Consumer complaint received 2024-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA (CA)

I had a CD at Marcus ( Goldman Sachs ) scheduled to mature XX/XX/year> for which I gave instructions as follows : close account and transfer proceeds ( {$260000.00} ) to my checking account at another bank ( XXXX XXXX ). I looked online at my account and it appears that the CD matured on XXXX and a transfer initiated. But on XXXX it shows that Marcus reversed the transfer and the proceeds are back at Marcus.

I called to ask why, and the agent after verifying my SSN, birth date and secret word transferred me to " security '' so they could verify my identity. Security asked me the same questions and asked for an alternate phone number. I don't have an alternate phone number. He asked vague questions about prior addresses and major cross streets and then told me my identity could not be verified ; so the fraud investigation department would call me in 3 to 7 business days to send me an affidavit that I would have to fill out and get notarized to prove my identity.

This entire process has not been like any other identity verification process I have experienced at other financial institutions. I suspect Marcus is intentionally bogging down my withdrawal process. When I searched this issue online I see that many others are experiencing the same runaround.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (GA)

On Friday XX/XX/2024 I received a payroll direct deposit from XXXX XXXX XXXX XXXX at XXXX. I am a XXXX XXXX XXXX XXXX in the state of Georgia. This direct deposit was for my earnings last week. I attempted to use my debit card for gas at racetrack. The transaction was denied, as were all charges I attempted to make. The bank flashes a message on the screen telling me my account is under review. I attempted to call and speak with someone. I did speak with someone who told me that the department reviewing my account does not communicate with their customers. They do not accept phone calls. I was asked to upload several documents via email. I provided my social security card, a picture of my drivers license, a picture of my face next to the drivers license, a tax return and a utility bill. I uploaded all documents requested and called back. I was told they received them. That was Friday morning. I was told to wait 2-3 days. Now its Monday. They are still keeping me from using my money and have my account locked for no lawful reason whatsoever. This is a negligent abuse of power and has now damaged me financially. I was unable to pay my rent and unable to feed my family. I was unable to pay any bill. I am late now on bills which will lower my credit score significantly. This bank is engaging in fraudulant activity by wrongfully withholding my direct deposit.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-05
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Eagle Financial Services, Inc. (OH)

Eagle Loan continued to offer to increase my loan to a payment I could not afford. The loans were increased over the phone and no disclosures were given to me until after funding. I had no idea of the actual cost of my loan. 

They sent me a hand written letter threatening to contact my employer!!! Total violation of FDCPA! 

The last lending amount was {$2000.00} and now they billed me for almost {$4000.00}. I tried to make payment arrangements of which they would not work with me. 

I need help. This is pure violations of TILA and UDAAP if you look into their lending!
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (AR)

In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Chase Bank shared my credit card account information ending in XXXX to a person that is not listed on my account on XX/XX/year> stating inappropriate conduct on calls with specialist which is defamation of character by Chase because that is simply not true.my rights were violated by that statement to someone not including on that account.I have included the discriminatory letter violating my privacy.

15 U.S.C 1681 section 602 ( A ) states I have a right to privacy.
Consumer complaint received 2024-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUN LOAN COMPANY INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Sun XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XXXX, XXXX XXXX  To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Sun Loan XXXX Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX ) & ( XXXX XXXX XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2024-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (IN)

I received a text message from Harris & Harris Debit Collector on XX/XX/year> stating that I owed XXXX XXXX payment. I then clicked on the link to see what it was about it showed that I owed {$1800.00}. I IMMEDIATELY called XXXX XXXX and they confirmed that I was at a XXXX balance. They told me to contact Harris & Harris. I then made a phone call to Harris & Harris and let them know XXXX is stating I have no balance with them. They then proceeded to say well thats not what they say to us. I have asked to call or write to XXXX XXXX about this. I am still being contacted over this debt that isnt owed almost a month later.
Consumer complaint received 2024-08-05
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Upon checking my credit report I noticed multiple unauthorized inquiries on my credit report I did not authorize due to the fact my wallet was stolen and ID along with my SSN card was stolen. I called XXXX credit reporting agencies today about XXXX as instructed to by my local police department crime report # XXXX and requested that the identity theft unauthorized inquiries be removed immediately and XXXX only removed 2 of them so now I have to dispute unauthorized inquiries with the actual companies are such as follows : 1. XXXX XXXX XXXX XXXX XXXX 2XXXX XXXX XXXX XXXX- XX/XX/24 3. XXXX XXXX XXXX XXXX Remove all unauthorized inquiries thank you for your understanding. Attached is a copy of my policy report for the identity theft report.
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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