davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cash Link USA, LLC (KS)

I have been sued by the company without notice of the debt. 
The company is, XXXX XXXX XXXX, they represent Cashlink USA .

on 04/23/2024, they filed the lawsuit in court. 
On XX/XX/XXXX, I was served the notice. 

I was very confused, I did not remember this debt or company. 
I wrote an answer to the summons and a pre-trial date was set. 

In that time, the company did not serve me notice of the debt. 

I sent the company a discovery request for all documents. 
The documentation sent to me confirmed the last date I was contacted about this debt was XX/XX/XXXX. This notice was about making a late payment, and did not present the proper letter. 

This company skipped the entire debt collection process required by the The Fair Debt Collection Practices Act, and just sued me. I was unable to verify the debt, have the chance to make an agreement or pay it off.

To add more confusion to the issue, they also claimed on their lawsuit as follows " Though often requested, Defendant ( s ) has failed and refused to pay the amounts due and owing. Plaintiff has had to employ an attorney, a process server, and pay court costs, to its damage. '' Which confused me as I thought perhaps I had missed communication but I had not.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (GA)

incorrect information was shared on my report without my knowledge. I have been wronged on multiple fronts. They have a responsibility to perform in accordance with FCRA 15 usc1681 section 602.REFERENCING account with credit acceptance opened around XXXX account ending with XXXX on a XXXX XXXX. I am the consumer and have the right to privacy in accordance with the 15 usc 6801. I also point to15USC 1681 section 604 section 2 states subject to subsection ( c ) paraphrasing but in accordance with the written instructions of consumer whom it relates. It is my wish to see all that are negatively affecting my credit removed. If I unknowingly gave permission it now considered revoked. 15 USC 6802 ( b ) ( c ). Never was I Informed of my right to exercise nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states except authorized under subsection ( b ) ..time restraint. This account along with others reporting is without my consent and against 15 USC1681 s-2 ( a ) ( 1 ) as well as 15 USC 1681e `` reasonable procedures '' XXXX and XXXX are not maintaining reasonable procedures 1681b which is why I am opting out .12 CFR 1016.7- as well account with XXXX XXXX XXXX  opened around XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (PA)

I have purchased 2x XXXX giftcards on XX/XX/year> with the amount of {$500.00} on each. I tried to use it at a store ( XX/XX/year> ) but it was declined and I reached out to Incomm. The CSR said a replacement is needed ( XX/XX/year> ). I provided my address and CSR confirmed it. 

I was given a timeline of when the replacement card should expect to arrive. I never received the card and reached out again. Another replacement was issued for both of these cards. After nearly a month of waiting for replacements, the cards arrived ( XX/XX/year> ) only to have nearly no balance left on them. The cards were used without my permission ( likely from the 1st replacement cards ). I filed a dispute with Incomm and they did not approve of my case.

Of the two {$500.00} cards, only {$31.00} and {$18.00} are left on the cards.The cards were used very suspiciously as the transactions occurred at XXXX during outside of business hours ( XXXX and XXXX ).
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (SC)

I am filing a 3rd complaint against Equifax Information Services. After learning that my personal information was exposed in late XX/XX/XXXX, I made a request to all XXXX agencies. Only Equifax refuses to provide my report. Violation of Federal law. I have 2 other open complaints with CFPB because they keep sending me the same letter requesting information that has already been sent to them. I have submitted all of the information Equifax requested on 2 occasions. I can't keep paying the post office because Equifax is either losing things or simply aren't doing their job. I am retired and do not a pay stub or XXXX. The SS card was submitted but I am not submitting it here per your guidelines. I provided multiple items that prove my current address and even sent them a page of last credit report they sent me in XXXX.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

2014 I moved to XXXX Maryland, XXXX XXXX XXXX XXXX Maryland XXXX. 1. Home belong to XXXX XXXX, died. She had a checking account at sun trust bank down the street, and am her beneficiary of her estate. 
As her legal Aires, I support the checking account today, and. I lost all checking accounts number to sun trust bank of XXXX Maryland. Fraudulently, change of logo, sun trust to trust bank is fraud. COVID VIRUS incident. No. It's a bank takeover of the department of the airforce. 
XXXX XXXX checking account is a beneficiary account. Supported by legal aire by XXXX XXXX ESTATES
Consumer complaint received 2015-04-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION (CO)

Navy Federal Credit Union locks me out of my account whenever my car loan is late. I am completely locked out. This is a problem for a number of reasons. I can not follow my balance, I ca n't remotely deposit pay checks, this practice seems absolutely absurd. Everytime it happens I have to call and talk to someone, wasting everyone 's time to unlock my bank account. 

Blocking my bank account t seems unethical, if not illegal.
Consumer complaint received 2024-09-04
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)

XX/XX/XXXX, I sent a dispute to Transunion regarding account XXXX XXXX XXXX # XXXX inaccurate credit reporting. XXXX XXXX XXXX is in violation of the violation for an " aged account '' typically falls under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681c.XXXX XXXX  XXXX reporting in the comment section ( report # XXXX ) " Estimated month and year that this item will be removed : XX/XX/XXXX ''. However, XXXX XXXX  XXXX also reports that the Last Payment Made XX/XX/XXXX. This aged information is reporting inaccurately. The actual time for the account to be removed from the credit report would be XX/XX/XXXX ( 7-year period for these types of accounts to remain on a consumer 's credit report. 

" Time Limit on Reporting Adverse Information : Most negative information, such as collections, charge-offs, and late payments, can only be reported on a consumers credit report for seven years from the date of the first delinquency that led to the negative action. After this period, the information should no longer appear on the credit report. '' I am requesting that this account be deleted from the credit report due to the account reporting inaccurate information and aging the account, which is a violation and an updated credit report be sent to me reflecting the deletion
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

XX/XX/XXXX : I tried to use my card and it was declined, around XXXX XXXX. 
I called Synchrony : Sam 's Club and they informed me that where I had a payment returned, I was considered high risk and they closed my account. Even though I had not missed a payment. I actually pay well above my minimum payments each month. Since My TJ MAXX card is also with Synchrony, I have now had XXXX accounts closed that will be reported to the credit bureaus XX/XX/XXXX. 

Payments made and the return payment info listed below : On XX/XX/XXXX, I made a {$2000.00} payment that posted. My minimum payment required was under {$150.00}. My payment was due today, XX/XX/XXXX. I also have autopay set up for {$500.00} every month so I do not miss any payments. 

I was trying to make additional payments from another account to pay off my credit card amount. I input the account number in wrong on XX/XX/XXXX for the amount of {$4600.00}. When I realized it had not posted on my account, I tried to make another payment from the same account and I noticed I left one number on my account number out. I fixed this error on XX/XX/XXXX and set up the second attempt to pay from this account for the amount of {$5300.00}. This payment was returned. The Credit Card company said that the account was closed and the bank returned it. We have since called the bank, on XX/XX/XXXX, and the account is in fact NOT closed. The bank shows that it was the credit card company that returned the payment and not the bank. 

All I was trying to do was pay off my entire balance, from XXXX accounts, while I still made a {$2000.00} payment, which was way above the minimum payment due for the month.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2021-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OR)

I'm sorry to get you involved again but PHH Mortgage has lied again. 
XXXX XXXX at XXXX XXXXXXXX XXXX says that they don't own the loan. I was told in XXXX that they did. PHH Mortgage wrote me a letter XXXX XXXX to me and said the same thing. 

PHH Mortgage sent a piece of paper to Oregon Forclosure XXXX XXXX and it stated that XXXX XXXX still owes it. All this time waste and PHH Mortgage is at Fault for not having the loan paid off not me. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: JPMORGAN CHASE & CO. (CA)

I had an XXXX  XXXX account with first republic bank in XXXX XXXX, CA that yielded around 4.7 % over a XXXX  month period. I had an arrangement with my rep that when it was about to mature, she would call me and go over my options. In XXXX of XXXX, I received a letter instead of the usual call notifying me of the impending expiration of the XXXX  with it stating : Unless we receive other instructions, your XXXX  will mature and automatically renew on XX/XX/year> for the same term and annual percentage yield published on the maturity date of that term. Since I was happy with the terms as I had originally agreed to, I took no action. XXXX XXXX was then acquired by chase. I have never received any correspondence from chase so I went to my local branch to check on my XXXX  and see if I could get a bank rep assigned to me. What I learned is that when the XXXX transferred from XXXX XXXX to chase, chase took it upon themselves to reassign my XXXX  from XXXX yielding approximately 4.7 % interest to another product offering just .01 %. Mind you, I never approved of this transfer. When I asked them to transfer it back to an account similar to the one I had at XXXX XXXX, I was told that I would incur a {$2500.00} penalty ( the XXXX has a value of approximately {$250000.00} ). I dont think I should be subject to this penalty since, apparently, I was the victim of the acquisition. can you help?
Consumer complaint received 2024-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (GA)

In XX/XX/XXXX, I took out a {$13000.00} loan from Wells Fargo to pay someone who turned out to be a scammer. The scammer contacted me via email and requested money to pay the FBI. Unfortunately, I lost a total of {$27000.00}, which includes the {$13000.00} loan. I discovered the scam when I conducted my own investigation and reported the incident to the FBI. I immediately notified Wells Fargo, XXXX  XXXX XXXX, the police department, and the FBI, filing an XXXX report. 
I made a few payments on the loan but still owe {$12000.00}. On XX/XX/XXXX, I was contacted by XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX., a debt collection agency representing Wells Fargo. I explained my situation and requested a dispute, as I am currently facing severe financial difficulties. I provided the debt collector with supporting documents, including my FBI complaint, fraudulent emails, a breakdown of my {$27000.00} loss, and details of the scammer. Despite this, Wells Fargo declined the fraud claim. 
I have tried to recover the lost funds through both of my banks and the scammers bank, but I have not received any refunds. The loan was never used by me for any other purpose. Since XX/XX/XXXX, my bank accounts have been hacked, putting me in a difficult financial position, and I am struggling to pay off credit card debt, rent, and other bills. Given these circumstances, I am unable to pay the remaining {$12000.00} and am seeking assistance to dispute the debt. 
You can refer to the full details of my experience in the XXXX report I filed with the FBI and in my correspondence with the debt collector. I also have a police case number related to this incident. Thank you for your understanding.
Consumer complaint received 2022-02-03
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. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2019-07-30
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: EQUIFAX, INC. (NC)

After multiple attempts to dispute an account that was previously removed by Equifax due fraudulent activity Equifax has continuously denied me my legal right under the Fair Credit Report Act section 605b and section 611 by not blocking the fraudulent account : XXXX XXXX. Not only have denied me my right as a victim of identity theft, they have not giving me any justification other that they have received electronic verification from the aforementioned lender, the FCRA states that I am entitled to full disclosure from the credit reporting agency.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (PA)

My SSDI income went to XXXX I had mortgage an national general insurance gave me check {$15.00} an I gave them XXXX contractors all want more money my house fire XX/XX/year> XXXX & I took me civil court to knock my house down from fire judge said wait on mail I got the mail Thanksgiving they knock my house down social security said they want all my payment to go to same back XXXX was set up at XXXX  bank they closed my account 2 years my direct deposit go to TD now XXXX I had that owe them Visa had mortgage XXXX said XXXX bank got my money XXXX payments {$2400.00} XXXX bank XXXX XXXX gave me email XXXX paid for my XXXX they closed my account arbitration on term amhfcu Avid XXXX XXXX serve XXXX XXXX
Consumer complaint received 2024-09-04
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. (PA)

Letter submitted to XXXX Transunion XXXX XXXX in XX/XX/year>. Again thru their portals. Each bureau is reporting charge offs, past dues & balances owed on discharged accounts. Nor do they have comments and remarks in comment section " dischaged ''. These errors are keeping me from getting a fresh start and being denied credit. It's against bankruptcy laws.
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My Bank of America card was charged by AAA without my knowledge, and I did not get any bills from ( BOA ). No phones, no email, no message. Finally, I get bill from BOA and up on calling them I land up paying for no fault of mine. The BOA Person assured me that my account is clear and a " XXXX '' balance. I told them to cancel all my cards with their fraudulent bank. the chapter was closed. 
Now I am getting bills from BOA with a late fees and accrued interest charges. 
The account was closed with a " XXXX '' balance. They took away my {$1500.00} ( XXXX XXXX XXXX XXXX Dollars ) Cash Back Bonus. CHEAT, FRAUDS. 
I just want to inform that this is the type of fraudulent practice BOA is running ( SCAM ). 
They have XXXX ( LOBBYIST ) Who are supported by Senators and Congressmen. 
We consumers have to suffer. WHAT A SHAME. I REFUSE TO PAY THIS AMOUNT THEY ARE DEMANDING SINCE IT IS NO FAULT OF MINE AND THEY CLEARED ME OUT. 
If no one can look into this then what I presume is that our US Government is no less than government of other countries ( XXXX, XXXX, XXXX, XXXX ) where bribery is open. 
Here too. Senators and congressmen are wooed to and the attitude is who cares about consumers. WHAT A SHAME.
Consumer complaint received 2024-09-04
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. (FL)

I called Transunion XX/XX/year> & XX/XX/year> to have a dispute from XXXX XXXX XXXX deleted from my account. Each time, I was told it was removed. With the second call, I was also told there was no remark. I need the dispute deleted in order to move forward with the equity application for my mortgage. As of today, the dispute remains on my credit. I reached out to Transunion multiple times today without resolution of the issue.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My Information was Exposed in a XXXX XXXX and it is reporting incorrect information. It is showing a bankruptcy, and XXXX incorrect information such as XXXX XXXX XXXX XXXX XXXX XXXX. Per the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX. A report with FTC was also made
Consumer complaint received 2023-11-22
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. (AR)

I hope this letter finds you well. I am writing to express my continued frustration and dissatisfaction with the unresolved issue concerning the late open accounts entry on my credit report, despite multiple attempts to correct this discrepancy. 

As detailed in my initial complaint, I reported an inaccuracy in my credit report concerning the late opening of an accounts. Despite my efforts and your acknowledgment of the issue, the problem persists, adversely affecting my creditworthiness. 

I submitted a follow-up dispute, providing additional documentation and clarification to support my claim. Regrettably, subsequent to this second attempt, the late open account remains on my credit report, and I have yet to receive a satisfactory resolution to this matter. 

I understand that the credit reporting process involves careful investigation, and I appreciate the importance of accuracy in credit reporting. However, the prolonged presence of this erroneous information is causing undue stress and negatively impacting my financial standing. 

I urge you to expedite the resolution of this matter by conducting a thorough and timely investigation into the late open accounts entry on my credit report. It is my expectation that all necessary measures will be taken to rectify this situation promptly, ensuring the accurate representation of my credit history. 

I request your immediate attention to this matter and insist on receiving clear communication regarding the steps being taken to address this issue. As a responsible consumer, I have consistently provided the required information to facilitate a comprehensive investigation, and I expect the same diligence from 3 Credit Bureaus. 

Please keep me informed of the progress made in this investigation and provide a specific timeline for the removal of the late open accounts from my credit report. I believe that prompt action on your part will help restore the accuracy of my credit information and prevent any further negative impact on my financial well-being. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$13000.00}.