davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my credit report recently. I have made previous attempts to fix this issue directly with them.
Consumer complaint received 2024-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

On XX/XX/XXXX, payment confirmation XXXX, old Mohela account number XXXX, The full amount of loan ( Direct Unsubsidized Stafford Loan, payoff {$3500.00}, loand # 7, disbursement date XX/XX/XXXX, was paid off. I have the payoff payment confirmation and bank statement. 

I also have the payoff payment confirmation of XXXX for Direct Subsidized Stafford Loan ( payoff amount {$2100.00}, Loan # 3, disbursement date XX/XX/XXXX ) and another Direct Unsubsidized Stafford Loan ( {$290.00}, Loan # 2, disbursement date XX/XX/XXXX ). Bank statements provided. 

I have submitted 2 Consumer Financial Protection Bureau ( CFPB ) against Mohela and loan # 7 is *finally* showing as paid with a negative balance of around ( {$470.00} USD ).

Loans # 2 and # 3 are still showing NOT PAID OFF. ARE YOU FREAKING KIDDING ME. This the 3rd complaint.

This is gross incompetence. Not only are loans # 2 and # 3 still showing balances, because of MOHELA 's inability to perform basic functions, this means that every month since XXXX the principle / interest payments of the remaining loans has no been calculated correctly. FIX IT. XXXX. How can you get away with treating people 's money like this!?! As I have stated before, I hope that MOHELA workers who have ignored and chosen not to fix this, that their personal checking accounts get treated with same exact same urgency and disregard as they've shown mine.
Consumer complaint received 2024-06-30
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: AMERICAN EXPRESS COMPANY (FL)

I am filling this report cause of the fraudulent report appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result identity theft and fraud the fraudulent account consist of a personal credit card account opened at American Express on XX/XX/XXXX under the account number is private, and a personal account XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX XXXXthese accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report.I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports cease pursuant to my rights within the FCRA and FDCPA.
Consumer complaint received 2022-11-28
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. (FL)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-08-06
Product: Credit 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: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/year> I had ordered a part for my vehicle as instructed by my mechanic via XXXX XXXX and changed the part to my Citizen credit card in the amount of {$80.00}. 

I had disputed this amount originally via Citizens online portal on or around XX/XX/year> for non delivery. 

When calling parts geek they stated the item was delivered on XX/XX/year> which I refuted as so. 

XXXX XXXX customer service would not make good on the replacement or credit to my original credit card ( Citizen Bank ) On or around XX/XX/XXXX, I received a letter which arrived late to my address dated XX/XX/year> from citizens bank. The letter indicated they completed their investigation and reversed my temporarily credit and fully charged my account solely by the fact XXXX XXXX provided evidence that the item was delivered. And I had to respond by XX/XX/year> if I wanted to continue with this dispute. 

On XX/XX/XXXX, I spoke to a citizen rep XXXX XXXX Ref # XXXX regarding the issue in receiving their response letter late on XX/XX/XXXX and that I will submit the continued dispute option by faxing my response to do so. 

XXXX XXXX indicated claims was closed and that they will call next available day On XX/XX/year>, I prepared my new statement indicating I wanted to continue with this claim and detailed that I tried to resolve this with the merchant to no avail. I also indicated claiming an item as delivered is not evidence of actual delivery as many events could have resulted in the items not delivered but marked as delivered. Carrier may have claimed delivery but actually did not delivered the item, delivery to incorrect address, stolen by carrier or others and so forth. I further went on to explain that in civil law, title or possession does not pass from vendor to consumer until such time the actual physical goods were received by the party whereby actually physical evidence of good were transferred, evidence by signature. At that point title or possession passes. Without such evidence, the responsibility is on the vender sending out the goods and as such Citizen has a legal obligation to protect my interest as the contracted card holder. 

I faxed this document on XX/XX/XXXX and did finally receive a phone message from citizens dispute department stating for us to just send in the letter of continuance and indicate under penalty of law that I have not received the item in questions On XX/XX/year>, I spoke to a Supervisor XXXX XXXX whom appeared to be hostile with my claim and my inquiry, was aloof to my concerns and could not provide me with any information as she was confused with the notations on the account regarding this matter. She indicated someone from the dispute department will call and that never occurred. 

So as of today the charge is appearing on my account for items never received.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Possible Financial Inc (MO)

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau. 
Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. ( Possible financial XX/XX/year> ). I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. 
By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months. 15 USC 1681s-2 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. 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.Sincerely
Consumer complaint received 2024-06-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (NM)

Original loan XX/XX/XXXX, refinanced 5/24.current loan XXXX. The loan terms indicate 160.08 % interest rate. 

A personal advisor brought the following to my attention : On XX/XX/XXXX, House Bill 132 went into effect enacting a 36 % annual percentage rate ( APR ) cap on loans up to {$10000.00} made under the New Mexico Bank Installment Loan Act of XXXX and the New Mexico Small Loan Act ( SLA ). 

It appears the lender is charging wellin excess of the legal interest rate for XXXX. If correct I would like the lender to offer appropriate adjustments/ corrections.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I am having some issues with addresses on my file that are not accurate. My XXXX XXXX. XXXX I live at XXXX XXXX XXXX, XXXX, OH XXXXplease remove delete any other address. My DOB is XX/XX/XXXX, my SS # is XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A. (FL)

I am writing to formally complain about the mishandling of my request to close my checking account, which has resulted in an unjust charge being applied to my account. 

On XX/XX/year>, I requested the closure of my checking account. Despite receiving confirmation that the closure request was processed, I was surprised to receive a statement indicating a {$15.00} fee was charged to my account. This fee was unjustly applied after my account was supposed to be closed. 

To make matters worse, I received a bill demanding payment for this fee. This situation is unacceptable and has caused me significant inconvenience and frustration. 

In addition, I was advised by the customer service rep that they had a no fee checking account that I could switch to, which is a student account. I told him I wasnt a student so I dont understand why theyre trying to put me into that account category.
Consumer complaint received 2024-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 There is a need to ensure that a consumer reporting agency excises their grave responsibilities with fairness, impartiality, and a respect for the consumer rights to privacy Pursuant to the fair credit reporting act 15 usc 1681 ( a ) ( 4 ), I am a federally protected consumer and I have the right to privacy not granting me my right is in direct violation of 15 usc 1681 and it subsections furthermore. My identity has been stolen, and this serves as your official notice. This constitutes aggravated identity theft under 18 u.s.c 1028A by furnishing a consumer report without my written permission, as stipulated by 15 usc 1681b, you have facilitated this fraud. Congress mandates fairness, impartiality, and respect for consumer privacy in the fair credit reporting act ( 15 usc 1681 ). Additionally, 15 U.S. code 1681c-2 requires the blocking of information resulting from identity theft upon request Specific violations Failure to provide validation information ( 12 cfr 1006.34 ( b ) ( 5 ) ) : the collection agency has not provided me with the written validation notice required by law. This notice details the debt, it creditor, and my rights to dispute it Denial of dispute opportunity ( 12 cfr 1006.34 ( c ) ( 4 ) ( I ) without receiving the validation notice, I havent been given the chance to dispute the accuracy of the debt. False, misleading, and deceptive practices ( 15 usc 1681-s 2 ( 7 ) ( a ) by placing a collection account on my credit report without my proper validation and dispute opportunity, the agency is using deceptive means to collect the debt. Unauthorized furnishing of information ( 12 cfr 1006.34 ( d ) & 15 usc 1681-s 2 ( 7 ) ( a ) the collection agency has no right to furnish this debt to credit reporting agencies without following the required legal disclosures
Consumer complaint received 2024-09-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc (NV)

Debt collector has conflicting contact information on multiple credit reports. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : not listed As shown above, collection agency has listed different phone numbers to contact.
Consumer complaint received 2024-06-07
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. (MS)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-07
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: COLLECTIONS USA, INC. (AZ)

Sent in letter to company requesting validation of debt including right to collect and ownership of debt on XX/XX/XXXX. Company responded with bill statement which does not comply with request for validation under fcra law. requested validation again XX/XX/XXXX which company did not respond to. requested proper validation again XX/XX/XXXX.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

Chime Online banking since XX/XX/XXXX close my account Ive called numerous thousands of times and {$1000.00} they have of mine since then and will not issue me my check for it is underneath the credit credit builder account and they told me that its gon na be 10 days within 10 days not business days either they said within 10 days I asked him if its gon na be business days I said no within 10 days. Youll have your check to your house the XXXX they never called every day since then they keep telling some lies XXXX excuses, and everything else. Every single time is a different excuse or lie they put me in jeopardy of losing my truck because I couldnt make my truck note money all money has time and I dont get paid every two weeks and I told him that I told him I had money open my account back up for an hours. Let me get my money out and disrespectful and still have not received my money and Im sick and tired of it
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (NY)

Ive submitted multiple credit disputes to have my former Nelnet account marked as closed on my credit report. Nelnet responded each time by saying the information is correct. 

It is impossible for it to be correct because my credit report reflects XXXX active loan companies. Nelnet with a balance of {$140000.00} and XXXX with a balance of XXXX. This information is inaccurate because I only have XXXX active loan with XXXX. The additional {$140000.00} on my credit report gives the appearance that I am in debt with student loans for {$280000.00} which is incorrect. This error is significantly reducing my credit profile and making it difficult for me to get approved for a home mortgage.
Consumer complaint received 2024-07-13
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)

This account was started fraudulently, Ive asked this company to stop reporting this fraudulent account which was the result of identity yet they continue to violate my rights and reputation by reporting these fraudulent items on my report. This needs to be removed immediately this is a violation of Georgia Consumer Law and the FCRA. Remove this from my credit report immediately and stop destroying and defaming my credibility.
Consumer complaint received 2024-06-07
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. (NJ)

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you review the documents? There are discrepancies in the listed accounts, including inaccurate amounts and dates.
Consumer complaint received 2024-08-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX, I transferred {$3800.00} of XXXX from my investment wallet ( XXXX XXXX  ) to my Venmo XXXX Wallet. The next day, XX/XX/XXXX, I transferred another {$3900.00} from my same Trust XXXX wallet to my Venmo XXXX wallet. The purpose was to eventually sell the XXXX, now in Venmo, and use the funds to pay for a cruise and additional expenses. I did not plan on selling the XXXX until Monday, XX/XX/XXXX, and then pay for the cost of my cruise using my Venmo debit card. After transferring the XXXX to Venmo, the value had increase by over 6 %. I decided it was best to go ahead and sell the XXXX after making enough to cover the sales fee of {$90.00}. This is nothing new. I have transferred Crypto funds to Venmo in the past, large amounts as well. All the sales and transfers were instant. Crypto sales are immediately available after clearing the XXXX usually within an hour. This time on XX/XX/XXXX, the XXXX sale was processed, and Venmo placed a seven day hold on the funds " pending settlement of the funds ''. This is a misleading statement as there is no such thing as XXXX sales taking that long to settle. Venmo likes to make up rules and use them to their advantage, never having concern about the immediate needs of their customers. I expected and was lead to believe, based on all other sales and transfers, that my XXXX sale cash would be available immediately and not seven days later. I've been trading XXXX for over three years, and never have I had a hold placed on the funds.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX ACCOUNT # XXXX this company sent me a validation of debt with proof that they are reporting inaccurate and incomplete information to different credit bureau. The credit bureaus they are reporting to all have different inaccurate and incomplete information. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

This creditor is in violation of 15 US code 1692J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

LONGTIME USBANK CUSTOMER AND HAVE BEEN ABLE TO ACCESS MY ACCOUNTS AND PAY MY BILLS, TRANSFER, ETC. ABOUT 10 days ago on line I had to put in a password for a debit card. I have NEVER owned a debit card or even wanted a debit card. Long hours spent on phone & in person bank & thought situation resolved but then I was asked to receive a TEXT. I do not TEXT - I do no text and I don't want to text. Yesterday a young. woman at the XXXX & XXXX XXXX branch ( CA ) was trying to help me. I was treated as though I was an old relic from the dark ages. She was impatient. I have not been able to pay my bills. I am XXXX and there is little or no tolerance for my technical inability. I get frustrated easily and then the entire process exhausts me. I particularly object to being treated by anyone disdainfully and strongly believe that intuitions and companies find other ways. to deal with these issues.