davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (IL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account : XXXX To Whom It May Concern : I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by ( Original Creditor ) in the State of Illinois on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX .Under the laws of the State of Illinois UCC 810 ILCS 5 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Starting XX/XX/XXXX Ive been locked out of my account and wont let me access online banking for unknown reasons. 

Ive gone to the branch 2 times and called customer services 7 times over the last XXXX and a half weeks to resolve the matter and keep getting the run around as to what the issue is. 

I was told a letter was sent out on the XXXX and then again on the XXXX and have yet to receive any documentation regarding the matter, nor an explanation via telephone as to the issue because they wont let me verify my identity. 

Today, XX/XX/XXXX I called again and was told my account wasnt locked, went to make a purchase and sign on to online banking as was met with the same issue. 

I called 4 separate times because the fraud team kept disconnecting the call. Ultimately they said my account was still locked and theres nothing they can do for me so I attempted to just close the account and they hung up again.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

its been about 2 month since i been having a problem with BMO bank someone try to cash my tax returned check and they are refusing to reverse the transaction the times i called trying to resolve this i get nothing but attitude from the dept that is taking care of this when i talk to the the very first time i was told by one of branch vp that as soon as they would get the request from the bank that they would refund the money back to bank only now that bank is requesting the money they refuse to response back to the bank
Consumer complaint received 2024-06-06
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: GOLDMAN SACHS BANK USA (OR)

I've purchase an XXXX XXXX  from XXXX official website on XX/XX/XXXX, in an amount of {$2600.00} USD, using my apple card online. About a year later, around mid XX/XX/XXXX, the unit stopped working. I've tried unplug and plug it back in but still nothing light up. I've then try to call the customer support line number on their website and was left on hold for an hour and a half, then disconnected from their end. I've tried to call back 2-3 times but no one pick up. On XX/XX/XXXX, I filed a dispute with apple card Goldman Sachs , for faulty unit that not as described, stopped working, and unable to contact merchant via email or phone call, regardless of multiple attempts. No service were performed since they don't have a local office or a physical in person store, everything is online. I still haven't able to talk to anyone at the merchant, to this day. Apple card support kept opening and closing my dispute in favor of merchant with reason being not enough evidence to support my claim. I sent them my most recent email with the merchant and every information I do have. I am not able to reach the merchant for a solution and apple card support does not seem to understand.
Consumer complaint received 2024-06-06
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: Early Warning Services, LLC (PA)

I contacted Early Warning Systems several times to send me my consumer report. I have mailed out requests and requested it via email and fax. They have not responded. I am requesting my consumer report from them as per the FCRA. I have attached my mailing address which is XXXX XXXX XXXX XXXX PA XXXX. I have attached documentaion verifying my ID and my address.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (SC)

Showing delinquent when I have never been late. The billing history does not show anytime i have ever been late on my student loans. Showing a different account number across all three bureaus. Showing the same account number for two different accounts as one on my credit report and the same account should not be reported twice on my report. Last activity date needs to be corrected and updated. A lot of months throughout the years have nothing to report under it and all of this is coming directly from my credit report via XXXX Multiple inaccuracies and violations are being reported on my report and I am willing and able to receive {$1000.00} per violation on these inaccuracies on my report.
Consumer complaint received 2024-06-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (CA)

I contacted Sallee Mae regarding option for lowering payments, lowering interest, deferring, in school deferment, XXXX deferment. They informed I was ineligible for any option other than paying my full payment which is over XXXX $ or I would be reported to credit bureau. They also said I wasnt permitted to get a new private loan with lower interest to pay off my existing loan. I did inform them I was XXXX XXXX XXXX XXXX XXXX XXXX and have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and am still XXXX XXXX XXXX XXXX XXXX XXXX They informed me they still couldnt help me with any option.
Consumer complaint received 2024-06-27
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)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my KIKOFF - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am interested in processing disputes on my credit report to delete a remove all information listed on my credit report that is invalid an inaccurate. none of the accounts listed follows FCRA rules an need to be deleted asap. I am a victim of identity theft an none of these accounts belong to me. please review an remove the listed items to help my credit report asap.
Consumer complaint received 2024-06-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Problem with fraud alerts or security freezes — 
Company: Credit Karma (CA)

I created a 'Credit Karma save account ' and deposited around {$13000.00}. 

On XX/XX/year>, my time ( XXXX XXXX PDT ). I noticed some transactions. I suddenly noticed {$5000.00} was transferred internally from my save account to 'spend account ' ( which I had not created ). Also, there were piles of transactions made under the name XXXX XXXX Within a blink, {$5000.00} was spent. 

Then, I reached out to Credit Karma customer care and froze my account. 

I see my phone number was also changed. 

While the customer service team is working at my request, I would like to escalate this and complain publicly. Since, this could happen to anyone using a Credit Karma Save account. I don't see any compromise in my identity.

Credit Karma should thoroughly check their app. I'm just lost, how could someone take my account and spend without any issues
Consumer complaint received 2024-08-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (GA)

Company has called me after Ive asked them to stop & even sites that it was illegal per CFPB policy. I have received 11 calls from MCM since Tuesday, multiple calls are made everyday. MCM has been contacting me using the same method for months
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion sent me an email on XXXX XXXX, XXXX notifying me of Changes to my credit report. I still see two names that do not belong to me or have been used by someone else.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (AZ)

Hello, I noticed some late payments were charged in my account from XXXXXXXX XXXX. I attempted to pay every time on time and I would receive a message telling me it was accepted. A few days later, the payments did not go through, but instead of letting me know immediately, I was sent a notice the next month saying it was late and I had incurred interest. After attempting to pay twice with incurred interest each time, I called the third month I received a message and paid everything using the same bank account and it went through this last time. Now, I see the reports have been sent the credit bureau despite the late payments not being my fault and me receiving no communication that payments were blocked/stopped/or in any way unable to go through after I attempted to complete them and receiving a confirmation message from the store every time. In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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 2024-06-06
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Solar Mosaic LLC (CO)

On XX/XX/year>, XXXX XXXX, XXXX XXXX, office of XXXX XXXX XXXX, had sent me a letter with a response from Solar Mosaic regarding my complaint against them regarding fraudulent financial practices against my XXXX, costing him over {$30000.00}. Mosaic 's response stated that they would cancel his contract. I have been trying to assist my XXXXXXXX with this entire situation since he can not XXXX XXXX XXXX XXXX well. His is age XXXX  years, so my XXXX and I are trying to aid him in his time of need. Since XX/XX/year>, I have been submitting Mosaic 's required Third Party Authorization form to allow me access to my XXXX XXXX account. They have repeatedly shut me out, not accepting their own form due to it not being sent from my XXXX XXXX email address. Nowhere on the form does it provide this direction. So, after multiple calls and emails, they are refusing to accept the form which authorizes me to help my XXXX. Since he has yet to receive any communication from Mosaic showing the contract cancellation, he needs me to help obtain the documentation to protect himself. As per Mosaic 's response that the XXXX XXXX sent me, from their general counsel, XXXX XXXX, saying that if I had questions, that I could contact them directly. I emailed their legal office on XX/XX/year>, Attn : XXXX XXXX. and received no response. I emailed again as a follow-up on XX/XX/year>, and again, I was shut out, stating that they needed a 3rd party authorization submitted by the " borrower, '' which is my XXXX. So, in summary, Mosaic is inhibiting my XXXX XXXX XXXX right to required assistance in this fraudulent financial matter and my right, as his XXXX, to assist my XXXX XXXX in this fraudulent financial matter.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC (TN)

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 U.S.C.1681. Wakefield and Associates : account # XXXX...... Wakefield and Associates account # XXXX... ..has Violated my Rights. 15 U.S.C. 1681 section 602-A states that I have the right to privacy. 15 U.S.C. 1681 section 604-A, section -2 also states : that a Consumer Reporting Agency can not furnish an account without my written instructions. 15 U.S.C. 1681-C ( a ) ( 5 ) section also states : no Consumer Reporting Agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than record 's of conviction of crime 's which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2024-06-06
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (MI)

Hello, I lost my job around XXXXXXXX XXXX XXXX  and I needed to pay for some unexpected home repairs so I pulled out a personal line of credit with NetCredit. 

NetCredit failed to disclosure the real XXXX for this line of credit, they only provided a fee schedule. They also failed to inform me that this would be paid bi-weekly rather than monthly. I've paid an ungodly amount of fees and I fear that I will never be able to pay this off. I do believe they are practicing predatory lending by not disclosing the interest rate and true repayment terms. 

I called NetCredit to request to close the account and pay the account back in monthly installments versus biweekly, the company is unwilling to work with me and is giving me zero options. 

NetCredit should be illegal and not allowed to practice business, please investigate and probe this company as I do believe you'll find that many other people are having this issue. 

I am please requesting them to close my account so I can pay this account back in monthly installments and stop paying the 98 % APR that was NOT disclosed to me.
Consumer complaint received 2024-05-16
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently I did an investigation on my credit report and found several items that were inaccurate.Under 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 the maximum possible accuracy of the information possibility accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
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 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 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.PLEASE DELETE IMMEDIATELY