davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
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: Experian Information Solutions Inc. (TX)

XXXX refuses to delete my student loan trade lines. Every time I dispute the XXXX trade lines with Experian on my credit report to be removed, XXXX updates my credit report with providing the information that the account is at {$0.00}. I am not interested in what XXXX is doing with the CRA. I am asking for XXXX to follow what the XXXXXXXX XXXX XXXXXXXX states to do-delete the trade lines. My previous complaint is of that the same as this one. XXXX tends to not answer and address the exact concern. This complaint has nothing to do with the CRA. These student loans should have been removed from my credit more than XXXX year ago. Please address my concern. Why have you not deleted the XXXX student loan trade lines on my credit report? Why do you continue to update my credit report with showing {$0.00} owed when I dispute the trade lines to be removed? Why are you not following the lawsuit settlement instructions to delete the student loan trade lines, you have had more than XXXX year to do so and multiple complaints where I am repeating this complaint over and over again?
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> TransUnion, Update : XXXX XXXX XXXX  Account : XXXX {$.00} Dear, TransUnion I am formally writing to ask could you please update my XXXX XXXX XXXX Ending in XXXX. Also I've attached the billing statement for supporting documentation. 



Sincerely,
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My wife and joint account holder rented a car from XXXX. The car was picked up by them and was returned to them. However, she was charged an erroneous amount of XXXX in which she was continuously being charged by them for weeks after they had possession of the car. We tried contacting them numerous times to correct issue, however we were only able to reach overseas customer service workers who had no clue of what we were trying to explain. Its almost impossible to reach them. My issue is with Bank of America and XXXX. First of all, my discrepancy with XXXX should not be resolved by my bank. I feel like it is illegal and unethical what they are doing to me as their customer. I don't have overdraft protection for one. And XXXX did not have my new debit card number at the time they forced a payment of XXXX through. Since the funds were not there, that payment should have been declined. I reached out to BOA and they advised me that XXXX had an agreement with XXXX where they could just force unauthorized and unjustified payments at will. I truly believe this is an illegal, unjust, predatory predatory practice by XXXX and Boa. The issue with XXXX and I should be settled in court, not by my bank. Boa should return the payment back to XXXX. I feel like Boa has violated my banking agreement with them because they allowed a payment to go through my account without the debit card on the account being used, and without my account having overdraft protection.
Consumer complaint received 2024-04-23
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. (FL)

They reached out to me. And I do not know who they are. They then insisted i owe them a debt to collect. 
I have sent this company a XXXX XXXX, subrogation and a cease and desist this company has refused to adhere to the federal guidelines by ignoring my requests in my attempts to resolve this matter the company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of FL. Please have this company cease all collection activities this is my last attempt to complain outside of the court of equity.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NC)

I was approved a XXXXXXXX XXXX XXXX XXXX  through Synchrony Bank sometimes around XX/XX/XXXX with a credit limit of {$1000.00}. Within five months of having the card Synchrony Bank lowered my Credit limit to {$800.00} for no reason other than information that was on my credit report when they approved the credit, No payments was missed or late within this five months time frame. I submitted a complaint with CFPB XXXX XXXXXXXX sometimes around XX/XX/XXXX for similar reasons but closing two accounts with XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX for the same reasons without any late or missed payments. 

I feel that Synchrony Bank is setup to approve credit for all qualified borrows to prevent being held accountable for unfair loan practices and to accumulate high interest rate and then close some account to profit off the consumer. They should not be allowed to take advantage of hard working Americans in this manner. i could understand if the consumer became some higher credit risk with in a time frame, But to monitor a consumer credit month to month looking for reasons to lower limits or close account after securing high interest rates is stealing or fraud. 

Conducting business like this also is a negative impact on a customer credit by changing their credit limits.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Aldous & Associates, PLLC (NJ)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-09-08
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. (TX)

Equifax has made their online verification system impossible to use to deny showing me my credit report. 

The phone based system intentionally makes it impossible to enter my street address. Also making it impossible for me to request my credit report.
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: Selene Holdings LLC (NY)

XX/XX/year> mortgage loan was transferred from XXXX XXXX XXXX XXXX. Upon transfer I requested a mortgage assistance program from XXXX. I was approved for a forebearance where I was required to make {$100.00} / month and upon exiting forebearance- I will be given a repayment plan for arrears. A request to exit forebearance was made XXXX and at this time- the Mortgage was transferred to Selene finance XXXX 
Upon time of transfer- XXXX XXXX that I had 120 days late payments however showed all payaments were made on time. 
I am asking XXXX to remove the 120 days late payment note on all three credit bureaus. 
See attached documents regarding forebearance with XXXX. 
Thank you
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Managment has not provided all the documentations, I have requested to Validate the debt. I have provided them with a police report and an identity theft report. They have placed a levy in my accounts and have also continued to negatively report to the credit report and accrue interest on an open investigation.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I deposited a lawsuit payout check on XXXX. This check was from the following Federal Case XXXX XXXX XXXX XXXX XXXX XXXX I was told there would be a five day funds hold because of my account being new. 

Knowing that I was receiving my payout check, I took the month of XXXX off of work to spend with my daughter before she went back to school. 

Citizens locked me out of my account and locked my debit card. 

Realizing this, I called on XX/XX/XXXX and told the representative what was going on and he told me the funds were in a longer hold and my account was under review. 

I told him where the check came from and he assured me everything would be resolved timely. 

I received a letter on XX/XX/XXXX stating my funds would be available on the XXXX I called several more times that week and a supervisor told me my account would be unlocked by the XXXX. 

I called everyday after that to check the status until the funds became available on the XXXX. I called on the XXXX and XXXX and was told the same thing. 

I HAVE NOW SUFFERED LATE PAYMENTS TO MULTIPLE CREDIT CARDS AND HAVE LATE BILLS AND INCURRED LATES FEES TO MULTIPLE ACCOUNTS I HAVE NOT BEEN ABLE TO GET ANY CASH ADVANCES WITH MY CREDIT CARD/CARDS AS PAYMENTS ARE DUE AND I CAN NOT MAKE PAYMENT BECAUSE MY ACCOUNT IS LOCKED I AM SUFFERING SERIOUS DAMAGES BECAUSE OF CITIZENS ALL 6 CITIZENS BRANCHES NEAR ME ARE PERMANENTLY CLOSED HAVING BEEN BOUGHT OUT. SEE XXXX XXXX XXXX  AREA. NO BRANCHES WITHIN 100 MILES OF ME. 

CITIZENS CANT GIVE ME MY ACCOUNT NUMBER OVER THE PHONE AND BECAUSE I DO NOT HAVE ACCESS TO MY ONLINE ACCOUNT OR A BRANCH OR MY DEBIT CARD I HAVE NO ACCESS TO MY FUNDS AND HAVE BEEN CHARGED WITH SERIOUS LATE FEES ON SEVRAL ACCOUNTS AND BILLS
Consumer complaint received 2024-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OH)

I have been having EXTREME difficulty getting ahold of mohela with any meaningful response regarding my IDR application since consolidating back on XX/XX/XXXX. They processed the consolidation but did not complete the IDR application ( despite my income being {$32000.00} ). Due to inability to contact anyone I resubmitted an application on XX/XX/XXXX. After another month of me trying to contact them they denied both applications and said it was " due to studentaid.gov. '' Ultimately I called and escalated with Mohela telling me to resubmit an application ( which they did over the phone ) on XX/XX/XXXX. They then submitted a duplicate IDR application on XX/XX/XXXX. After a lack of processing XXXX weeks later I called and they then needed " additional documentation of proof of income. '' I then submitted that on XX/XX/XXXX which is listed as " processing. '' I contacted them two weeks ago and they said because of the manual verification to " give it another 15 business days. '' Now I am XXXX business days out from supporting documents, and XXXX from the IDR application. I was on the phone for 3 hours with them on XX/XX/XXXX with a total of 10 and was transferred several times to only be told to give it more time. This is incredibly frustrating.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TN)

On XX/XX/year>, I contacted Citi Bank to request a total payoff amount on my Citi Thank You Preferred Credit Card. I wanted to pay off my card on this date and needed the total payoff amount, including any accrued interest since the statement date. I was told repeatedly my the customer service representative that they could not provide this amount to me as " interest is calculated at the statement billing date. '' I tried to inform- albeit without success - that any bank should be able to provide a payoff amount on any given day, as interest is compounded daily. They did not seem to understand and provided me with an amount of {$5300.00} - which the representative said was still " an approximation. ''
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. I have contacted XXXX XXXX XXXX regarding a late payment on my credit account and they have yet to remove the 30-day delinquency from XXXX 2022.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: West Central Texas Collection Bureau (TX)

West Texas Central Collect ; As I have not heard back from you in over 60 days regarding my notice of dispute dated XX/XX/year>, and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 usc 1692 ( e ) and 15 usc 1692 ( f ) in this alleged matter. 

What is your authorization of law for your collection of information? 

What is your authorization of law for your collection of this alleged debt? Please evidence your authorization to do business or operate in the state of Texas. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three primary credit-reporting agencies. You are Failure to respond within 15 days of receipt of this registered letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : Defamation, Negligent Enablement of Identity Fraud, and Violation of the Fair Credit Reporting Act. 

After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriff 's office in your county and I will begin the process of attaching property or funds to satisfy the judgment. 

This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Signature, XXXX XXXX
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I went into a Capital One bank and deposited my tax refund check from the United States Treasury. I was informed by the teller it would be available the next business day since Ive had this account for sometime now. At the end of business on XX/XX/XXXX I received an email that states as follows XXXX, After reviewing your check deposit activity on XX/XX/XXXX, for your account ending in XXXX, the availability of {$14000.00} has been delayed until XX/XX/XXXX. 

Based on confidential information we believe that XXXX or more of the check deposits may not be paid. 

You don't need to take any action. If the funds don't return, they'll automatically become available on XX/XX/XXXX. 

I was hoping since the check is from the United States Treasury and labeled under Tax Return the error would be realized and funds would become available. As of XX/XX/XXXX funds are not available. According to Capital Ones Bank Specialists they will not be available until XX/XX/XXXX even though its a government issued check and the on thing I could do is contact the Untied States Treasury for the check to be returned.
Consumer complaint received 2024-06-22
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: Experian Information Solutions Inc. (TX)

**NOTICE : SERVICE OF PROCESS / LAST OPPORTUNITY TO CURE** On XX/XX/year>, XXXX XXXX wrongfully and intentionally denied my Regulation V request to block adverse information resulting from XXXX XXXX, alleging that Experian did not receive the required Victims Determination documentation. This allegation is false, as the required documentation was submitted both as an attachment to the initial CFPB complaint and via Notary Presentment through USPS Certified Mail. 

XXXX is avoiding providing written confirmation that she is rejecting the certification, instead falsely claiming that it was never received. This appears to be a deliberate attempt to circumvent Regulation V, which strictly prohibits Experian and other CRAs from validating victims ' determination documentation. 

XXXX, on behalf of Experian, is engaging in deceptive and unfair business practices, which has led to the filing of a claim in XXXX XXXX XXXX for damages caused by her willful noncompliance. This is Experian 's final opportunity to comply with the law amicably. Failure to do so will result in the continuation of legal action and the public disclosure of these wrongful practices.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I am writing to formally dispute and demand the immediate removal of unauthorized inquiries that appear on my credit report, as provided for under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report from [ Name of Credit Bureau ], I have identified multiple inquiries that I did not authorize or recognize. 

Listed below are the unauthorized inquiries : 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 XXXX XXXX XXXX XXXX XXXX  [ Date ] I categorically state that I did not apply for credit or authorize inquiries with the above-listed creditors during the specified dates. These unauthorized inquiries are inaccurate and are adversely affecting my credit score.

Under the FCRA, Section 1681b ( c ), and Section 1681i ( a ), I am entitled to dispute and request the removal of inaccurate or unauthorized information from my credit report. This includes unauthorized inquiries that have been improperly listed. 

Enclosed are copies of my credit report highlighting the unauthorized inquiries, along with supporting documentation demonstrating that I did not authorize these inquiries. 

I demand that [ Name of Credit Bureau ] conduct a thorough investigation into these unauthorized inquiries and promptly remove them from my credit report in accordance with the FCRA. Please provide me with a written response detailing the results of your investigation and confirmation of the inquiries ' removal.

I expect this matter to be resolved expeditiously, as required by law. Failure to comply with FCRA requirements may result in further legal action.
Consumer complaint received 2024-09-08
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. (WI)

Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report. is the result of that trafficking. Collection : XXXX XXXX XXXX {$5100.00} Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-16
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. (CO)

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  these accounts are fraudulent experian wasnt trying to remove the account