davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

I have asked for the original signature of the original debt from LVNV Funding LLC. They are constantly call me. I have asked for this information in writing. They haven't produced it and continue to call me. They called me from XXXX - XX/XX/XXXX. I recently received a call XX/XX/XXXX. This is in violation of 15 US Code 1692g Validation of Debts
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO Bank, N.A. (CT)

Shadiest bank I've ever been associated with. Did not receive a bill in XXXX ( I pay my balance in full every month by check ). Get a bill in XXXX with {$31.00} in late fees and interest. I simply call to get the fees removed- even if it were MY fault, every bank I've ever seen removes them as a one-time courtesy. 

I get an off-shore agent who barely speaks XXXX, has no authority, doesn't sound like he knows what he's doing. Asks for my email, tells me " i'll be contacted ''. XXXX minutes later I get an email telling me " I can't be authenticated, and I have to go to a notary! ". Ridiculous. 

I call back and get " XXXX '' who refuses to transfer me to a supervisor, asks me a couple of stupid questions, and it goes nowhere. Most inept, disgusting nonsense I've encountered from a credit card processer.
Consumer complaint received 2024-06-04
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. 
The inaccuracies are highly injurious to my credit score CAPITAL ONE Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (DE)

The bank sent overnight XXXX letter on XX/XX/XXXX as of today XX/XX/XXXX XXXX has notified me the overnight letter has been LOST in transit replacement must be arranged asap as well as a phone in regards to this letter...
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

I, XXXX XXXX give authorization to all XXXX, XXXX and XXXX to move forward with this complaint. I have proof they are in violation of the FCRA, 15 USC 1681L and 15 USC 1681a ( e ). In a previous CFPB complain they had stated that they will undergo an investigation with the original data furnisher. When in fact, an investigative consumer report is to be verified through interviews with neighbors, friends, family, and associates. They 3 consumer reporting agencies has in fact conducted no such interviews. There is also not supposed to be any factual information from the original data furnisher on my investigative consumer report, all pursuant to 15 USC 1681a ( e ). So this could only mean that all 3 consumer reporting agencies are attempting to verify this transaction with non-factual information. No adverse information is to be included in my consumer report during an investigation pursuant to 15 USC 1681L. I have proof that all 3 consumer agencies are reporting adverse information before, during, and after all investigations which is a direct violation, making all three consumer reporting agencies civilly liable and criminally liable pursuant to 1681n and 1681o.
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (CO)

We closed on the sale of our house on XX/XX/XXXX. The funds were to be wired to my Ally Bank savings account. The transfer was rejected due to the account being in my name and funds transferred in both my and my wifes name. They rejected the transfer on XX/XX/XXXX. We expected/assumed that the funds would be back in the title company account in XXXX hours. On XX/XX/XXXX, I called the title company to see if the funds were present. I was directed to Ally Bank as they would have record of the rejection and tracking number to trace the funds transfer. I called Ally Bank on XX/XX/XXXX, XX/XX/XXXX and XXXX as the funds had not been returned. Each time I spoke to a representative and to a supervisor about getting some record or the transfer and specifically a federal transfer number. In XX/XX/XXXX, I was told that they had no record and would have to reach out to title company bank. On XX/XX/XXXX I spoke to a supervisor and representative. This time is was given the federal tracking number for the incoming wire, but no the outgoing. The supervisor told me that there was no way to track or record the outgoing wire. They recommended a service inquiry. On XXXX, I spoke to a representative who gave my a XXXX digit number that incorporated some of the proper digits, but was too long. When I called later in the day to speak to a supervisor, she told me that there was no way to verify or track out going wires and that there would be no outgoing federal tracking number. I asked multiple times to speak to a banker or someone with more knowledge, or even a conduit so that the banks could communicate with each other. I was again told that the service telephone was the only way, but that it would be the same process.
Consumer complaint received 2024-02-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: BMO Bank, N.A. (MD)

We have a auto loan through BMO transportation, we are behind on payments but not in the repossession state, someone from a " Resolution Specialist '' named XXXX XXXX XXXX : XXXX ext. XXXX|Direct : XXXX She has contacted myself and my husband who are the only ones on the auto lease and she has also sent the attached text message to multiple people some that are not even related to us XXXX &  XXXX You need to respond. 

We have commenced repossession efforts, and I will recommend that BMO proceed.

Please provide your attorney 's name and contact information as soon as possible.

We will be notifying your haul sources, so that they understand that their loads may be in jeopardy when working with you.

As I have said previously, you will be responsible for any and all fees associated with these actions on top of what you already owe BMO.

If you have any questions, please call BMO directly at XXXX Now I'm assuming that giving that information to strangers is illegal? 

I attached a screenshot that was sent from my sister-in-law who has a different last name but there are several people that have contacted us as well with the same text message
Consumer complaint received 2024-06-11
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Regional Management Corporation (TX)

I recently checked my credit report and found accounts and inquires i did not authorize. I had my XXXX taxes withehld untill i verified my identity so XXXX not sure if my info got out or somebody stole it but these XXXX collection accounts ( Regional Finance Tx, XXXX XXXX XXXX  ) were not authorized by me. Also the khols accounts inquires were not authorized by me. Please remove these as soon as possible they are holding me back from what i am tryng to do.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (MA)

My online account login was locked. Since this is an online saving account, I also do not have my ATM card. 

I call citibank XXXX times to reset my online account, and to send me an ATM card. All XXXX reps refused because they said the only way to unlock my account at this time is using my ATM card. I asked to have a new card mailed to me. They also said " NO '' since they can't verify me. 

I have over $ XXXX in that account I need for purchasing of a new house. I don't know what to do.
Consumer complaint received 2023-11-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

On XX/XX/23 at Bank of America, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX. XXXX XXXX XXXX authorized a deposit of my security instrument. Which was duly stamped, scanned and imprinted XXXX banking details to be Credited to account. Was then denied for deposit after it was accepted by the bank after being authorized for deposit by XXXX XXXX XXXX. 
Then went to advise that the bank can not deposit my instrument after duly accepting it for deposit into the trust account we have with Bank of America. Which is direct violation of Federal Banking Laws pertaining to deposits.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

In XXXX of 2024 I requested that the company LexisNexis provide me with an explanation of how they received a reporting of a bankruptcy that is listed on my consumer report. LexisNexis stated that they received this information from the bankruptcy court. I contacted the bankruptcy court who stated that it is not their practice to report this information to Lexis Nexss. Then LexisNexis stated that they received this bankruptcy information from XXXX. I contact XXXX and they denied giving this information to LexisNexis. I informed LexisNexis that by law this unverifiable information has to be deleted from my consumer report. They have yet to respond to me and delete the bankruptcy.
Consumer complaint received 2024-06-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (LA)

In my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent account consist of a XXXX XXXX bill account opened on XXXX under the account number XXXX. That account have a fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
Someone open a XXXX bill in my name XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX account opened on XX/XX/2023 under the account number XXXX. This fraudulent collection appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account collection, as reported. The aforementioned account collection, and appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity thieft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud .I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX, XXXX, XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Lloyd & McDaniel, PLC (AL)

Case # XXXX On XX/XX/year>, my XXXX XXXX bank account with a balance of {$1600.00} connected with my dad, XXXX XXXX XXXX, XXXX, for years now since leaving for College, was levied along with his. All of my money was gone with a day left to pay my rent which was included in that amount. While I understand that my being connected to him at the time of the legal order is a thing, I do not think it should be ethical or right that my money should be taken into this situation that had nothing to do with me. I am pleading that something is done to get my money back to me somehow some way because I have no connections to the loan payment nor will I be the one paying the loan back since it is his loan that I had no knowledge of. I have bills to pay and I have never been late on any of my bills so I would hate for it to be on the account of this that I run behind on my payments. Ive been on the phone and have talked to someone by the name of XXXX at Lloyd and McDaniel XXXX XXXX and she said he would have to pay the money back which he will be working on doing that but as for me, I should be exempt from this situation. Is there ANYTHING anyone can do to remove me from this situation and having my money returned to me.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

Per the FCRA ( Fair Credit Reporting Act ) 15 U.S. Code 1682 sec 602 states .... There's a need to insure that the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer right to privacy. XXXX XXXX XXXX are consumer reporting agencies, I am the consumer. I ( the consumer ) have the right to make sure that my information ( private ) is not shared which is protected by 15 U.S. Code 6801..It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. ( Furnisher of information to credit agencies : a financial institution defined under that title ) 15 U.S. Code sec 604a sec 2 says ... .. in general subject to subsection ( c ) ANY consumer reporting agencies may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. XXXX XXXX XXXX and any other credit agencies DO NOT have my written consent to furnish this information. ANY and ALL consent to XXXX XXXX XXXX and any other credit agencies... ..weather it be verbal, non-verbal, written, implied, or otherwise is REVOKED. 15 U.S. code 6802 ( b ) ( c ) says that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ... me ( the consumer ) gives an explanation of how the consumer can exercise that nondisclosure option. The credit agencies never informed me of my right to exercise my nondisclosure option. 15 U.S. code 1681c ( a ) ( 5 ) says ... except as authorized under the subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ... .ANY adverse item information, other than records of convictions of crimes which means antedates the report by more than XXXX  years. My account has adverse items they are reporting without my consent/permission which is against the law. 15 U.S. Code 1681s ( A ) ( 1 ) says ... 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. Code 1681e says... EVERY consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under sec 1681b of this title. XXXX & XXXX are not maintaining reasonable procedures. Lastly, 15 U.S. Code 12 CFR 1016.7 says... .a consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2024-06-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Nelnet, Inc. (IN)

In XXXX we did a spousal consolidation with Nelnet with a balance of $ XXXX. In XXXX, we filed bankruptcy ( XXXX & XXXX ) and the loan disappeared. Then several years later, maybe in XXXX, we started receiving statements and demands to pay again. When we looked into we couldnt find out where the loan had been. But now we owed $ XXXX or more. 

Weve been trying to repay this loan but the balance only increases and rarely decreases, only to see it increase later. I cant seem to figure out how they apply the payments or figure why the sometimes put payments towards the principal and other times only to interest. The balance is still $ XXXX and its a 20 year loan with full payments applied to it over the last few years. Other times, it was on an IBR plan.

Also, my spouse works in public education and weve been told there are new laws to consolidate this loan as a federal loan so it can be considered for forgiveness, but Nelnet/Sloan are not helpful in navigating this transfer. And XXXX has denied the request to make it a direct loan.

Can someone please check to see if this was discharged? Can you check to see if the loan is accurate? Thank you, XXXX and XXXX XXXX
Consumer complaint received 2024-06-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One did not send me the full balance of my account after they decided to close my account. My balance when they decided to close my account was {$4400.00}. I received a check for {$2300.00}. And was left with a remaining balance of XXXX. The money has collected interest. And I have not been sent the remaining funds.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am unable to get a copy of my credit report from the TU website or dispute any inaccuracies from the TU website despite having dropped the small claims case I had opened against TransUnion.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

UPDATE TO COMPLAINT # XXXX UPDATE TO COMPLAINT # XXXX UPDATE TO COMPLAINT # XXXX UPDATE TO COMPLAINT # XXXX TRANSUNION IS IN WILLFULL NON COMPLIENCE IN DIRECT VIOLATION UNDER THE FCRA AND ITS GRAVE DUTIES WHICH CONGRESS DEMANDS THEY EXCERCISE. TRANSUNION IS DEMANDED BY CONGRESS UNDER THE FCRA 15 USC 1681a ( 1 ) ( 2 ) TO EXCLUDE SPECIFIC INFORMATION FROM A CONSUMER REPORT. TRANSUNION HAS BEEN PLACED ON NOTICE TO EXERCISE THEIR GRAVE DUTIES WITH FAIRNESS, INTEGRITY AND RESPECT TO THE CONSUMER AND REMOVE DEMANDED SPECIFIC INFORMATION FROM MY CONSUMER REPORT ( Kennedy v. Chase Manhattan Bank USA, NA ). TRANSUNION HAS INSTEADED STATED THEY CONDUCTED A REINVESTIGATION ( not requested btw and bias ) AND HAVE VERIFIED THE INFORMATION BY CONTACTING THE ALLEGED CREDITORS.THIS IS A FRUAD INVESTIGATION ( Henson v. CSC Credit Services Docket. Cf. Pinner v. Schmidt, 805 F.2d 1258 ( 5th Cir. 1986 ), cert. denied, 483 U.S. 1022, 107 S.Ct. 3267, 97 L.Ed.2d 766 ( 1987 ). TRANSUNION HAS BEEN PUT ON NOTICE AND DEMANDED TO PROVIDE UNDER FCRA DEFINITION OF " INVESTIGATIVE CONSUMER REPORT '' THE NAMES AND ADDRESS OF THOSE PERSONALLY INTERVIEWED TO VERIFY SAID INFORMATION. TRANSUNION HAS BEEN DEMANDED TO PROVIDE LEGAL EVIDENCE THAT SHOWS THEY DO NOT HAVE TO PERFORM THEIR GRAVE DUTIES UNDER THE FCRA AS CONGRESS DEMANDS AND DISREGARD 15 USC 1681a ( 1 ) ( 2 ). TRANSUNION HAS INSTEAD NOT RESPONDED TO MY CFPB COMPLAINT THROUGH THE CFPB BUT INSTEAD SEND ME MEAIL STATING THEY WERE NOT ABLE TO FIGUERE OUT THE NATURE OF MY REQUEST. TRANSUNION IS NOT EXERCISING THEIR GRAVE DUTIES WITH RESPECT AND INTEGRITY TO THE CONSUMER AND IS CONDUCTING UNREQUESTED BIAS FRAUD REINVESTIGATIONS AWAY FROM THE REQUIREMENTS OF CONGRESS AND FCRA!!! I FEEL ABUSED, DISRESPECTED AND IGNORED!!!!
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (CT)

I contacted the company in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to dispute following charges : XX/XX/XXXX : XXXX Payment {$200.00} XX/XX/XXXX : XXXX XXXX, XXXX, XXXX {$210.00} Ally keeps promising to send documentation that supports their decision that these charges are not fraudulent. Documentation/letter received is just a form letter stating that they have found the charges to be valid.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: U.S. BANCORP (FL)

U.S. Bank persistently misrepresents my information to all three credit bureaus. Despite notifying them that the reported account does not belong to me, they closed the account but inaccurately labeled it as " closed '' on my credit file rather than removing it. Furthermore, U.S. Bank reports an address they know is not mine and potentially was used to open the fraudulent account. uS Bank has also refused to provide me with a copy of the signed credit application.