davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (DE)

After looking over my consumer report I've noticed that Experian is reporting multiple collections accounts to my consumer report that doesn't belong to. These accounts were fraudulently placed on my report in which I never gave any of the creditors consent to purchase my personal information nor did I give them permission to report these accounts to and credit reporting agency. That is violation of my right to privacy pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. How can I owe a debt if there was never an agreement for me to pay a balance? I have no knowledge of these companies asking me to pay a debt where there was no mutual agreement. Pursuant 15 U.S. Code 1692c - Communication in connection with debt collection, Section ( c ) Ceasing Communication, I ask that the creditors cease communication with me which also includes removing these accounts from my consumer report which by definition is a form of communication.
Consumer complaint received 2023-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

l asked the credit bureau to do a verification of my credit report of identify theft and they stated everything was accurate, but I did my own thorough research myself, and found improper inaccuracies on the credit report even after they did the research. XXXX XXXX XXXX. Complaint ID : XXXX XXXX Midland Credit Management. Complaint ID : XXXX In accordance with the Fair Credit Reporting act XXXX Account, 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
Consumer complaint received 2023-04-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NE)

These loans were taken out in XXXX. The school that they were awarded to was XXXX XXXXXXXX XXXX The degree received is not accredited and can not be used to get an advanced degree. 

There are 3 loans : Loan 1 was disbursed for {$29000.00} in XXXX. We have paid {$34000.00} towards this loan ( minus late fees and other charges ) ; the current balance is {$25000.00}. We are currently paying {$240.00} towards the loan with {$22.00} towards principal and {$220.00} towards interest. 

Loan 2 was disbursed for {$28000.00} in XXXX. We have paid {$31000.00} towards this loan ( minus late fees and other charges ) ; the current balance is {$24000.00}. We are currently paying {$230.00} towards the loan with {$20.00} towards principal and {$210.00} towards interest. 

Loan 3 was disbursed for {$11000.00} in XXXX  We have paid {$8600.00} towards this loan ( minus late fees and other charges ) ; the current balance is {$7100.00}. We are currently paying {$51.00} towards the loan {$13.00} towards the principal and {$38.00} toward interest. 

We still have over 200 payments to make on all 3 loans. That would total over {$110000.00} in interest payments over the next 17 years. This predatory lending and variable interest are stifling our ability to survive. We have no recourse in this matter because it's all " legal '' but I think it's absurd to pay double what was borrowed in interest.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

I contacted U.S. Bank on XX/XX/24 at XXXX XXXX regarding my remaining balance of {$1400.00} ( Checking ) and {$5.00} ( Saving ). I provided proof, and the U.S. Bank has dismissed the issue and treated it as a minor issue. U.S. Bank has taken Union Bank and converted customers of Union Bank to U.S. Bank. Union Bank ceases to exist. U.S. Bank is fully aware of the unresolved issue and still has not fixed the problem. I obtained information from my bank account linked to my credit card, XXXX. To my recollection, U.S. Bank stated that my bank account is closed. I have not received any official letter stating that both accounts have been closed. U.S. Bank failed at not only transferring funds from Union Bank to U.S. Bank, but they did not provide proof.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC. (CA)

I have my health savings account with Optum. I've had this account for years. 
After XXXX  XXXX, today, XX/XX/2024, I submitted my card for payment and was told that it turned up " insufficient funds ''.. I currently have $ XXXX in my account. The XXXX bill was for {$410.00}. 
I called the bank and they said that I needed a new card, it would take 7 - 10 business days and I had no other option to access my funds. 
The bank had no alternative for me to access my own money. 

This is a HSA. Seven to 10 business days would be a life or death in many situations. I find this protocol insufficient for any kind of " health care ''. 

Optum never set any expectation of having to wait 7-10 business days in order to access ones own money.
Consumer complaint received 2024-05-01
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC (MO)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Transworld Systems Inc. and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I have identified several discrepancies and errors in my credit report that have been verified by the companies despite my attempts to dispute them. 

Regarding the Transworld Systems Inc. account, the status of the account is incorrect as it is marked as " open '' instead of " closed '' or " paid. '' Additionally, the original amount owed and the current balance are both listed as {$750.00}, despite the fact that it is not mine, and I have never had any business or financial relationship with XXXX XXXX. Additionally, I have not received any notice or communication regarding this debt before seeing it on my credit report. 

Regarding the XXXX account, the date of first delinquency is listed as XX/XX/2019, which is incorrect. The original creditor name is listed as " XXXX XXXX, '' which is also inaccurate. 

These discrepancies and errors have negatively impacted my credit score and have caused me financial harm. Despite my attempts to dispute these inaccuracies with Transworld Systems IncXXXX and XXXX, they have failed to correct the errors and continue to report inaccurate information. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these companies comply with the FCRA and the FDCPA and delete this account. Thank you for your attention to this matter.
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2023, I saw multiple authorizations for purchases on my credit card in the online app. The amounts were XXXX dollars but it was odd to see multiple authorizations for companies I did not recognize. I called the bank to tell them this. I told the representative that I did not make the authorizations. They only offered to send me a new card. A few days later new charges were on my statement totalling over {$3000.00}. I got a fraud alert text and opted to restrict my card but it was still used to make purchases. I called the bank again. They locked my credit card and told me I had to go to a branch to verify my identity which I did the next day. They did not offer to dispute the charges. 

At the branch, I sat down with a representative to open a dispute. The representative at the branch called TD to have the charges canceled. The card was used to purchase high-end clothing, make cash withdrawals at an ATM, and was used at a nearby gas station. Some of them could not be canceled. These charges totaled to {$810.00}. I explained that the card was always in my possession, except for once when I handed it to a cashier while paying for food in XXXX drive-thru. 

My dispute over the charges has been denied twice for the same reason. The bank letter says that because the card was in my possession and the chip was used, no fraud occurred. However, the representative at the TD branch told me they are wrong as the card could be copied and used. She said that the reasons TD is giving me for denying the case are false and unjustified. We are currently trying to dispute the claim again with a police report. I attempted to do so last week at the XXXX precinct but was told the detective was not there. I had to call multiple times over multiple days to be able to speak to the detective. The detective told me I have to make an appointment, which wont take place for another week.
Consumer complaint received 2024-05-01
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. (FL)

on XXXX, i sent a complaint to transunion, XXXX, and XXXX  informing them that i was a victim of identity theft and by the FCRA requesting that the information to be deleted after 4 business days. today is XXXX XXXX and its still reporting on my credit report.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

XX/XX/ a reverse credit for {$230.00} was made in error. Several recording calls were made starting in XX/XX/2023. Each banking representative on each call confirmed that an error had acquired. No resolution was made since XXXX of 2023 and USAA has withheld {$110.00} since XX/XX/2023. 

Note : The last representative confirmed that if an account is negative you owe the bank. But if the bank owes you money for their mistakes/errors, there's nothing they can do.
Consumer complaint received 2019-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

im not 180 days late and citibank charged my account off im seeking {$1000.00} im damages for violation of the F.A.C.R.A clear violation and im seeking damages in the amount of {$1000.00}. i should of only been 120 days late.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

this is my clam number with wells fargo XXXX and I am having to call to get updates after being promised updates I would really appreciate a credit while they resolve this issue as I do still have bills while the resolve this
Consumer complaint received 2024-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

I am writing to dispute the validity of the collection account associated with [ Account Number ] on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. 

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership.

2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible.

3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal.

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter. 

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution.
Consumer complaint received 2024-05-01
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)

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Dear Sir/Madam, I am writing to formally dispute the accuracy of certain inquiries listed on my credit report. Upon reviewing the document, I discovered several unauthorized and potentially inaccurate inquiries that I have not initiated nor provided authorization for. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request an investigation into these discrepancies and to have them rectified accordingly. 

Below, I have outlined the details of the disputed inquiry : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> I have no recollection of initiating any transaction or applying for credit with XXXX XXXXXXXX. Therefore, I am concerned about the accuracy and legitimacy of this inquiry. Given that I did not provide authorization for this inquiry, I am questioning its validity and authenticity. 
As per the FCRA, I understand that it is your responsibility to conduct a thorough investigation into this matter. I urge you to verify the legitimacy of the inquiry with the respective creditor and provide me with verifiable proof of your findings and actions taken. It is imperative that this investigation is completed within a reasonable timeframe, as mandated by law. 
Furthermore, I would like to emphasize the importance of adhering to the FCRA 's requirement for consumer reporting agencies to ensure the maximum possible accuracy of the information contained within consumer reports. Any inaccuracies or discrepancies can have significant repercussions on my financial standing and creditworthiness. 
In light of the above, I request that you promptly remove the disputed inquiry from my credit report if it can not be verified or if it is found to be inaccurate. 
Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism.
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have had my capital one credit card since 2016. I have had a history of making payments on time. I have been going through a hardship which caused me to fall behind on my payments. The card number is ending in XXXX I would like to know if there is a program that reduces my monthly payments just so i can bring my account current. I am working on getting back on track financially. I received a text message on tuesday night about a payment being past due. I would like to the phone calls and text messages and the mail to cease and desist until i am able to get back on my feet. I am looking forward to working out a resolution
Consumer complaint received 2024-05-01
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. (GA)

I am filing a complaint against the 3 CRAs for failing to follow FCRA laws and protocols, reporting countless inaccuracies on my report and furnishing my private information on a public record! The accounts at the bottom are at question : XXXX : XXXX XXXX ; Account Number : XXXX XXXX XXXXXXXX ; Account Number : XXXX XXXX : XXXX XXXX ; Account Number : XXXX XXXX  XXXX ; Account Number : XXXX XXXX XXXX XXXX XXXX XXXX ; Account XXXX XXXX XXXX Equifax : XXXX XXXX ; Account Number : XXXX XXXX XXXX ; Account Number : XXXX Also I have filed multiple disputes and have not received any documentation pertaining to my situation, which is also breaking Consumer Law Codes
Consumer complaint received 2024-05-01
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. (NY)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/XXXX, AND XX/XX/XXXX ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NJ)

Subject : Immediate Cease and Desist of Unauthorized Credit Reporting New Jersey FCRA Identity Theft Fraud Laws Dear CITI, I am reaching out to address a grave violation concerning the unauthorized reporting of information to my credit report, as stipulated by the Fair Credit Reporting Act ( FCRA ) under Sections 56:11-34 and 56:11-41, New Jersey 's Identity Theft Prevention Act under N.J.S.A. 56:11-45, and associated statutes.

It has come to my attention that CITI has engaged in unauthorized reporting to my credit report without procuring my explicit consent. Federal and state laws, including the FCRA and New Jersey 's Identity Theft Prevention Act, unequivocally mandate that consumer consent is a prerequisite for such reporting activities. 

I wish to assert unequivocally that I have not provided consent for CITI to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially causing harm to my creditworthiness and demonstrating a blatant disregard for federal and state laws. 

I demand, without hesitation, that CITI immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by applicable sections of the FCRA and New Jersey state law. Failure to comply within the stipulated timeframe will be construed as willful noncompliance, subject to penalties under the relevant statutes, including New Jersey 's Identity Theft Prevention Act. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and New Jersey state law. Compliance with federal and state regulations is non-negotiable and essential for protecting consumers from unauthorized and damaging credit reporting. 

I anticipate your urgent attention to this matter and expect CITI to promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

I XXXX XXXX am writing because I recently received a copy of my 3 credit report, and I noticed the account was charged off and posted on my credit report : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? NO I DID NOT. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above charge off from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking { {$1000.00} } per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (MD)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX have violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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