davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (LA)

My wife filed two disputes against Home Depot regarding payments that were not credited to my account. My grandson, XXXX XXXX ( who is an authorized user ), made a payment to Home Depot online on XXXX XXXX XXXXXX/XX/year> in the amount of {$120.00} and another payment on XX/XX/XXXX in the amount of {$220.00}. 

The {$120.00} payment was made with his XXXX XXXX credit card and the {$220.00} payment was made with his XXXX credit card. Citibank refuses to credit my account or return the money. 

Home Depot Credit Card XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
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. (CA)

This is my complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XX/XX/XXXXXX/XX/XXXXXXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$260.00}
Consumer complaint received 2024-07-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I utilised a Bank of America ATM as a non-bank customer. I attempted the withdrawal three times, at which the third time the machine pretended to count cash but did not dispense. 

I filed a dispute with my bank ( XXXX ), to which BOA responded that the atm was dispensed properly. A second level reconsideration was filed to BOA, at which time they upheld the denial. 

Transaction XX/XX/year> Time : XXXX Terminal Id : XXXX {$60.00}
Consumer complaint received 2024-06-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (PA)

XXXX I signed an auto lease at XXXX XXXX XXXX XXXX stating that I would pay no more than {$550.00} per month for this lease. And this hand written paper is now missing. I left the dealership with NO paperwork, nor did the salesman go over the contract with me before I left the building. 
Ally is charging me {$550.00} per month as the lease payment. Not what I agreed to. 
Along with other disputes of this lease, I have contacted the Attorney Generals Office of the State of Pennsylvania and Maryland. 
And called XXXX to voice my complaint. 
I have contacted ALLY from the beginning that I am in dispute of this contract, along with writing this on the monthly check of {$550.00} that I have sent every month since XX/XX/year>. 
ALLY has now reported me to credit agencies of being in default, and is now charging me late fees. I never agreed to ALLY since I was already approved for XXXX XXXX being this is my fourth lease. 
I want ALL correspondence in writing, not ONLINE. 
Please help me.
Consumer complaint received 2023-07-04
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. (GA)

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. 

Account name : XXXX  XXXX Account number:XXXX  Account name : XXXX  Account number:XXXX  has violated my rights. Or list of inquiries 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 2024-05-08
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is reporting to all 3 major credit reporting agencies. ie ; Experian, XXXX and XXXX, that I owe a balance of {$670.00}. The debt was sold to XXXX XXXX XXXX. I resolved the debt with XXXX XXXX XXXX, however XXXX XXXX is still reporting a balance of {$670.00} when the balance reported should be {$0.00}. 

I have contacted XXXX XXXX several times. I have talked to XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX since XX/XX/2023, all 3 promising a removal and a balance of {$0.00} and nothing has been done since then. Also all 3 people promised a call back and email response within 72 hours and none of them delivered on this promise.
Consumer complaint received 2024-07-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (CA)

Description of Incident : I am submitting this complaint regarding my private student loans serviced by Sallie Mae. I believe I was a victim of fraud and misrepresentation by the educational institution I attended, and I am seeking assistance in canceling my loans on these grounds. Below are the details of my experience : Dates and Amounts : Enrollment Period : XX/XX/XXXX, to XX/XX/XXXX Loan Disbursement Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Total Loan Amount Disbursed : {$22000.00} Reduce Loan Amount : {$10000.00} Total Balance as of XX/XX/XXXX : {$29000.00} Actions Taken by Me : 1. Initial Enrollment : I enrolled at XXXX XXXX based on their representations of accreditation, job placement rates, and the quality of their programs. These representations were made during meetings with admissions counselors, and through the school 's marketing materials. 
XXXX. Discovery of Misrepresentation : After enrolling and attending classes, I discovered that the school 's claims were false. The program lacked proper accreditation, and the job placement rates were significantly lower than advertised. Additionally, the quality of education and resources provided was subpar. 
XXXX. Gathering Evidence : I gathered evidence to support my claims of misrepresentation, including marketing materials, emails, and testimonies from other students who had similar experiences. 
XXXX. Seeking Legal Advice : I consulted with legal counsel to understand my options and was advised to seek loan cancellation due to the fraudulent actions of the school. 
Actions Taken by Sallie Mae : XXXX. XXXX XXXX : Despite my efforts to resolve the issue with the school, Sallie Mae continued to service the loans without addressing my concerns about the validity of the debt. 
XXXX. Communication Attempts : I contacted Sallie Mae on XX/XX/XXXX via the chat system they had but had no luck getting a hold of anyone. I then tried to reach them via phone call the next business day on XX/XX/XXXX to discuss the possibility of loan cancellation due to the fraud and misrepresentation by the school. I provided them with the evidence and detailed accounts of my experience. However, I did not receive a satisfactory response or resolution from Sallie Mae regarding the cancellation of my loans.
Consumer complaint received 2024-08-05
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. (MD)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

DATE : XXXX XXXX RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 
I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. THE INACCURACIES INCLUDE ACCOUNTS THAT DO NOT BELONG TO ME BECAUSE THE DEBT COLLECTOR PURCHASED THEM, AND I HAVE NEVER ENGAGED IN ANY BUSINESS TRANSACTIONS WITH THE THIRD-PARTY DEBT COLLECTOR. 

BELOW ARE THE DETAILS OF THE INACCURATE COLLECTIONS ACCOUNT : XXXX XXXX XXXX XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : XXXX. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION. 

XXXX. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY. 

XXXX. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. 

I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE XXXX TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. 

I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Consumer complaint received 2024-07-28
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. (CA)

I lodged a complaint with these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-07-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (DE)

The engine exploded a month after purchasing the vehicle. I had a XXXX year warranty on the vehicle however the warranty company did not want to fix the vehicle. I reached out to the loan company asking could they do anything or could they even put me an another vehicle for the same loan being that I only had the vehicle for a month. All payments on the vehicle were up to date. The loan place ask me what repair shop was the vehicle at, I told them, they also ask me when did the vehicle arrive to the shop. The vehicle broke down XXXX XXXX and was towed to the repair shop on the XXXX of XXXX. And credit acceptance is the loan holder they illegally repossessed my vehicle without my knowledge or consent. When I called them to inquire why my vehicle was taken they gave me a number and told me I had to speak to another department for answer. The vehicle is being sold at an auction on XXXX XXXX purchased the vehicle on XXXX XXXX. I still have not been giving any answers to why the vehicle was taken. The vehicle is a XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-05
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. (AZ)

I am filing a follow-up complaint regarding fraudulent activity on my credit report. I have reported identity theft to the Federal Trade Commission ( FTC ) at XXXX XXXX XXXX with reference number XXXX. According to FCRA Section 605B, Credit Reporting Agencies must remove any items listed on an identity theft report. Attached are documents to assist in removing the erroneous personal information and inquiries. The items opened without my permission are : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy - Discharged - Reference 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 XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$78.00} XXXX XXXX Bankruptcy - XXXX - Reference # : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$78.00} XXXX XXXX Bankruptcy - Discharged - Reference XXXX XXXX XXXXXXXX. Per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items resulting from identity theft within XXXX business days of receiving the report.
Consumer complaint received 2024-08-05
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. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (MD)

Subject : Urgent Request for Account Review and Immediate Resolution Dear [ Credit Card Company ], I am writing to express my frustration and demand an immediate review and resolution of the issues I have faced with my credit card account. In XXXX, I was severely affected by XXXX XXXX. I lost everything and had to relocate to Maryland with my family. Despite the hardships, I did not receive adequate financial assistance. XXXX provided me only {$11000.00} after a year, and I was denied housing vouchers and food stamps because they based my eligibility on my prior income before the hurricane. 

When I approached federal agencies for assistance, I was told that I could only do a few deferments, which I utilized while continuing to make payments. In addition to the difficulties caused by the hurricane, I fell ill with XXXX and requested relief, which was not granted. It wasnt until XXXX that I was informed my account had been closed in XX/XX/XXXX. Despite this, I received conflicting information from your representatives, adding to my confusion and frustration. Some stated that my account was still active while others confirmed it was closed. 

Moreover, I was sent a new credit card, which added to the confusion. When I called last month to set up payments, I was told that I still had access to my account, yet I had not received a new card. This inconsistency in communication and lack of support is unacceptable. 

Sincerely, XXXX
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MD)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I have an auto loan with Bank of America and I have enrolled in the automatic payment plan. I mailed in a principal payment to Bank of America that explicitly states XXXX additional principal, which was received on XXXX. The payment was applied instead to the monthly payment and the remainder to principal. I then mailed an additional principal payment for XXXX which was received on XX/XX/XXXX. The payment was applied instead to the monthly payment and the remainder to principal. 

I called Bank of America on XXXX to inquire why this was applied despite knowing that I'm on an automatic payment plan and they explained that this is the default way that payments are applied in their system. In other words, the explicitly misapply principal payments in the hopes that this is not caught by consumers. I waited several business days and didn't see it resolved. Today, XX/XX/XXXX, I called again and was told that it was not corrected but it will be. When I asked for a full transaction list of all activity on my account, I was told that I would have to call back later once these corrections are there to see all the change. 

This is highly unethical and should be illegal. When a customer sends a principal payment, it should be applied as requested. I am surprised that this is not a full on lawsuit to protect consumers of what is a systemic misapplication of customer funds.
Consumer complaint received 2024-08-12
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SOFI TECHNOLOGIES, INC. (WI)

Dear CFPB I wrote by mail to you in XX/XX/XXXX; explained below in detail. Please see summary ; On XX/XX/XXXX ; I was notified by other investors, customers and employees that my ( now ex ) business partner investor frauded the company, customers and all the funds sent by me, all the credit cards, loans since XX/XX/XXXX ; in amount exceeding $ XXXX. I also immediately contacted credit cards, credit score companies by phone ( hours spent ), loan companies, banks, and I was told this was " a civil matter '' to be brushed off and they didnt ask or go after the perpetrator who used XXXX XXXX XXXX to fraud me and others. All 11 banks and loan companies refused to help me. So I went on a search, this is not as they claim a civil matter. THIS IS A FEDERAL crime, and all the records will show that I begged pleaded with these companies, yet they continued and still continue to come after me. I then by email, mail contacted my senators, law enforcementand and law offices of XXXX XXXX in XXXX who handled XXXX XXXX case, to prosecute him. I am writing to inform you to inform all credit card companies, loan companies, credit score companies and reply to me that you received my letters. All the cards and loans in my name XXXX XXXX are used and my funds by this perpetrator, samet siper and his accomplice XXXX XXXX. I ask you to notify these banks as well. As the perpetrator committed a crime of fraud, false documentation, fraud invoices, investment scam, identity theft, tax fraud among many others, I thank you for your support in advance. You can also contact my attorney XXXX XXXX and direct these banks : XXXX XXXX He | Him | His Partner XXXX XXXX XXXX XXXX XXXX NY XXXX T XXXX M XXXX XXXX XXXX Kind Regards