davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I had a credit card account with Citizens bank. I was listed as an authorized user under my mothers account. I have absolutely no online account access. Every time I called, they gave me a hard time even to retrieve account balance information. After submitting a payment for the account balance, the XXXX payment I made was returned for some reason. I had no idea it was returned at all since Im not even listed as the primary account holder and I dont receive any type of notice in terms of the account balance as an authorized user. I tried downloading the app and was still not able to retrieve my online card info. The company immediately passed off the balance we had to debt collections and immediately closed my moms credit card for alleged suspicious activity. No idea whats going on, but weve have had this credit card for awhile now and have always paid on time. My mom uses it as a travel card and I use it as miscellaneous charge card. This is actually the 1st time I have actually used it and brought the balance up to {$150.00}. The account balance was immediately paid when I was notified about the payment being returned. My mom used it last year for travel costs and brought the balance up to {$1500.00} and has paid the balance off in full. She actually just received notice about the reasons for closing our account and the notices are dated for early XX/XX/XXXX, so there recently issued notices. 

I definitely find it unfair that they closed our account. They also passed on the debt to collections and didnt even give us a notice about this at all and/or provide any accommodations. Normally, a consumer is at least granted 30-days to be notified of any issues/resolve any issues. I think its unfair that as an authorized user, I can not even have online access and that I do not receive any type of notification in terms of account balances, payments details, etc. When I tried calling to retrieve account balance and pay the account balance in full, the 1st representative that I spoke to gave me the incorrect balance to pay and transferred me over to another to assist with my account. The 2nd representative that I spoke to advised that the credit account wasnt closed and the current balance was a lot higher. He did assist me with submitting a full payment and I had no other issues at the time. The primary account holder just received notices and just relayed the info to me on XX/XX/XXXX about the account closure. The notices we received are dated for XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX. I definitely think theyre being suspicious in term of how they operate business and/or treat their consumers.
Consumer complaint received 2023-10-26
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. (RI)

I am writing to formally dispute and request corrections for inaccuracies in my credit report, as maintained by TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report, and as of the date of this letter, I have not received any response from them. The details of the inaccurate information and the required corrections are as follows : Account with the name " XXXX XXXX '' ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$12000.00} ) is not mine. I kindly request the removal of this account from my credit report. 


The account " XXXX '' ( Date Opened : XX/XX/XXXX, Balance : {$10000.00} ) requires examination due to incorrect reporting. The Balance of {$10000.00} that TransUnion reports appears to be higher than the balance I remember. Additionally, your agency has marked this account as closed, and as such, the Past Due amount should not be provided. I intend to address this issue with the creditor directly, but I request that TransUnion reports the account as disputed while I work towards a resolution. 


The account identified as " XXXX XXXX '' ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) contains inaccuracies in your reporting. The reported balance of {$390.00} is incorrect, and I believe it should be a lower amount. Furthermore, the Past Due amount should not be included, as this account is closed and charged-off. I request that you mark this account as disputed while I resolve the dispute with the creditor. Additionally, I require verification of the Date Opened, Date of Status, and Date of First Reported for this account. 


The information presented for the account " XXXX '' ( Date Opened : XX/XX/XXXX, Balance : {$9100.00} ) is also inaccurate. The original creditor on this account is a different company, " XXXX XXXX XXXX, '' than the one TransUnion indicates. The reported balance of {$9100.00} is higher than what I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NC)

I applied for a Citi Bank XXXX XXXX in XXXX of 2023. It had an offer of XXXX travel points after spending {$3000.00} within 90 days of opening the card. I did just that and decided to bank my travel points until I needed to buy plane tickets later in the year. Citi Bank then closed my card sometime in XX/XX/year> without giving me an explanation even though I had a XXXX balance on the card. They automatically cancelled all my travel points without giving me any grace period to redeem the points. I only found out in XXXX when I was trying to purchase a plane ticket. I called them over 10 times to get an explanation but they said they couldn't disclose the reason for cancelling my card over the phone but they would send me a letter. I received about 3 letters from them but none explained why the card was closed. All they stated was that the account was closed in XXXX and that all my reward points had been cancelled. I called over 10 times to resolve this issue but they refused to let me redeem my points I has earned in earnest. I finally gave up. Those points had a cash value of {$800.00}
Consumer complaint received 2024-06-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC. (FL)

I had a car loan from Ally Bank from XX/XX/XXXX through approximately XX/XX/XXXX before I did a voluntary repossession for health reasons. 

I believe the interest was not computed accurately. My account has since been referred to a debt collector, XXXX XXXX XXXX who wants {$4200.00}. I am unclear on how the deficiency balance was computed because I never received any confirmation from Ally Bank about the process after I turned the car in. 

I request full transparency because this is negatively affecting my credit.
Consumer complaint received 2024-06-10
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: ALLY FINANCIAL INC. (FL)

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

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

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

"
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (CA)

I received a letter from Mohela XXXXtudent Loan Servicer stating that my loan has been forgiven on XX/XX/XXXX. It states the forgiveness is effective as of XX/XX/XXXX and that they have or will notify all the national credit bureaus. I called Mohela to get a more accurate estimation of how long it takes to update my credit reports with this information and I was advised by XXXX separate representatives that it would take approximately XXXX business days which equates to XXXX  months to see an update on my credit report. I advised the last representative that I would like to speak with someone else regarding this and was told I would be transferred to someone in the XXXX department, upon transfer I was disconnected. I then checked my credit report to see that Mohela hadn't updated any information on it since XX/XX/XXXX. Since I have not been able to address this issue with anyone in the company other than to be told of this XXXX business day timeframe I am making this complaint as I believe waiting 6 months to see an update on my credit report is a violation of the Fair Credit Reporting Act and of my consumer rights, this timeframe is not fair and timely and could cause an undue hardship by not reflecting current and accurate information and affecting my overall XXXX XXXX.
Consumer complaint received 2024-06-10
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. (CA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, results from that trafficking. 

XXXX XXXX XXXX XXXX ACCOUNT Please block this information from my credit report within XXXX business days, under section XXXX of the Fair Credit Reporting Act Please send me a notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX From : XXXX XXXX XXXX Sent : XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : XXXX Credit Report Complaint Dear XXXX Executives, I am writing to inform you about an issue in my credit report. Unfortunately, I have been a victim of identity theft and fraud. I have been working with you and other organizations to rectify my credit reports and other information. However, I have noticed that the fraudulent account belonging to my XXXXXXXX XXXX Credit Card has reappeared on my credit report, even though it was previously removed. 

I want to let you know that this account and balance do not belong to me. I have already taken steps to have it removed from my credit report, and I would appreciate it if you could take care of this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Report Number : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : XXXX Complaint You informed me that this account was removed from my credit file, yet it is still being reported. This is a continuous violation of the rules and regulations. Please remove it from my credit files immediately. 

From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX XXXX Subject :
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

My Ally Auto Finance is due on every XXXX of the month. I paid it on the XXXX or XXXX of the months. However, Ally Auto Finance is reporting it 30 days Late. Prime example, my due date was on XXXX XXXX, I paid on XX/XX/year>. However, Ally Auto Finance posted the payments on XX/XX/year>. As result, it was reported late. I Always PAID via XXXX XXXX XXXX. Ally Auto Finance refused to correct the ERRORS. Enough is Enough, at the beginning of the loan Ally Auto Finance representative improperly Entered my BANKING information into the computer. Ally Auto Finance representative admitted that the previous representatives mistakenly entered the wrong banking information. And yet, still refused to correct the errors on my credit reports. I even had to make payments arrangements because of errors. Ally Auto Finance is affecting my credit. I NEED ALLY AUTO FINANCE TO CORRECT THE ERRORS.
Consumer complaint received 2024-06-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Consumer complaint received 2024-06-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/XXXX I received an email from Capitalone stating I am over {$430.00} over my credit limit, but my account has a negative balance of {$1300.00} for overpayment, yet they have my {$900.00} available credit unavailable plus saying I owe the XXXX over {$400.00}. But I paid that account to the point that I have a credit. If my account is showing a credit then how can I owe a balance as well. They cant explain that and this is not the first time this has taken place and usually I just paid.they keep performing fraud and charging me again for things Ive already paid. Even if I have a dispute, I still pay that amount. They need to be investigated for scams and fraud.
Consumer complaint received 2024-06-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX  XXXX XXXX formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report. Letters were sent out.
Consumer complaint received 2024-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC (TX)

I am writing to file a formal complaint regarding fraudulent activities that have taken place involving my ex-fiance. On XX/XX/2024, I discovered unauthorized accounts and transactions on my credit report from your company, which I believe are a result of fraudulent actions by my ex-fiance. 

Furthermore, I would like to bring to your attention that Ive been a victim of Identity theft and my driver 's license was stolen at XXXX XXXX XXXX XXXX. This incident has added to the complexity of the fraudulent activities that have affected my financial well-being. 

I have already involved the local law enforcement authorities and am fully committed to prosecuting anyone found to be involved in these fraudulent activities on my credit report. 

I kindly request your urgent assistance in investigating this matter and taking appropriate actions to rectify the fraudulent accounts and transactions on my credit report.
Consumer complaint received 2024-06-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP (TX)

Dear Sir/Madam, I am writing to formally file a complaint against U.S. Bank for unlawfully denying my request to reinstate my account after the period of forbearance, for which I was qualified under the new rules and regulations set forth by the Federal Housing Administration ( FHA ) and the Department of Housing and Urban Development ( HUD ). 
My account information is as follows : Account Holder : XXXX XXXX Account Number : XXXX Property Address : XXXX XXXX XXXX, XXXX Texas XXXX Background : In light of the financial difficulties I encountered due to the COVID-19 pandemic, I applied for and was granted a forbearance on my mortgage loan under the CARES Act. My forbearance period commenced on XX/XX/year> ] and concluded on XX/XX/year>. 
Upon the completion of my forbearance period, I sought to reinstate my mortgage account according to the guidelines and protections provided by the FHA and HUD. Despite my compliance with all stipulated requirements, U.S. Bank has unlawfully refused to reinstate my account After I received an approval of restarting my payment. This refusal directly contradicts the regulatory provisions that ensure borrowers in my situation have the right to reinstate their accounts.Now as of XX/XX/year> I just received a letter of Foreclosure Notice Complaint Details : Violation of FHA and HUD Regulations : U.S. Bank 's denial of my reinstatement request violates the FHA 's new rules and HUD 's regulations designed to protect borrowers after a forbearance period. 
Failure to Provide Adequate Explanation : U.S. Bank failed to provide a satisfactory explanation or valid reason for the denial, despite my multiple requests for clarification. 
Unfair Treatment : The bank 's refusal has caused undue stress and financial strain, as I have made every effort to comply with the reinstatement process in good faith
Consumer complaint received 2024-06-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Loan South Finance & Tax Service of Troy, LLC (GA)

Repeated phones calls aggressive approach threatening legal actions gir 3 missed payments through fault of not my own and doesn't listen to detail description or proof calling at wrong times when I'm working causing disruption at job by distracting me by obsessively calling from 6 to 8 times a day or until I answer if I answer unacceptable
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.under 15 USC 1681 section 602, states that I have a right to privacy. 15 USC 1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (NC)

Dear Sir/ Madam I am unaware of this debt and did not have an opportunity to dispute this debt. I did not receive the proper notification. If in fact if you believe I received proper notification, please provide the certified mail with a receipt with my signature on there stating I received it. 

Thank You XXXX XXXX