davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING, LLC ACCOUNT # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States.

12 CFR PART 1026.11 ( a ) CREDIT BALANCES. when a credit balance in excess of one dollar is created on a credit account ( through transmittal of funds to a creditor and access of the total balance due on an account, the rebates of unearned finances charges, or insurance premiums, or through amounts, otherwise two or held for the benefits of the consumer ), the creditor shall : XXXX Credit the amount of the credit balance to the consumers account. 
XXXX. Refund any part of the remaining credit balance within seven business days from receipt of a return request from the consumer. 
XXXX make a good faith effort to refund to the consumer by cash, check or money order or credit to a deposit account of the consumer. Any part of the credit balance remaining in the account for more than six months no further action is required if the consumer current location is not known to the creditor and can not be trace through the consumers last known address or telephone number. 

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Consumer complaint received 2024-01-22
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Adjusters, LLC (CA)

I recently received a copy of my credit report and found that you are illegally reporting XXXX XXXX XXXX  information about me. The following alleged account is listed as a Collection with a XXXX XXXX BALANCE OF {$490.00} XXXX, National Credit, Debit Buyer This is a violation of the FCRA and Is also in violation of requisite XXXX XXXX Complaint reporting. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, and you are required to remove XXXX  information that is not true, accurate, and verifiable. please remove the none occur inter at XXXX XXXX To de pot a end. 
well as this account removed. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (OH)

I received an email by chime notifying me that an account was opened in my name. I did not open this account. I called and their company and their website along with their automated system appeared to be very shady. I did not want to disclose any further information to this company due to the lack of security they already show.
Consumer complaint received 2024-07-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC. (IN)

I have argued numerous times that my Tuition Answer Loan was discharged as part of my XXXX  XXXX bankruptcy AND XXXX  XXXX bankruptcy ( see attached ). They have continued to collect monthly payments since then both discharges were filed by the court. As per a number of recent cases, it has been determined that in fact the Tuition Answer Loans are dischargeable. 

See XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) United States Court of Appeals, Second Circuit. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Navient Solutions , LLC, Navient Credit Finance Corporation XXXX XXXX No. XXXX Decided : XX/XX/XXXX Before : XXXX, XXXX, XXXX, XXXX XXXX  XXXX 

There are three student loans that I took out with Sallie Mae ( now Navient ) while I was in college XXXX. The Navient student loans were discharged in Bankruptcy. I have attached the discharge papers that include other " student loan '' companies as well as the courts sentence stating that the unpaid amounts have been discharged. The other " student loan '' companies have realized the loans were discharged in Bankruptcy ( see additional attachments. ) These are all non-qualified private student loans, so they are not exempt from discharge under the bankruptcy code. They were taken out as direct consumer student loans, not certified by the school, and they were in excess of any scholarship and the federal student loans that covered by tuition. No further petition needs to be filed with the court for the discharge, according to the bankruptcy code any non-qualified private student loans are automatically discharged. I've told Navient this multiple times, but they just say that student loans can't be discharged in bankruptcy, which is only accurate for federal and private qualified student loans.
Consumer complaint received 2024-01-23
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica ()

This is a follow up to complaint # XXXX which was closed. Comerica bank indicated that on XX/XX/XXXX that all of my remaining social security funds were sent back to social security via ACH. It is XX/XX/XXXX and social security is telling me on XX/XX/XXXX that they have received NO money back. Please see social security response below. I need help getting Comerica to follow through in sending money back to social security ASAP. 



Thank you for contacting the Federal Benefits Office in the American Embassy XXXX. 


There is no returned payment on beneficiary 's record and Social Security Administration can not request to reclaim funds from any financial institution in life cases. Social Security recipient needs to get in contact directly with XXXX XXXX to resolve the issue. 
Should you have any questions on Social Security matters, we remain at your disposal. 
With respect, XXXX XXXX Claims Representative *****
Consumer complaint received 2024-01-23
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: National Credit Adjusters, LLC (TX)

I came to an agreed offer that was to be paid in order to close the negative account with " national credit adjusters , LLC ( original lender XXXX XXXX  ''. I made two payments, one on XX/XX/XXXX and the other on XX/XX/XXXX, rendering the account paid in full. However, when my credit report became available, XXXX reported that I still owed a balance, thus affecting my credit negatively. I have the reference number with halsted financial services which is XXXX
Consumer complaint received 2024-01-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

On XX/XX/XXXX, we closed on a HELOC with Citizens Bank for XXXX dollars. Shortly after, I received XXXX bank checks from Citizens to payoff outstanding credit cards and a personal loan. 
On XX/XX/XXXX, I went to the Citizens Bank branch in XXXX XXXX XXXX, in Florida to make a wire transfer for XXXX dollars. The wire transfer was an investment opportunity in my friends and former co-worker 's company. A person I have known for XXXX years. 

A few days later I received a telephone call from Citizens Bank fraud Department, the person on the phone requested that I explain the purpose of the XXXX, wire transfer. She also told me, that the HELOC funds had been frozen due to suspected fraud. 
I explained to the bank employee the nature of the wire transfer. After my explanation the Fraud Department employee was satisfied and informed me that she will report to the Bank our conversation and will proceed to request the reopening of my HELOC. 

On XX/XX/XXXX I contacted Citizens Bank regarding my HELOC funds that are still frozen. I received the same answer that the account was frozen due to fraud. As of XX/XX/XXXX my HELOC funds are still frozen. I currently making payment towards my HELOC loan.
Consumer complaint received 2024-07-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Ascent Holding Co (SC)

Ascent Funding funded a XXXX $ loan for a XXXX XXXX XXXX. Starting on XX/XX/XXXX, they have ignored all secured messages on their site regarding deferment program they have. My phone calls would be sent to their customer service line and then I was prompted hung up on. My last communication with them was on XX/XX/XXXX, where I asked why no one had responded to the deferment forms I sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told the problem was being escalated to a manager because I should have received communication on the site.
Consumer complaint received 2023-05-14
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. (VA)

I had tried several times to get this account removed from my credit report. Experian refuse to remove it even after I have sent the FTC report and the police report. I don't what else to do other than getting a lawyer!! It is a collection from XXXX XXXX for {$6100.00} it is FRAUD and should be REMOVED!!!!!!
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

Credit reports shows an account ending in XXXX from well fargos. Account is not mine. I called well Fargo and they looked up my account amusing my social security number. The lady, Marge, indicated there is no account under that social with well a Fargo. Which I knew I never opened an account with Wells Fargo. She states a customer advocate from well Fargo would call me. I believe wells Fargo opened this account without my knowdledge and later closed it and its still reporting on my credit reports. Well Fargo has a long history of opening up accounts without peoples knowledge
Consumer complaint received 2024-01-13
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: EQUIFAX, INC. (GA)

XXXX, XXXX, and Equifax on or around XX/XX/ responded to my letters without following FCRA guidelines. They were unable to verify the accounts on my consumer reports with my signature within 30 days. 

XXXXXXXX XXXX XXXX AMMOUNT : {$69000.00} ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX  AMMOUNT : {$750.00} ( XXXX XXXXXXXX XXXX XXXXS LATE PAYMENTS NEEDS TO BE REMOVE REASON : 15 U.S CODE 1681a- ( i ) report containing information solely as transactions or experiences between the consumer and the person making the report. 



INQUIRIES NEED TO BE REMOVED. I DID NOT AUTHORIZED THEM. THESE COMPANIES DID NOT PROVIDE AND SIGNATURES SHOWING THIS
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (FL)

why is this account being reported with 2 different dates of last activity? which reflects on my credit report as of XX/XX/2024. 

per Section 604 contains a list of the permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C.

15 usc 1666 b A creditor may not treat on open end consumer credit plan as late for any purpose.

Ally Financial sold the debt to a third party which violates FCRA 15 usc 60802 ( b ) Identity theft A financial institution may not disclose non public personal information to a non affiliated third party.

15 usc 1692 ( f ) # 6 unfair practices talking or threating to take any non judicial action to affect or disablement of property. 

Ally sold the debt and says it is closed yet are still reporting it as late on my credit, aswell as hurting my EX husbands credit XXXX XXXX, and sending harrassing letters after i requted them to stop.
Consumer complaint received 2024-01-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (AL)

When I applied for the loan I got it and was told about other things that I would get from having the loan, such as a XXXX dollars gift card every month do to whatever or spend however, I have not received any gift card or any thing else and I'm paying XXXX dollars a month I haven't seen any of the perks they told me about.
Consumer complaint received 2024-04-18
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. (IL)

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Consumer complaint received 2024-01-11
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 (MN)

I WROTE TO THE COMPANIES TO STOP REPORTING INQUIRIES PER 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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.
Consumer complaint received 2024-01-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC. (CA)

I financed car XXXX XXXX XXXX from XXXX XXXX  and I had loan with ally bank Due to job lost I did not make few months payment. My car was reposed XX/XX/XXXX. XXXX XXXX  approved my loan with high interest rate monthly {$720.00} car payment plus gap insurance. 
I requested for my personal items but they never gave me a information where is my car now.
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXXXXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$930.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$950.00} ), XXXX XXXXXXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$450.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ), XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$1500.00} XXXX XXXX XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-01-12
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. (PA)

Subject : Request for Deletion of Late Payments and Correction of Reported Balance - Account Number XXXX Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to bring to your attention discrepancies related to my XXXX XXXX account with the account number XXXX. The occurrences in question occurred in XX/XX/XXXX and XX/XX/XXXX, impacting all three major credit profiles- XXXX, EQUIFAX, and XXXX. 

In adherence to pertinent federal laws and regulations, I am seeking the removal of late payments and correction of reported balance based on the following provisions : 15 U.S. Code 1681a - Definitions : This section emphasizes the importance of accurate and fair information reporting to credit bureaus. 

15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : Outlining permissible purposes for accessing consumer reports, stressing the necessity of accurate and up-to-date information. 

Privacy Act of 1974 ( 5 U.S. Code 552a ) : This Act ensures the proper handling of personal information by federal agencies, promoting transparency and fairness in data usage.

15 USC 6802 ( b ) ( c ) - Protection of Nonpublic Personal Information : Establishing safeguards for the protection of nonpublic personal information, underscoring the significance of privacy and security in financial transactions. 

12 CFR 1016.7 - Accuracy of Information Furnished to Consumer Reporting Agencies : This regulation sets forth requirements for the accuracy and integrity of information provided to consumer reporting agencies.

15 U.S. Code 1666b - Timing of Payments : This section highlights the timing of payments, reinforcing the need for accurate reporting in relation to payment schedules. 

Furthermore, I have identified a balance inaccuracy being reported as {$19000.00}, whereas the correct balance of this account is {$18000.00}. I kindly request that this discrepancy be rectified promptly to ensure the accuracy of my credit information. 

Enclosed with this letter, you will find supporting documentation, including proof of timely payments during the specified months and evidence of the correct account balance. I appreciate your thorough investigation into these matters and request that you keep me informed of the outcomes. 

Thank you for your attention and assistance in resolving these issues.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Incurred {$5.00} account management fees on savings account, although we had been advised for several years this was not applicable due to " Preferred Client '' status. When we called in on XX/XX/24 we were refunded amount ( for XXXX ) and told on a recorded line this was a bank error as we should not have fees due to our status. The rep advise, to be safe in the future, put at least {$300.00} in account which we did the same day. The next two months we incurred {$5.00} fees again. We called in XX/XX/24 at XXXX XXXX, with no resolution and a promise to call us back to resolve. No call was received. We called in XX/XX/24 at XXXX XXXX  and talked to XXXX in XXXX. She was able to refund one of the {$5.00} fees ( for XXXX ) but was unable to refund {$5.00} for XXXX. I asked for escalation and for the call to be pulled since I was incorrectly advised. She escalated to her manager XXXX, who could do this, with the promise for resolution by XXXX. No one ever called. In mean time we incurred another {$5.00} account fee for XXXX. On XX/XX/24 at XXXX XXXX  I spoke with XXXX from XXXX  XXXX I asked to close account and get refunded for the outstanding fees. She advised I couldn't close account if I wanted my refunds. She submitted to the " backend team '' an escalated request for XXXX and XXXX refunds of fees. They were declined the next day via email. Called again XX/XX/24 XXXX XXXX spoke with XXXX from XXXX  XXXX then escalated to XXXX the manager. Manger could not and would not refund saying after the " back office ' declines there are no other remedies.
Consumer complaint received 2024-01-12
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 listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-07-15
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. (TX)

I sent letters to each credit bureau ( Experian, XXXX and XXXX ) on XX/XX/2023 regarding some inaccurate information reporting on my credit report. They are all reporting different information on the same accounts. None of the bureaus have responded and it is well passed the 45 day response period.