davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (IL)

I have attempted to get this matter corrected and resolved for several months, but all of my attempts have been unsuccessful. No one at PenFed has taken the time to address my concerns regarding my credit report. PenFed has continued to report discrepant payment history for different months on my credit reports. The discrepancy happens to be only 1 late payment. I've attached my credit report as proof of the discrepant reporting that has not been corrected. 

In the spirit of compromise, and in exchange for several months of inaccurate reporting and credit denials, I would be willing to accept the month for this 1 late payment to be reported as No Data or Unknown. 

This PenFed account is being reported as 30 days late for XX/XX/2023 on XXXX and XXXX, and late 30 days for XX/XX/2023 on XXXX. The single late payment is being reported on two different months with different bureaus. There is no consistency with how this late payment is being reported to my credit files. I have attached a copy of my credit report to prove this discrepant reporting.
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: Early Warning Services, LLC (CA)

Spoke with " XXXX '' today, and told him that I wanted to opt out of any, and all authorization, that I, the consumer may have given them, written, unwritten, verbal, and nonverbal per 15 USC 6802. I also asked him where they got my information, and he told me, from my financial institution. According to the agreement with my bank, it says that they will NOT disclose any NON-PUBLIC PERSONAL INFORMATION to non-affiliated companies, which includes transaction history that EWS services have been reporting to my consumer report. I was also told there were no Supervisors/managers available to help with his matter. So im escalating this situation here because they are creating LANGUAGE FRAUD. 

According to : The Privacy Act of 1974, CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

15 U.S Code 6803 ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
Consumer complaint received 2024-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-04-19
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. (MI)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2024-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (FL)

My escrow changed and I was not notified because I was on electronic documents. My payments were made automatically from my account and were short. I wasn't called or notified by mail of an issue until 4 months after the problem started. In XXXX I called to straighten the situation out and was given an incorrect figure to bring the account current. The representative pulled from my bank account {$130.00} and should have been {$1300.00}. I was called a few days later to say it still was not correct. On XXXX XXXX The Truist representative pulled from my bank account the difference which was {$1200.00} to bring the account current. I requested to speak with a manager and was told no one was available. I requested a call back and never received one. I also requested to remove the escrow and pay the INS and taxes myself and was told I was denied because I live in a flood zone. This is despite the fact that I have over 80 % equity in my house. On XX/XX/XXXX, I over paid the new mortgage amount oXXXX XXXX by paying XXXX. In XXXX, I received a new statement that included another late fee. I called again and was told it could not be waived. I asked to speak with a manager and was told that one was not available and would receive a call back. I never received a call back. I have not missed a payment in 9 years. I have paid XXXX dollars in late fees and even after I have done everything possible to get this corrected I am still being charged late fees. When I asked if I could get something in writing showing the account is now current, I was told I would have to wait for a new statement. This is blatant robbery and Truist is intentionally using this opaque process to make money on late fees. If the figures to bring the account current were not correct, that is the fault of Truist and I should not be charged late fees. I have wasted several hours on the phone trying to get his resolved and I am still getting the runaround.
Consumer complaint received 2024-01-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: ALLY FINANCIAL INC. (MD)

I called company the day m car was taken and everyday after in tears XXXX XXXX XXXXXXXX n had already made payment arrangements with bank and they were up healed,, all letters sent came to wrong addresses which they put in one envelope n I received last week been calling since XX/XX/XXXX all have different amaonts owed since day one ended up getting congress and you involved I cant take any more with this company
Consumer complaint received 2024-01-12
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

On XX/XX/2023 there were XXXX unauthorized withdrawals from my Netspend Skylight One account totaling {$920.00}. There were XXXX withdrawals for {$400.00}. each and a third for {$120.00}. While running errands in my neighborhood, I stopped at XXXX XXXX to purchase soil and other misc. gardening items needed at home. At checkout my transaction was declined due to insufficient funds, I tried again and again my transaction was declined. I stepped aside to check my account to confirm I did in fact have money in my account and instead saw there had just been XXXX withdrawals made at the local XXXX located down the street from the XXXX XXXX I was at. Upon noticing these transactions I immediately left XXXX XXXX and drove over to the XXXX, I spoke to the staff there and the information they were able to help with was a video showing the customers processing transactions at the ATM Machine located inside their store during the time my account was illegally accessed, which they agreed to release once a police report was filed on my behalf. ( Please note : My bank card and pin were never lost or stolen. I had just tried using my bank card a few minutes before at the XXXX XXXX which was declined due to insufficient funds ) As discussed/agreed with the staff at the XXXX store, upon completing and filling a Police Report with my local police department I was able to obtain a copy of the video. 

I also contacted the bank Netspend skylight reported the fraudulent withdrawals to my account and requested an investigation along with information on how to request a provisional credit. A claim was promptly opened and the instructions on how to request the provisional credit were provided. The credit request was completed and submitted to the bank as instructed on XX/XX/2023 via email. 

On XX/XX/2023 an email confirming receipt of the claim and providing a claim number was received from the bank. 

XX/XX/2023 received an email from the bank stating no errors were found based on their investigation stating they were unable to determine an error occurred. Findings were based on records show the disputed activity occurred near regular areas of activity such as city where I live and shop. Also listed was " XXXX disputed are consistent with account activity '' " Records show that the PIN was not changed prior to the prior of unauthorized usage. Their investigation also concluded that an authorized person benefited from the transactions.
Consumer complaint received 2023-05-02
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Recoveries, Inc. (WI)

In XXXX of 2018 I took out two payday loans with cash in a flash totaling XXXX. In 4 years and 9 months they had added so much interest theyre now saying I owe more than XXXX.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (SC)

The Department of Education Nelnet has released my records to all three reporting agencies illegally under the Family Educational Rights and Privacy Act. 

FERPA is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. 

20 U.S.C. 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interest ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law.

I DID NOT GIVE THE DEPT OF NELNET WRITTEN PERMISSION TO RELEASE MY MEDICAL RECORDS and The three consumer reporting agencies XXXX, XXXX AND XXXX are not listed as an condition to FERPA. 

They are clearly in violation of the law and their illegal reporting has caused me to be denied a mortgage loan, damage my reputation, my character and my livelihood.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (SC)

I had gotten the card and used it sparingly. I had reported the card stolen XX/XX/2022. The customer service representative advised me that my card was blocked from any further charges and a new card would be mailed within 5 business days. Because I did not use the card on a frequent basis, I did not think to check on it. Over the last year I have been dealing with a legal situation involving my four-year-old child. My focus is to continue to provide my child with a safe, stable, loving, and encouraging environment. I did not realize a new card had not been delivered until I began getting calls, emailed, and text about my account being cancelled with the maximum credit limit reached. I have requested a copy of a statement showing the transactions made in order to dispute any fraudulent charges.
Consumer complaint received 2024-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

Since Resurgent Capital Service owns said debts. Please send proof that a 1099 was sent or not from the original creditors. Please provide to me that Resurgent Capital Service is licensed to collect in the state of Pennsylvania and also the UCC and USC codes stating that you can collect on said debt in Pennsylvania and provide the agreement and my wet signature between us and any documents stating that an arbitration was done.
Consumer complaint received 2024-01-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc. (NC)

I was unaware that the hospital was pursuing a debt that occurred over two years ago. Upon discovering this information on my credit report, I contacted the collection agency, but they were unable to provide details. Subsequently, I reached out to the hospital, only to find that they lacked coherent information as well. In an effort to clarify the situation, I obtained my medical records, which incorrectly stated that I was transferred via ambulance. In reality, I initially sought care at XXXX XXXX, but no information was collected during that visit. Unfortunately, due to the urgency of the matter, I have no recollection of that day. 

I am seeking the removal of the medical debt from my credit report based on the provisions outlined in XXXX XXXX XXXX XXXX known as the Consumer Protection for Medical Debt Collections Act. According to this bill, consumer reporting agencies are prohibited from including medical debt arising from a medically necessary procedure or other medical debt less than a year old on a consumer credit report. Additionally, those reporting medical debt must notify the consumer about these restrictions before including it on credit reports. Moreover, debt collectors are prohibited from collecting medical debt less than two years old.
Consumer complaint received 2024-04-19
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. (NY)

There are multiple hard inquiries I see here in my account that I did not authorize or know about down below will list them 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 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 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 XXXX XXXX XXXX  These are all the ones I did not approve there are connected and reported to all the major credit bureaus they all repeat and connect with XXXX, TransUnion and XXXX they all repeat for each hard inquiries I I would appreciate if these can be removed as I did not authorize or consent to these at all.
Consumer complaint received 2015-11-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank - refinancing of equity loanI was notified by bank that my existing equity loan was about to expire. after check alternative sources - I was encourage to simply refinance the loan through the local Branch ( XXXX XXXX, XXXX XXXX ) After submitted all necessary documents the loan was approve by their Mortgage Dept in XXXX XXXX? I had a closing and signed all requested documents - the loan was posted with the new balance available .. now after month+ ( I had drawn no additional funds but made several payments to the equity loan - now they have screwed up now asking for more documents? the local branch called and stated the want a copy wife 's original death certificate - Although I had already furnished it originally - I called the local funeral parlor and they went to the town hall got another certifified and delivered it to the branch personally - now they apparently want more documents - my equity on- line shows XXXX balance available - and even does n't show my equity payments I made through interbank transfers - I have over 15 years experience with never a late charge and both Citizens business and personal accounts .. my credit rating is and has always been excellent with a XXXX + rating - I have always been prudent with my finances and managed them appropriately - I 'm now in XXXX and likely what ever they might need now is in my home in XXXX XXXX - I think they apparently screwed up internally and if additional documents or information was needed - they should have gotten it prior to approval and closing - not now burdening me from a distance with their incompetence - and now without access to their approved equity loan! 

my Address in XXXX is XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX cell XXXX
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$3000.00}
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

I opened a new checking account at US Bank during XXXX to take advantage of a bonus incentive for opening a new account with the requisite amount of direct deposits. I immediately funded my account with {$25.00} sent through XXXX from my other bank account with XXXX. 

I changed my direct deposit instructions with my employer, who sent me a paycheck overnight in order for me to deposit, and therefore, verify the destination for the new direct deposit instructions. The check was deposited via US Bank 's mobile banking application on XXXX. I was then informed the funds will be on hold for seven business days. As a result of there being four weekends and a bank holiday, I have been without money for days, and I will not have any money for another week. Further, US Bank is verifying a check from a XXXX XXXX business account, and though XXXX, which is one of the largest human resources providers in the world. 

To ameliorate the situation, I spoke with a customer service agent thought their chat function on their website. I asked why they chose seven business days, when their disclosure documents claims funds can take between five to seven business days to verify. Moreover, US Bank publicly discloses that {$250.00} should be immediately available upon deposit, but they do not clarify the conditions to have this amount available immediately. The response from the agent was that I should read the fine print in their agreement documents, and there was no offer of relief nor even compassion for the situation I am currently facing. The agent directed me to speak with colleague whom they claimed was in the department that makes the decisions that prevent me from accessing my own money. That colleague claimed to be in their fraud department, and they have no responsibility for reviewing such matters. They then laughed when I said I have no money to buy food to eat. 

Currently, I have no money and I have not eaten in two days. I can not buy food or gas. I have no friends or family who can assist me, and I am afraid that I will not have anything to eat for another few more days. Luckily, I have water. I have missed four credit card payments. Additionally, my student loan servicer withdrew my monthly payment, which my bank has imposed a overdraft fee. 

This writer also claimed, both verbally and in writing, that I am levying an official complaint. There has been no response from US Bank, while I am not confident they have reported the explicit complaint to the CFPB, nor initiated the actions required by a regulated financial institution regarding customer complaints.
Consumer complaint received 2024-04-19
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. (OH)

I just obtained a copy of my credit report and noticed the following errors. 
XXXX XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX I do not have a contract with this company. 
Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of dispute. This is an inaccurate account and needs to be DELETED from my credit report as soon as possible. Section 604 15 US Code 1681 B states nothing should be reporting on my report without my written consent! This is another violation.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

all three credit bureaus is reporting incorrect information regarding XXXX XXXX XXXX XXXX for a total of {$600.00}. This account is paid in full and it needs to be correct XXXX XXXXXXXX XXXX XXXX for a total of {$600.00}.