davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA (CA)

Dear CFPB I am writing to express my profound disappointment and frustration regarding the recent actions taken by First National Bank of Omaha in relation to my business credit card account. My name is XXXX XXXX, and I am a customer who has always valued the services provided by your institution. However, the recent treatment I have received has left me deeply concerned and dissatisfied. 

On XX/XX/2024 I was informed that my business credit card had been subjected to unwarranted restrictions without any clear justification provided. This sudden imposition of restrictions has severely hindered my ability to conduct essential transactions for my business, causing considerable inconvenience and disruption to my operations. 

What is particularly alarming is the demand for highly sensitive and unnecessary documentation, such as my tax records, purportedly for the purpose of identity verification. As a responsible and legitimate business owner, I have always complied with the necessary verification processes and provided all relevant documentation when opening and maintaining my account. However, the insistence on accessing such private financial records without a valid reason raises serious concerns regarding privacy and discrimination. 

I firmly believe that this unwarranted treatment and demand for excessive documentation constitute a form of discrimination and unjust treatment towards me as a valued customer. It is unacceptable that I am being subjected to such intrusive measures without any reasonable cause or explanation provided. 

I urge you to immediately review the restrictions placed on my business credit card and revoke them without any further delay. Additionally, I request that you cease any further demands for unnecessary documentation and adhere to standard procedures for identity verification that respect customer privacy and rights. 

Furthermore, I expect a prompt and thorough investigation into this matter to ensure that such discriminatory practices are not repeated in the future. As a loyal customer of First National Bank of Omaha, I trust that you will take swift and appropriate action to address this issue and restore my confidence in your institution. 

I anticipate a timely resolution to this matter and request a written response outlining the steps taken to address my concerns. Failure to do so will compel me to explore alternative options and escalate this issue through relevant channels. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-04
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. (TX)

I am reaching out to address an ongoing issue with my credit report. Despite previous attempts to resolve this matter, the inaccurate information remains uncorrected. 

This continued inaccuracy is a clear violation of the Fair Credit Reporting Act ( FCRA ), particularly Section 623 ( a ) ( b ), which requires that consumer reporting agencies maintain the highest possible standards of accuracy. 

I have attached a letter that outlines the errors on my credit report. I urge you to correct this issue immediately to prevent further damage to my credit profile. 

I appreciate your prompt attention to this matter.
Consumer complaint received 2024-03-19
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (CO)

Navient continues to attempt to collect a debt that was part of a court order to discharge due to bankruptcy. Navient is aware of their documents stating the court order and loans removed from my account. Navient mailed these documents to a former address that I have not used in over 10 years, even though Navient has my current address on file. I have made multiple attempts via email to provide back these documents to Navient and requested that they remove these loans from my account without success. Navient records calls and I am not comfortable with this type of communication. As such I have requested Navient to email for communication. They refuse to acknowledge my emails and request to comply with the court order.
Consumer complaint received 2024-05-20
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: DISCOVER BANK (TX)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-05-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Peterson Enterprises, Inc. (WA)

I received a text message from Valley Empire Collections on XXXX, XX/XX/2024. Upon calling them back at XXXX I was transferred to XXXX at extension XXXX. XXXX informed me that there was a collection to XXXX XXXX. I informed XXXX that I did not owe XXXX and they needed to stop attempting to collect. She told me that I needed to contact XXXX, which I refused to do and told her that they need to get this resolved with their customer. I further informed her that they were not allowed to contact me again regarding this bill, to which she said it was a debt they would continue to attempt to collect. She then tried to hang up on me. Very rude.
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Neon Newco Corporation (WA)

I received a debit card from the company. I NEVER signed up for an account with this company and I do NOT know them. I attempted to call and inquire who they were, and what the card was for ( as I have no account with them ). It is impossible to speak to a representative without activating the debit card ( which I do not want ). This entire operation reeks of a scam. 

THE ATTACHED FILE HAS THE ACCOUNT AND ROUTING NUMBERS BLOCKED FOR SECURITY PURPOSES
Consumer complaint received 2023-08-31
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

Date : XX/XX/2022 Amount : {$110.00} Actions : I was never notified of any fees once I switched insurance companies form XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. XXXX sold my car insurance without my knowledge to a 3rd party collection service.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (GA)

LVNV ( 3 ) accounts - XXXX - XXXX - XXXX XXXX, XXXX, XXXX all three credit agencies. Seeing that you furnished information without my permission have XXXX me off. I don't have no business with XXXX and you don't have no business with me. How you got my information to harass me about this alleged debt? What authorization do you have to share private information with another third party? How did you come up with the balance? What date did you acquire? If acquired what was the price? What date did you receive an assignment? What date was you transferred the debt? By answering these questions that will help me determine if the debt and reporting is valid. Failure to respond will lead me to believe that you are using extortionate means to collect. Failure to respond will lead me to believe that you have used aggravated identity theft to furnish a repor. Be aware of 18USC894 and 18USC1028a. You are committing crimes against my Estate name. You will be held liable for using false and misleading documentation furnishing inaccurate incomplete and unveritiable information. I will not be paying a total stranger that visicted my rights and damaged my credit anything. the XXXX said owe your brother nothing but love. May you nave a lovely day.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (NV)

1st Progress has Charged Off this account, There-fore this account is considered a certificate of indebtedness. Certificate of Indebtedness is considered INCOME and can not be reported to a credit report. Ther- shall be removed immediately. 

To prove my identity, I have included copies of my passport and drivers license. Ive included a copy of the credit report with the same account for which Im requesting information and erroneous information correction. 

The Privacy Act 1974 - Allows for criminal penalties in limited circumstances. An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is a direct violation.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TX)

I had to cancel my bank debit card and add a new one. At one point it accepted my card but when I tried to transfer money it gave me an error. Then I tried to add a cash app debit card and I actually made some transactions. Then when I tried to add my bank debit card again it said I was trying to add too many cards at once. I tried adding cash app again and it said they didnt support that card. Even though I had used it there before. The same thing happened to my PayPal card. I ended up using bank transfer. And it took a really long time. They told me it could take up to 5 business days. I am still unable to add my new bank debit card with an error saying I was trying to add too many cards at this time. There is also a business account that I dont recall signing up for.
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TRUIST FINANCIAL CORPORATION (PA)

I applied for and received a truist credit card with a 0 % promotional rate for 12 months. When I set up the auto pay for some reason it didn't pay the minimum amount for the first payment and I received a late fee and lost my promotional rate. As soon as Truist contracted me I corrected the auto pay and paid the due amount and set up auto pay with their help. They admitted that its confusing because they have a card account to pay or the main corporate account to pay. One account was showing no balance and the other was showing a balance. I asked because of the confusion in setting it up if they would reinstate my promotional offer as that was the reason for getting the card and they said no and I believe the new rate they would take me to is XXXX which I think is unfair considering they know there billing process is confusing.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Experian Information Solutions Inc. (MO)

Numerous expensive amounts were unauthorized yet approved within my account. I have disputed with my financial institution ; yet I have received a denial on my claim. Reason of decision is because The purchase ( s ) were made in the surrounding geographic area. Which makes no logical fallacy in resulting a denial!!!!!!!!
Consumer complaint received 2023-11-26
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. (NY)

I sent letters over 30 days ago asking how do you verify bankruptcy and how did you get this personal information on my credit report. 
I also ask them to verify this bankruptcy on my credit report and send me a letter explaining the procedure they used to verify this Bankruptcy listed on my credit report. 
They have also blocked me from filing disputes online.
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2024, I received mail from Bank of America stating " We've made the decision to close your credit card. '' for " Irregular authorized user activity on XXXX or more of your accounts ''. 

When I called on the phone, they stated the same thing. I requested further information regarding which irregular activity it is, which they responded with " We can not provide more information ''. 

I told them this is against my consumer rights to not provide any more information, as they can state this, without giving any evidence to why, even if my account had no irregular activity, and I would be taking legal action if they do not. But again, they have mentioned that they are not able to provide further information.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I bought {$500.00} of XXXX on XX/XX/12. PayPal had no problem taking my money and charging their industry-high fees. However ; when I try to transfer that money to an external address, theres an error message. PayPal customer service told me that its due to security concerns and it will clear in 48 hours. It has not cleared and its been longer than 48 hours. PayPal refused to credit me any transaction fees for this. PayPal claimed they have no way of overriding this.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

I have been working on getting my Experian credit report corrected due to Identity Theft. So far, theyve removed ( XXXX ) collections that were not mine. I am bery grateful that they were finally removed. However, after that, my score dropped a whopping XXXX points! Nothing else was added and/or late. The only change was the XXXX collections being removed. I called to get an explanation bc there was not one on the site under my membership. It just showed that it was decreased. 

I called to speak w/consumer affairs and the young lady told me that there was no consumer affairs dept and she hung up on me. 

I need to know what caused my credit to drop from fair to poor and XXXX points
Consumer complaint received 2024-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

I am attempting to obtain a mortgage. My credit is less than perfect due to medical collections on my credit report. I called Smith Rouchon & Associates ( SRA ) on Wednesday, XX/XX/XXXX to pay a medical debt of {$740.00}. I was notified I had other collections with them, one of which was {$4.00}. One debt of {$900.00}, I was already aware of because it was on my credit report. While attempting to obtain a mortgage, the mortgage company used a credit advisor to direct me as to which debt to remove immediately to increase my score. So my plan was to pay the ones they advised me to pay immediately, and work out a settlement for the rest. When I paid the XXXX debt in full, I asked for an accounting of the debts so I can get started on them. This email was sent to me. I called and asked for a receipt that showed that the XXXX debt was paid with a XXXX balance and to receive the accounting separately so that this debt can be updated and removed from my credit. XXXX XXXX XXXX at SRA said she would get with a " carrier '' to send it. I've made this request 3 times and each time I keep receiving a receipt with remaining balances to the other debts. XXXX XXXX XXXX told me that the other reports will show up on my credit report even though this one is paid. This is a false statement because a debt of {$4.00} can not show up on credit reports and I have several copies of my own credit report. Even if this was true, paying off debts will still increase my credit score. I advised XXXX XXXX that these debts are to removed immediately and I do not have time to wait 30 days which is why I need a receipt. I waited overnight and received yet again, the same copy. Today, XXXX XXXX again, told me the debts will show up on my credit report and she wil " try to separate them '' to get a XXXX balance. She stated the company I'm working with is trying to keep the other debts from showing up on my credit report by asking for this type of receipt. I took offense to that because this is not attempt to cover up anything, but to remove now PAID debts from my credit report. I told her I was working with a lender to remove the debts to increase my score as I stated before and reminded her I asked for the itemization so I could pay them. I haven't even received notification that the debts were even with SRA to begin with. XXXX XXXX said the debts are " tied to my social '' so it's difficult to send a separate receipt. I told her the lenders are different, and this has held me up because each time I ask for a receipt I have to wait a whole day for a piece of paper. XXXX XXXX and SRA has made it easy to pay debts, but difficult for clients to receive relief by paying them. It shouldn't be this difficult to get a medical debt removed from my credit after it has been paid.
Consumer complaint received 2024-03-14
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: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

XXXX XXXX and Fair Collections and Outsourcing are weaponizing my credit report against me. I am not disputing the debt, I am disputing the fact that at no point did either of them report all of the positive payments made. The account is past the statute of limitations in NJ. This was placed on my credit for one reason, to force payment of a debt. This is reckless, unfair and an abusive use of the credit report. If they are going to report, then they should have to report from the very beginning. By only reporting the bad, it is false and misleading to current and future creditors of mine. The FCRA was not designed for this. 

I am open to negotiate with them, as soon as they remove this from my credit, as at no time did I know that the primary customer was not paying and following the lease. I was not contacted until it was placed on my credit, again, reckless and abusive. Simply remove this from my credit report, or report it as current, and I will pay it off
Consumer complaint received 2024-05-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RN Financial, LLC (MO)

I took out a {$500.00} installment loan. I paid {$200.00} of it off and was diagnosed with XXXX XXXX. I was no longer able to pay. I had been fighting for my life and was taken to court. A judgment of {$2500.00} was given against me on the {$500.00} loan. I also have a XXXX XXXX XXXX XXXX XXXX and have relayed all of this to them trying to work out some type of payment plan. They have shot down everything. They now say I owe over XXXX and are absolutely not willing to work on a payment plan with them. I have offered XXXX, XXXX, XXXX, and now XXXX and they would rather garnish my bank account that is negative. They are ruining my life over a {$500.00} loan. I believe they are not upfront with the interest charges as no where did it ever say I could end up owing XXXX XXXX dollars on a {$500.00} loan. I lost my mother to XXXX XXXX and have been fighting for my life and this company has no humanity at all. I just want them to be reasonable and work with me.