davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (MD)

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).
Consumer complaint received 2023-04-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC. (TX)

Notice of Intent to Accelerate, dated XX/XX/2023, which advised me the account was in default and if not cured by XX/XX/2023, they would exercise our rights under the law or we would repossess the vehicle. 
I was given this letter the thing is they can sell or give out my info to any 3rd party repossession company without my consent if they do if will be consider illegal I will sue for no more than XXXX XXXX for willful negligence. Payment has been sent for the late payments through a check when i got the bill statement in my mail a little later after XXXX XXXX. THIS IS MY LAST ATTEMPT to settle the inaccurate info reported to my credit report.
Consumer complaint received 2023-04-19
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. (TX)

I do not recall opening an account with this creditor and they have failed to validate this account. I have asked for a contract bearing my signature along with a copy of my id and ssc, but nothing has been sent so how are you verifying this account as accurate. I was involved in XXXX data breach in 2017 and I do believe my information was compromised. You have failed to verify this account and proceed with reporting an account that may have been opened due to fraudulent activity. I am requesting that you remove this account one last time before I am forced to take legal action against you under the FCRA. Please remove account XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I applied for a Credit Card earlier this month and received an email on XX/XX/2023 saying I was denied my securities when I contacted they company to get a specific reason as to why I was being denied my God Given Right to Credit As Granted to me by the Equal Credit Opportunity Act. I was given Misleading in False information until Finally, I was directed to the submit a complaint on behalf of me being denied my securities. I have yet to receive a response.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (VA)

XXXXOn XX/XX/XXXX I contacted American Express via the online chat servicing to inquire about issues with an account recently assumed from my deceased father. As some unknown part of the transfer process was incorrectly completed on the part of American Express, the account was closed in error and rewards erroneously forfeit. I was directed to a specialized estates group via phone at XXXX. This group re-opened my account. 
XXXXOn XX/XX/XXXX I contacted American Express via the online chat servicing to inquire about missing rewards. I was informed that while my account was re-opened, the servicing group had failed to re-enroll & reinstate rewards as part of their Membership Rewards Program. " Your request to reinstate forfeited points was successful. You now have the Membership Rewards Points available. However, it might take up to 24 hours to show up at your end. '' XXXX XX/XX/XXXX I contacted American Express via the online chat servicing as my accounts ( all of them ) were restricted and my Platinum Card was according to the agent " I see this card was closed in error and marked as deceased. '' I had my open accounts unrestricted, and was advised I needed to contact via phone the same specialized group as before. I contacted that group and had the account re-opened again. 
XXXXOn XX/XX/XXXX I contacted American Express via the online chat inquiring about my missing rewards, as once again my rewards balance was wiped to XXXX ( was : XXXX ). I was advised to contact XXXX for additional support and to open a case. I was told I would be contacted again proactively with resolution. 
XXXXOn XX/XX/XXXX I contacted American Express via the online chat inquiring about status of missing rewards. I was told " It seems like the case is still being investigated. '' -Throughout this I have made numerous calls not listed to AMEX in an attempt to resolve through standard escalation channels. I have been rebuffed at every opportunity, and told proactive engagements and actions would come, that never seem to.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

I had my ID, social security card, passport and purse stolen out of my car while in the process of moving. I explained this matter to " XXXX '' and let them know I do not how this collection appeared on my account. I told them i did not open this account and their response was that they could not help me.
Consumer complaint received 2023-10-30
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. (LA)

I pulled my credit report and noticed several inquiries that I did not authorize. On my XXXX report I see 2 inquiries from XXXX XXXX and 1 from XXXX XXXX on On XXXX. On my XXXX report I see there is an inquiry from XXXX XXXX XXXX on XXXX that I did not authorize
Consumer complaint received 2023-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

I requested information from ECSI regarding my loans type, terms and conditions. They are not able to resolve the issue and they pass the issue to XXXX XXXX XXXX ECSI is responsible for signing of their forms. I requested them many times to provide me with official copy of master promissory notes which includes the loans type, terms and conditions for the XXXX XXXX they applied to my account ECSI has failed to provide such documents. Therefore, their request for debt collection to the amount of XXXXXXXX XXXX is invalid as they do not have proper forms, signatures, customer service or supervisors to clarify.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.

Under 15 USC 1681 -602, states I have the right to privacy.

15 USC 1681-604A section 2 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 and open on a consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I have been informed by a debt collector, Portfolio Recovery Services, who filed a lawsuit against for a debt they claim I owed to XXXX XXXX XXXX. Portfolio Recovery Services lawsuit states that a XXXX XXXX XXXX credit card was opened under my name in XXXX and purchases were made on the credit card in XXXX and XXXX totally {$2900.00} that I was liable for. I dispute the validity of this claim by Portfolio Recovery Services. 

I am a victim of identity theft. My personal information was used to open this account and I did not nor have not authorized the use of this account. 

Portfolio Recovery Services lawsuit is the first that I have heard of this debt.
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

Only reported to Experian, a hard inquiry was placed on XX/XX/XXXX and XX/XX/XXXX was alerted to the change by the free monitoring service by Experian this XXXX. This would only occur upon applying for any XXXX related credit or finance which I never have and there is an immediate negative affect on my credit score. I need immediate removal due to their error. This happened last year which was resolved and removed by XXXX XX/XX/XXXX, which I was informed handles most XXXX credit cards as their bank. They submitted an apology letter to me and informed XXXX who they report to remove the mistake and inform the other two agencies. That's the simple and fast resolution I want and it didn't need to drag out.
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

In XX/XX/XXXX, my XXXX XXXX credit card with a XXXX balance ( sold in XXXX ) changed to a charge off with a balance remaining of {$4400.00}. I disputed this item with XXXX XXXX and they verified it as accurate and updated the XXXX XXXX tradeline as dispute resolved with grantee. This tradeline is inaccurate and extremely damaging to my credit reports
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
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: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX.
Consumer complaint received 2023-09-29
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: ALLY FINANCIAL INC. (GA)

I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and XXXX credit report. 

On XXXX XX/XX/2023 I notice unauthorized hard inquiries on my credit report, Id like them removed because I did not authorize the report to be pulled for any reason. 

XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX Ally Financial XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

I got an email this morning at XXXX XXXX from Citizens bank saying I opened an account and deposited 1 dollar into it. I have opened any new checking accounts recently so I am unsure how this got opened.
Consumer complaint received 2017-12-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NE)

XX/XX/XXXX I paid off our auto loan with Fifth Third Bank using the final coupon from the coupon book given at the time the loan was started. This vehicle was paid off 14 months ahead of payment schedule. The date of final payoff in the coupon book is XX/XX/XXXX. I waited for 2 months to receive the title. The first part of this month ( XX/XX/XXXX ), I called Fifth Third Bank. I did not get the name of the person I talked to. I was told that even though I paid the loan off 14 months early, I still owed {$96.00} plus {$.00} interest per day until that was paid. I asked why if I had a coupon book, and I made the final payment based on the payment schedule, why would I owe more. I was told the coupon was simply an estimate and at the time of a final payment I would be advised the additional amount owed. My complaint is twofold - ( 1 ) I was not advised at the time the loan was taken out there might be more owed than what showed on the coupon book & ( 2 ) if this is valid, why when the bank received my final payment would they not advise by letter or telephone call that there was more owed -- I had to make the call 2 months later which increased the final amount owed ( if this is a legal way of doing business )? We have had many auto loans and never have dealt with such a underhanded way of doing business. Any auto loan we have had, once the final designated payment was made, a clear title was sent out immediately. I finally received a letter from Fifth Third Bank which indicates the amount owed and that {$.00} interest would be added daily until they received the final payment. I want anyone who deals with Fifth Third Bank to know that you can not trust their business practices. And I would like to know if I have any right to recover the {$96.00} plus {$.00} day interest accrued on my loan.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have attempted to order check books for a checking account that I had opened over a year ago. I went into the bank to request check books and was told they will not help me, that I must order them online or on a phone app. I attempted to do so numerous times. The only thing it permits me to order are deposit slips. I have a checking account. I have submitted complaint to you the CFPB and got no help in obtaining chek books. You need to do something to fine this institution. I m not requesting that you become a walkie talkie and send messages between the instituion and I. There are laws. I have a right to obtain checks, and bank of America refuses to permit me to order checks. I just did a modification on the mortgage on my home. I need to have payments automatically deducted from my account each month starting on XXXX first. I am unable to set up electronic deductions as I need to send a voided check to my Mortgage company. I am being charged a monthly fee for over a year now and have recieved lousy service from a bank that REFUSES to order me checks, REFUSES to permit me to order them online but tells me I must order them online. I am now unable to set up auto pay for my mortgage, and if I lose my home due to this, I will sue this institution and possiblly the CFPB for not doing anything to force this institution to permit me to have a siingle checkbook. I will not accept a phone call from a bank representative telling me that they will email me instructions on how to order checks. I am not stupid. They are!!! They have no link to order checks. They only have a link for deposit slips, and they REFUSE!!!!!!!! To change that. They REFUSE!!!! To permit me to order checks at the bank. They REFUSE to permit me to order checks over the phone, and they REFUSE! to permit me to order checks online. They charge me a monthly fee, and they REFUSE! to provide me the service that I pay for. I want every fee I have been charged since opening this aaccount returned to me!! And if I do not recieve a checkbook in the mail, by XX/XX/XXXX. I will shut down this account and press charges for refusal to provide a service that I have been paying for for over a year. I am fed up and I don't want any representatives from this institution to call me. They had better send me an email, and confirm that they have mailed me a checkbook. Nothing else is now acceptable. They need to be fined for this as well. This is mys econd complaint to you for this exact same reason, and you closed the account. However, the XXXX of this institution never satisfied my request for a checkbook. And I will continue to bother you until you bother them and fine them, and someone gets fired for not doing their job, and not honoring the contract to provide me with checking account services. They have charged me a monthly fee, yet they have not provided me with a service.
Consumer complaint received 2021-11-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (UT)

I did a FHA loan with City Wide Home Loans in XX/XX/2018. The purchase price was XXXX at a rate of 4.875 and XXXX in costs and they had me bring in {$1300.00} to close. My loan amount was XXXX I have been making my payments and am in the process of refinancing when the new lender calls me to tell me there is a second mortgage on my loan. I dont recieve any statements or make any payments on a second loan. come to find out City Wide did a second loan for 3.5 % of my purchase price, {$7000.00} and liened my home. I don't ever receive any documents about this and now im told the 3.5 % on an FHA loan was only suppose to come from me not a loan, this is against the FHA loan rules. I now have a second on my home I didnt ever know about. Please help.
Consumer complaint received 2018-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio recovery calls all the time I have no debt other than a student loan which is taken care of via XXXX. They called on XXXX XXXX never leave a message and I am ill as is my mother these calls are disruptive and they threaten legal action that day if you dot call back.