davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
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. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to XXXX2 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX  XXXX {$780.00}
Consumer complaint received 2024-03-11
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: LEXISNEXIS (GA)

LexisNexis is continuing to report an allege debt that I do not owe. The company has stated they have deleted the account yet LexisNexis continues to allege I owe this debt. Who validated this debt for LexisNexis?
Consumer complaint received 2023-12-05
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. (GA)

My husband and I called and spoke with several loan account specialists on XXXX before speaking with the collections department. We were not aware that our last payment for our auto loan was due before XXXX. This was because we had previously requested a deferment and those two payments were put on the back end. However, after speaking with a " XXXX '' in collections who was very rude, we scheduled a payment for XX/XX/XXXX and were told that this would not affect our credit. We provided the collections representative with all of the payment information to schedule the last payment for XX/XX/XXXX. However, today I received an alert that the account has been reported delinquent. We have been loyal customers and have always paid our loan. We are very disappointed and frustrated that XXXX would treat us this way after having paid off our entire loan with them after XX/XX/XXXX. At this point, we will NEVER do business with XXXX in the near future because if this is how they treat their customers, I would rather take my business elsewhere and to think that we were thinking about opening a checking/savings account with XXXX  has also left us thinking otherwise. I hope that this issue can be resolved and that XXXX will remove this derogatory inquiry from our credit reports. Also, nowhere in the deferment agreement does it state that the final payment will be a balloon payment. Therefore, we were unaware that we would have to make a final payment of more than {$800.00} in XXXX. Therefore, we only paid the amount that weve always paid on the loan, in which the loan payment was never late. It's not right that XXXX reported the last payment as past due to the credit report agencies. We did make the regular payment, we just weren't aware that we had to make a double payment for the last remaining payment on the loan.
Consumer complaint received 2024-05-23
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (TX)

I attended the XXXX XXXX of XXXX from XXXX to XXXX. I was an older student coming from a very humble family with no high school or college education. 

I was in a dead end job, just making ends meet, not being able to make rent or pay for my car. I decided to enroll at the XXXX XXXX to better my life and future after listening to their sales pitch. I do admit I did not know anything about school loans, federal vs Private, interest rates. I was told that my job prospects would be worth it. After attending a couple years, my significant other educated me on school loans, etc and I saw that my private/federal loans were in the tens of thousands already. I decided to stop the financial bleed and attend a state school. My federal loans were forgiven as part of the XXXX vs XXXX XXXX, but my private loans are still active. These private loans with over XXXX  % interest ballooned up to {$97000.00} at their peak. Originally the principal was {$30000.00}. Once I started paying on them in XXXX, after I finally finished college through a state school, the payment was over {$1600.00} between both loans, with the private loans being {$1200.00} of this amount. After paying them for a year and not making a dent, I refinanced the loans through XXXX as we were very close to filing for bankruptcy. During this time our credit card debt ballooned up to tens of thousands of dollars as we have being paying the refinanced loans for the last XXXX years. I hate myself for not being well educated as to the financial burden I locked my future family into for attending the XXXX XXXX and falling for their fraudulent tactics. I was not the only student to fall for this. The XXXX XXXX administration recently forgave {$6.00} XXXX in school loans for former XXXX XXXX XXXX. This is only for federal loans though. The XXXX Department of Education found that the XXXX XXXX made " pervasive and substantial '' misrepresentations to prospective students about post-graduation employment rates, salaries and career services.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

TJX credit card will increase their interest rate to XXXX in XXXX. My question is, is there a cap on what interest rate that they can charge. Are there ANY limits for interest rate ANY credit card or can they charge whatever they want?
Consumer complaint received 2024-05-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (PA)

Apparently there was a XXXX bill opened in my name and SSN and had been paid by someone other than me. I am not responsible for this debt. I have never gave a wet signature on any document with XXXX or credit management.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

XX/XX/. I went to XXXX XXXX XXXX XXXX in XXXX California, i wanted to insure my new car, after all the paper work they then asked for XXXX $ from my debit card, i gave the girl my debit card she swiped it, i pushed my pin number, IT GOT DECLINED. I checked my bank, WHY IS XXXX $ GONE, i tell the lady " no it went through '' and she said " no it didn't '' i requested a receipt but she could not give me a receipt for what out of thin air no purchase or anything she just couldn't i didn't purchase anything. I call my citi bank right there sitting down around XXXX and to this day the bank has ignored me, made me redo about 10 claims like its going no where i just want my money back from the FRAUDULENT insurance place or the Loop hole master CITI BANK i didnt waste XXXX $ for no service and for fun please help
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MN)

I reached out to Chime on XX/XX/XXXX ( account was closed sometime mid of XXXX ) and then multiple times later to ask them to send me my 1099INT. inspire of repeated assurances, I have still not received my 1099 INT document.

I kept getting told that it's easier to get my tax statement online if I have an online account. An the only way to get online access is to restart an account with Chime. 
Seems like a deliberate attempt to not give me my 1099INT inspire of repeat attempts and assurances that I will be sent a physical copy.
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I have a {$50.00} prepaid Visa Vanilla Gift Card and it won't work anywhere. On their website it shows active with the full balance. I've tried to use it at a restaurant, XXXX and now online at 2 different retailers. I've tried to use it on a purchase less than the balance, more than the balance, and at the amount of the balance. Declined every time. They have no online way I was able to find to report a problem like this. So I'm relegated to waiting on hold for one of their customer service reps, which even getting into that que was an enigma. On hold for 30 min and couldn't wait anymore. I'm not even sure what to do since the sales of these cards are final. Seems like a scam to me. Something needs to be done, it only takes one look at the average 1 star reviews on the XXXX website to see that something is seriously wrong here.
Consumer complaint received 2023-11-08
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: EQUIFAX, INC. (UT)

I have no knowledge of these hard inquires and that hard inquiries are a result of identity theft and that it must be removed within no later than 4 business days as per 15 USC 1681XXXX 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
Consumer complaint received 2023-11-08
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Resurgent Capital Services L.P. (OH)

I have been getting collections from Resurgent and LVNV about an alleged fingerhut account I never had or benefited from and its damaging my credit. I recently learned I was a victim of the XXXX data breech, see attached and filed a FTC id theft report. I would appreciate these accounts being taken off my credit bureau asap as they are incorrect and not mine.
Consumer complaint received 2023-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (CT)

A review was sent to zelle from my bank, XXXX XXXX, in XXXX, the reply came back saying my phone number, XXXX XXXX XXXX, van not be used. Previously, it was used with XXXX, the service was canceled, no issue with Zelle. I request my number reinstated for use with Zelle.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I am the executor of a XXXX account for my grandson with Truist Bank. XXXX XXXX and XXXX XXXX is the account holders. My grandson XXXX XXXX XXXX XXXX. Starting in XXXX of this year my identity was stolen, I have numerous issues with my accounts being hacked and fraudelent charges being made on my account. I place a complaint against XXXX XXXX and now the same issue is happening with Truist. I filed the XXXX dispute in XX/XX/year> and the funds were refunded. The operator that handled the dispute with Truist advices me that she would put a flag on the vendor and any charges attempting to be made from that point would be flagged. Well that was the biggest lie I have been told. The entire check was taken again this month. As of now his account in over {$500.00} in the negative. I shut down the debit card and charges are continuing to go through. When does it end. Now they have denied my refund against being defrauded and this is government funds. Not a paycheck. this is a XXXX account used to care for a XXXX child. Now id you file a dispute with an official bank not a prepaid bank and they refund your money once and then the same charges are made again against the same account wouldn't that be a RED FLAG send out a notification or a call stating hey are you making these charges. But not one red flag or call and they allowed this to happen not only take the entire XXXX check but continue to allow charges to got through until the account is over {$500.00} in the negative. I am appalled at these banks that allow fraudulent activity over and over and over on the same account and not once try to intervene. i need this money back to care for this child and i feel the bank should have caught this a second time around. Please Help!!!!!
Consumer complaint received 2023-11-20
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 have two unknown accounts that I never applied for showing on my credit file.

these following accounts are not mine please delete/remove XXXX XXXX XXXX XXXXXXXX XXXX {$8800.00}. I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency, have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent account :
Consumer complaint received 2024-05-21
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (CA)

After several intense recruiting calls from thXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) I enrolled into their XXXX XXXX XXXX XXXX XXXX in 2006, taking out many federal and private loans to attend this school. I have since suffered a great deal of financial harm, emotional and mental damage, and professional difficulty as a result of their misrepresentation of their hiring rates, graduation/completion rate, and abusive and confusing lending practices. I am a member of the XXXX XXXX XXXXXXXX, so my federal loans for this predatory college have been forgiven, however, despite many calls to Navient 's private loan department over the years, they refuse to give me a discharge despite several lawsuits and several rounds of loan forgiveness for The XXXX XXXXXXXX XXXX XXXX XXXXXXXX . I ask that the CFPB review my case, as I feel I took out these loans for a college that was predatory in their approach in recruitment and financing and completely misrespresented the value of their degree ( which is essentially worthless, barring me from an opportunity to pursue a XXXX XXXX in my field of study ).
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AK)

1. on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> {$1000.00} each was fraudulently withdrawn from ATMS in New Jersey from my checking account using a digital version of my wife 's debit card ( last 4 digits XXXX ) ( total withdrawn {$4000.00} ) 2. on XX/XX/year> a fraudulent purchase was made from XXXX XXXX XXXX XXXX NJ of {$250.00} using the same digital card, last 4 digits XXXX We subsequently cancelled that debit card and got my wife a new one 3. on XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> {$1000.00} each was fraudulently withdrawn from ATMS in New Jersey from my checking account using a digital version of my wife 's new debit card ( last 4 digits XXXX ) ( total stolen {$4000.00} ). 
On XXXX XXXX I submitted a complaint about the fact that Wells Fargo had not responded to a request to reimburse us for the fraudulent use of card ending with XXXX. I did not report the fraudulent ATM withdrawals of XXXX at that time because they were still 'under investigation '. Subsequently, Wells Fargo reimbursed us for fraudulent activity # 2 and # 3 but not # 1. I contacted them again and they refused to either reimburse us for # 1 or to explain why they were not doing so.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MI)

Venmo had suspended my account late XXXX. They had not provided me a reason as to why. I have several XXXX dollars that they froze and are not allowing me access to. They told me they will investigate it in 3-5 business days. It has been nearly 2 months of me reaching out every week and them neither providing me a a reason nor timeline for resolution. I am frustrated as a speak for all low income Americans that a few XXXX dollars can make all the difference in paying of credit cards on time and not having a financial melt down. This is extremely predatory taking several XXXX dollars from those who can not afford it, keeping it and likely collecting interest on it, and not providing adequate communication as to why. This behavior should be illegal and regulated.
Consumer complaint received 2024-05-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Continental Finance Company, LLC (CT)

I received notification that I received an inquiry for a loan from Continental FinanceXXXX. I didnt applied to this loan nor did I agree to have my information used to process the application. I also received their credit card. Again, I didnt applied to the credit card as well. I attempted to call the Bank however I was on hold for XXXX hrs. 

Thank you XXXX XXXX Continental FinanceXXXX XXXX XXXX, XXXX from XXXX