davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

I am aware that, despite customers providing precise information, you have been employing pre-written standard form letters in responses to numerous disputes, complaints, and challenges. I understand this to be illegal since each customer complaint requires individual consideration and handling based on its own merits. 

My letters have been composed and generated using readily available software accessible to everyone. Refusing to process or address my letters would constitute a violation of 15 U.S. Code 1681i. It is against the law to delay processing consumer letters based on the assumption that third-party assistance might be available, as this does not qualify as a legal exception. Whether authored solely by me or with the knowledge and consent of my advisors, I am the responsible party for any letters bearing my name. Failure to respond promptly to my correspondence will be viewed as a willful disregard for my customer rights, leading me to contact my lawyer and pursue legal action. 

In accordance with FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the accepted standard of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe to be incorrect. The proper documentation and validation of all data in a consumer 's file before being made available for creditor use are crucial. Consequently, I treat this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, and I will not tolerate any misinformation linked to my name and financial history. I am determined to fight back vigorously. 

The accuracy of your credit report holds significant importance. The listed allegations fail to meet federal or state reporting requirements and can not be substantiated. I challenge these claims due to their non-compliance with basic reporting standards, which would instill greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. Reporting claims that do not meet regulatory requirements should not occur. Ensuring accuracy and adherence to appropriate formats mandated by the Fair Credit Reporting Act ( FCRA ) and standards like XXXX XXXX is crucial. I kindly request that you handle this matter with the utmost care and diligence. 

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 XXXXXX/XX/year>
Consumer complaint received 2024-07-08
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: Navient Solutions, LLC. (IL)

On XXXX XXXX, 2024, Navient confirmed they received my XXXX XXXX XXXX XXXX application. On XXXX XXXX, 2024, they notified me that they had denied my application. They gave me no reason except to say that I " did not qualify. '' My school was found to have committed misconduct and I am part of the Sweet vs. Cardona class settlement and have XXXX XXXX approval. I provided all the additional evidence that Navient had requested from me - even though my school has already been found to have committed misconduct. They still denied this discharge of my private loans with no specific reason given. 
This is NOT a duplicate complaint. My original complaint was that Navient originally refused to send me the application. Now they denied it without cause - especially since my school was PROVEN to have committed misconduct.
Consumer complaint received 2024-02-02
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

You listen to not XXXX for your benefits. That's why we're not going to further. Went to court on the just that I was everyone VS situation. And there's still refusing to give him money. I XXXX, my car got stolen while I was in XXXX. I filed my claim. They won't give me my money and I have all the neighborhood that state. I was in XXXX and I'm doesn't match out. Do you think I'm gon na make a XXXX, but I'm gon na follow them? You're gon na understand at the time of the instant the transactions. It does not match up but showing you documents, but your city pickworth, saying that XXXX is saying I'm eligible that's all reason you're denying so every time I call it. It's like you're never telling me about me not about. You no, I'm gon na not be you know. Being at the hospital that you listen to court now that I've got appealed. You have no explanation, but but that's only excuse they're saying there's some. Thing, it's on the phone that the title is the metric that I've seen in no documents that. I'm out this senior camera or another. No, nothing like that. Everyone said, so he can't deny the more which they've done already. They said we're out of it now. Because open the car back up.
Consumer complaint received 2023-11-18
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. (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

My account was defrauded last year, I opened a fraud case and filed a police report as instructed by TD bank. The bank said they would send it to global securities and investigate the case, it has been a year and they have NEVER investigated the case, or even gotten back to me. Instead theyve attempted to eschew all responsibility and claim its not their job to investigate the case despite telling me they would do so. At this point it is negligence.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

I am in disagreement with the results of this investigation from XXXX XXXX account # XXXX on my XXXX dipute results.. My account was updated but errors still on my report. The balance is incorrect.. Also the history dates show last payment date is incorrect. Does not match. XXXX XXXX has ruined my XXXX score by putting incorrect information on my report. The other XXXX credit bureas also have incorrect information.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

I RECIEVED MY SSI ON MONDAY XX/XX/XXXX THE AMOUNT XXXX. ON TUESDAY XX/XX/XXXX I GOT MY OTHER XXXX CHECK THE AMOUNT XXXX XXXX. ON WEDNESDAY XX/XX/XXXX I ASKED CHIME SUPPORT HOW TO TRANSFER XXXX TO MY XXXX ACCT WHICH I DID TRANSFER. I WAS WAITING FOR MY DEBIT CARD FROM CHIME TO COME IN THE MAIL. THAT LEFT XXXX IN MY CHIME ACCT. WHEN I GOT UP ON THE MORNING OF XX/XX/XXXX ALL MY MONEY WAS GONE EXCEPT FOR XXXX. WHEN I LOOKED AT MY STATEMENT ONLINE XXXX AND XXXX TAKEN BY $ XXXX AND XXXX XXXX TAKEN BY $ XXXX XXXX DO NOT KNOW THESE PEOPLE. IM OVER XXXX AND LIVE ON XXXX AND I WOULD NEVER EVER GIVE ALL MY MONEY PEOPLE I DONT KNOW. I REPORTED THE FRAUD RIGHT AWAY AND WAS TOLD I MADE THOSE TRANSACTION WHICH I MOST CERTAINLY DIDNT. I EVEN WROTE A STATEMENT TO CHIME AND UPLOAD IT TO THEM. I HAVE CALLED CHIME NUMEROUS TIMES WITHOUT RESULTS THEY REFUSE TO INVESTIGATE THE FRAUD. NUMEROUS I HAVE BEEN HUNG UP ON BY CHIME SUPPORT. IM BEYOND ANGRY AND UPSET. I WANT MY MONEY BACK.
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

Upon renewing my credit card and paying the {$95.00} fee in XXXXXXXX XXXX XXXX I was offered a retention offer to spend {$95.00} in purchase and receive a {$95.00} statement credit. This never posted to my account despite me fulfilling my end of the offer. I have contacted Citi Bank 5 times now, and they refuse to resolve the issue. I have heard complaints of this happening, and I figure they feel I will just eventually give up. Please advise. XXXX XXXX
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank Of America Visa. Charged interest on XX/XX/12 for {$180.00} the same day a full payment of {$10000.00} was received. On statement of charges show payment applied 1st and then after interest. I called to dispute interest charge and they deny removing charges.
Consumer complaint received 2024-03-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (AL)

I took out a personal loan from Mobiloans last year in XX/XX/year>. My payments started at around {$170.00}. The total loan amount was {$2400.00}. I have paid them on time every payment for over a year now. The total amount I have paid them is around {$4000.00}. I still have a balance of {$1400.00}! I'm not sure what the maximum allowed interest rate is for these types of personal loans, but this is robbery! 
Only a small part of my payment goes towards the borrowed amount. At last check, a payment of {$170.00} only paid about {$35.00} towards the principle. I thought this type of activity wasn't lawful. I know they claim to be a tribally owned lender, but they are making loans to the general public.
Consumer complaint received 2024-02-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC (TX)

I asked for help via phone in XXXX due to my XXXX. Was told I would get a loss mitigation packet in the mail. They did not send it.

I called for one again, again it wasnt sent and this form was no longer available on their website. 

Called again in XXXX, was finally sent the packet and filled it out. Emailed it. 

Got a notification that my mortgage was being sold, however there was no actual sale because mortgage went from my mortgage company to my same mortgage company. 

In early XXXX I got a letter about my qualifying for a COVID assistance program and that Id get the details in 15 days. It is the end of XXXX and Ive still not heard back. When I called my lender it turns out they want me to be 90 days late before they will give any kind of answer, which guarantees I wont be able to use Covid assistance. Also they are required to give an answer within 30 to 45 days max. Which they have not done
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Dear Sir/Madam, I am writing to dispute certain information in my credit file identified during a recent review of my credit report. The details I am disputing are not accurate and reflect inconsistencies that could impact my creditworthiness negatively. Under the Fair Credit Reporting Act, 15 U.S.C. 1681 ( e ) ( b ), I request an investigation into these inaccuracies to ensure my credit report reflects only accurate and verifiable information. 

The specific inaccuracies I am disputing are as follows : Original Lender Name Inconsistency : My credit report lists the original lender as Progressive with XXXX and Experian but XXXX XXXX  with XXXX. This discrepancy may lead to confusion or the appearance of multiple debts instead of one. I request that this information be corrected to uniformly reflect the accurate original lender name across all three credit reports. 

Agency Name Variability : The collection agency handling my account is listed differently across the three credit bureausthis inconsistency could imply incorrect reporting of the collection account. The correct name of the collection agency should be uniformly reported by all three bureaus. Please investigate and update this information to accurately reflect the collection agency handling this account.

Status Descriptions Variability : The status of my debt varies significantly across the reports, from Unpaid to Collection account to an extensive description on Experian. This variation could mislead credit grantors about the true nature of the debt. I request a review and uniform update of the status description to ensure it accurately represents the status of my account.

Enclosed are copies of documents supporting my position and highlighting the discrepancies for your review. Please note, I am not requesting the information be deleted if it is accurate, but rather that an investigation be conducted to verify its accuracy. 

I understand under the Fair Credit Reporting Act, you have 30 days to complete an investigation of the items I have disputed and to provide me with the results in writing. If the information is found to be inaccurate, the law requires you to correct it or delete it from my file. 

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

Sincerely,
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OR)

This is a general complaint about disclosure requirements for creditors such as XXXX Chase. They do not furnish enough information on the invoice to identify if charges are indeed accurate or not without requiring a great deal of follow-up research. There should be an easily understandable description of a purchase so that I can verify that I or some authorized user of my account indeed made a purchase.
Consumer complaint received 2024-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (OR)

My student loan servicer is Nelnet. I have been attempting to log into their website to download information that I need to file my income taxes. There is an error with their login system that prevents logging in : every login attempt results in a Username/Password mismatch even after confirming the using name with their system via the " Forgot Username '' process and resetting my password via their " Forgot Password '' process. I even waited for several days after resetting my password to see if a new password just needed time to work it's way into their system. Still no progress. 

I contacted them via email for help with this issue and have not received a reply.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MN)

I have several cards with synchrony bank. They have reduced my credit limit twice due to " high credit utilization ''. However, by reducing my credit limit after I pay, they are the ones contributing to my high credit utilization. The card that it keeps getting reduced on is my Verizon credit card. I also have a Venmo credit card that they are holding payments to them. I called today and they stated that the payments I made to them on the XXXX of XXXX will not clear until the XXXX of XXXX. Again, contributing to my credit usage. 

It feels like synchrony bank is in the business of damaging people 's credit. 

I did call and speak with them on XX/XX/XXXX and again on XX/XX/XXXX. Once to report that a large charge was a scam and they stated they can't help with that and hung up on me. I tried making a payment to cover it and they are not clearing it, when I called, I was " transferred '' but got a dial tone. The second time I was actually transferred and told they could not help. 

The advice I was given from them was that I needed to report them to the credit bureau before they would discuss any further with me.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (MS)

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of XX/XX/1974 the Privacy Act of XX/XX/1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 
15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Consumer complaint received 2023-04-25
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XX/XX/700 I received emails from Bank of America stating that an account was attempting to be opened in my email address. I contact BoA and they stated that it was not successful but still advised that I should put fraud alerts everywhere so that I'm covered. I have added alerts to my credit reports and banks.
Consumer complaint received 2024-04-03
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. (TX)

I have several listed accounts that appear as late when indeed they are not.I requested a investigation into these accounts via US Certified Mail, Tracking # ( XXXX ) I reconfirmed this with an official EXPERIAN credit report twice and both times they verified the accounts as accurate when very clearly it's not as it shows accounts late going from current to 60 days late within a 30 day window, and the error can also be reflected in the pay summary which is attached to this complaint as well. I contacted the company in which Experian is reporting for ( XXXX ) and they verified that they have no contact to this account seeking verification has been made in which means it was never verified by EXPERIAN, this is a flagrant violation in FCRA laws, I've contacted EXPERIAN several times with a 2 year time frame with this complaint of these incorrect accounts statuses and have seen no adjustments. According to law 15 U.S. Code1691i- Procedure in a case of disputed accuracy. If the completeness or accuracy of any item ( s ) of information contained in a consumers 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 ( s ) from the file in accordance to paragraph ( XXXX ) The accounts in question : XXXX # XXXX {$2200.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$1300.00} THESE ACCOUNTS ARE INACCURATE GOING FROM CURRENT TO 60 DAYS LATE IN ( 1 ) MONTH IM WHICH IS IMPOSSIBLE AND ITS Breaking The LAW UNDER FCRA.