davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLIANT CREDIT UNION (CA)

I opened this savings account as a condition to a loan I received. I kept the account open after the loan was paid just to have an extra savings spot. I attempted to transfer to my external account on Monday and was prevented due to a limit that was now placed on my account that it never had before and without warning or notice. 
I was given the run around and lied to numerous times by 5 different representatives & supervisors about withdrawing my money from branches in which I was also unable to do. At this point I just decided to just close the account rather than let them hold my money XXXX. 
I requested that a cashiers check be sent to me overnight via XXXX which was XX/XX/24. 
Today is XXXX and I still dont have my funds. Upon calling for a status update I was just told that they made Another Mistake by sending my cashiers check via regular mail with no way to track it because they dont get receipt 's from the postal service, and let me clarify that were talking about over $ XXXX which would normally require some sort of mail insurance, yet they charged me {$22.00} TWICE for the XXXX service on Monday. The only solution being given is to prolong the situation further by stop payments, form request, and re-issuance of the checks. How does that benefit me or make me feel better when my bills are due? So now my credit rating will be damaged to to not being able to pay my bills on time. In final Ill say that every last person I spoke to was incompetent, rude, and unprofessional. 
This institution couldnt be located on the NCUA research data base.
Consumer complaint received 2024-02-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc. (OH)

I have an account with Crypto.com with a little over {$1000.00} unvested in crypto coins. About several weeks ago my account started saying that my password was incorrect, and when I tried to do a reset password I always get an error prompt and it won't let me reset my password. I have reached out to the company multiple times, but I always get the same response from different people, but no option to reset my password. I can provided email responses upon request.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (IL)

XXXX  ( reported as SYNCB/XXXX  # XXXX XXXX : XX/XX/XXXX payment 30 days late. Payment was made on XX/XX/XXXX. I was actually 6 days early, per their own statement, which I have attached. The months right before and after this date are also paid on time, so I have also attached XX/XX/XXXX and XX/XX/XXXX statements. I have not been 30 days late ever. You'd think with all these fees and creative interest hikes, they could afford to get their records straight. Perhaps I should charge them a fee.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$510.00} ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-02-29
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: SYNCHRONY FINANCIAL (GA)

I am writing about a dispute regarding a purchase made on XXXX XXXX on XX/XX/XXXX. The purchase amount transaction ID XXXX. The amount is listed below. I never received the merchandise order just a flat empty XXXX  envelope which I have as evidence. I have attached all the evidence including the tracking information from XXXX. Please address my complaint and advise. Despite contacting XXXX. Despite all the paperwork sent, I was asked to contact my credit card company XXXX. XXXX agreed with XXXX 's response I received the bag purchased. I have attached a PDF with the envelop XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX Order Number XXXX Vendor Order Number XXXX Placed On XX/XX/XXXX Shipped To Order Summary Subtotal {$1300.00} Shipping {$9.00} Total Before Tax {$1400.00} Tax {$84.00} TOTAL {$1400.00}
Consumer complaint received 2023-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

I have XXXX loans, a subsidized and an unsubsidized loan, that are serviced through Mohela. The balances of the loans are {$94000.00} and {$160000.00} respectively, with the subsidized loan having originated on XX/XX/XXXX. Previously, my loans were serviced by XXXX, but I was transferred to Mohela in XX/XX/XXXX. 

In XX/XX/XXXX, I submitted an XXXX for processing, which was completed in XX/XX/XXXX, resulting in a payment count of XXXX for both loans. However, in XX/XX/XXXX, I noticed that my counts had increased to XXXX and XXXX. To rectify the discrepancy, I immediately submitted an updated XXXX and contacted Mohela. The Mohela representative explained that the difference in counts was normal and would correct itself when the XXXX was processed. In XX/XX/XXXX, I realized my previous XXXX was incomplete and uploaded a full version. 

On XX/XX/XXXX, Mohela notified me that my counts had updated to XXXX and XXXX with the new XXXX. I contacted Mohela again to inquire about how to reconcile the counts as I was to that although they were being tracked separately, it was XXXX loan. The representative put me on hold and asked a supervisor, who requested an adjustment that would take two weeks to process. 

When I called again on XX/XX/XXXX to find out why there had been no change, the agent I spoke with a supervisor who said they could see the difference in the counts and would request a manual review, which would take an additional 30 days. During the call, it was apparent that the manual request had not been put in previously. 

During the call, I also inquired about the requirement to be employed by a nonprofit employer when discharged. I had previously explained that I might leave my employer and not work for a qualifying employer. The representative initially informed me that it was acceptable, given the XXXX waiver. Based on this information, I gave notice to my employer. However, during the call, I was informed that this was not the case, and I would not receive forgiveness if I were not still employed at discharge, regardless of reaching the threshold. 

I am now very confused and concerned because I made a decision about my employment based on incorrect information that I received. I need this addressed asap.
Consumer complaint received 2024-01-26
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. (FL)

I am writing to bring to your attention a serious matter regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ) by TransUnion. Pursuant to 15 USC Code 1681 ( 5 ) ( B ) ( ii ) ( C ) ( D ), I am disputing the reinsertion of the following accounts on my credit report : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. XXXX XXXX Account Number : XXXX had previously disputed these accounts with TransUnion, and they were removed from my credit report as a result of the investigations. However, to my surprise, these accounts have been reinserted without proper validation, thereby violating the FCRA. 
The FCRA mandates that consumer reporting agencies must follow reasonable procedures to ensure the accuracy of the information they report. Specifically, 15 USC Code 1681 ( 5 ) ( B ) ( ii ) ( C ) ( D ) states that reinsertion of previously deleted information is only permissible if the furnisher certifies that the information is complete and accurate. 

I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. 
I

kindly request the following actions : 1. Confirm whether TransUnion violated 15 USC Code 1681 ( 5 ) ( B ) ( ii ) ( C ) ( D ) by reinserting the accounts without proper certification of accuracy from the furnisher. 2. If violations are confirmed, take appropriate enforcement actions against TransUnion. 
3. Ensure the prompt removal of the disputed accounts from my credit report. 
4. Provide me with written confirmation of the resolution and any actions taken. 

I appreciate your prompt attention to this matter and the protection of consumers ' rights under the FCRA. Please do not hesitate to contact me if additional information is required. 
Thank you for your assistance in resolving this issue.
Consumer complaint received 2024-01-05
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. (NC)

Upon checking on my credit report, I spotted some inaccurate and fraudulent inquiries that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. I sent my dispute letters to the Bureaus and still not getting any results
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

XXXX is currently reporting my account as late but I was never late. I contacted the company and was told they would correct the problem but it is still showing late on all credit Bureaus. XXXX had my account for automatic payments and I had an email from them saying they were going to deduct my first payment on XX/XX/2023 but they reported XX/XX/2023 as late.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act XXXX  account number XXXX violated my rights.

15 U.S.C. 1681 section 602 A. States that I have a 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. 
This company has not validate any debt.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (IN)

I had my state tax refund deposited into Credit Karma Soend account attached to a debit card. I noticed that the phone number on my account was not mine. I called them about it and the froze my account XXXX weeks ago and it has {$830.00} in it. I found out the next day that it was my son 's phone number and I let them know. My account was not compromised or being hacked. They asked me for information a couple of times and I give them what they asked for. I can't talk to anyone handling my case because they only respond via email! They are not answering my emails now and I can not get any answers!
Consumer complaint received 2024-02-25
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: CCS Financial Services, Inc. (SC)

I was trying to buy a house and i realize i have damage on my report and according to the 15 USC 1681 law there should not be any damages on my report and it is a defamation to my character
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

on XX/XX/XXXX, I came to the realization that XXXX XXXX had wrongfully reported a late payment for my auto loan. I had received a letter in the mail from them that no payment was due for the month of XXXX ( XX/XX/year> ). This is the only reason why I did not make a payment. My account standing had been excellent with no late payments. After speaking to one of their reps, I inquired as to why I had received that letter. They indicated that they did not have a record of any kind of notice like that. I then asked them why they did not contact me by phone to notify me that the payment was late and that they were set to report to the credit bureaus after XXXX  days. Their response was that they did not have my number on file. I told them that was unacceptable and requested for them to have the late payment reporting removed. After the outsourced/foreign representative spoke with a manager ( on a recorded line of course ), she indicated the late payment would be changed to a current status and to please wait XXXX to XXXX  days for their credit department to update. I told them I thought that was far too long. Since then, they were contacted by the bureaus regarding my dispute and indicated the late payment was in fact accurate. They have done nothing but waste my time and I have not been able to secure a desperately needed business loan due to this single recent late payment which cause my credit score to drop by over XXXX points. I have also emailed my request to the CEO XXXX XXXX along with their Chief Marketing Officer XXXX XXXX, and their CFO XXXX XXXX. No one appears to care and this has turned out to be one of the worst customer service experiences of my life. I regret doing business with XXXX XXXX and aside from making this story public, I am requesting any assistance possible in order to rectify this situation so I can get the funding that I need.
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

An account was fraudently opened in my name and then the company continously contacted me to pay them via mail with a symbol on the packaging as well as excessive phone calls, both of which are consumer rights violations
Consumer complaint received 2024-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (CA)

To Whom It May Concern : I noticed in my consumer report there is a collection account off reporting to my credit report by the three major credit reporting agencies. The collection reporting is illegal according to section 18 USCB, FCRA, and Section 1681. 

The collection company that is reporting this fraudulent information is VanceHuffman. I do not own this account, nor do I have any knowledge of this account. VanceHuffman is violating my consumer privacy rights.

Im requesting that VanceHuffman cease and desist from reporting fraudulent information to all three major reporting credit agencies.

In addition VanceHuffam is not licensed or bonded to operate in the state of California. In addition Ive included the IRS cancelled debt income general rules. VanceHuffman is in violation of my consumer privacy rights as stated in Section 1681 of the Fair Credit Reporting Act ( FRCA ), as well as illegally attempting to collect a debt that is fraudlent, and illegally practicing debt collection in the state of California that VanceHuffman is not licensed or bonded to do so.

I hereby assert that VanceHuffman debt collection agency has violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically due to this collection. This action has resulted in significant financial harm and emotional distress. If this matter is not corrected immediately, I intend to seek litigation VanceHuffman to pursue damages and ensure accountability for their actions.

I am formally requesting that VanceHuffman promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681, and 18 USCB theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 


Account XXXX XXXX  Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I'm having an issue with XXXX constantly telling me lies, giving me the run around and keep reporting a bankruptcy that I did not provide permission to do so according to the FCRA. 
Also under consumer law 15 U.S.C 1681 a1,2, and 3... .15 U.S.C 1681s-2. I called XXXX to dispute this issue several times,. On XX/XX/XXXX I sent out disputes concerning the bankruptcy to all XXXX credit reporting agencies Experian XXXX XXXX and XXXX along with the letter from Pacer and my updated information. Almost 2 months pass I called back they said they closed the investigation but I never recieved any mail for it. I called on XX/XX/XXXX and they reopened the investigation so On XX/XX/2023 a representative told me that that they do get there information from Pacer, even after I sent the actual letter I received from Pacer stating that they don't report to anyone. So I asked XXXX where are you getting your information from in order to legally report it. But they keep closing out my disputes. But never send me any notifications of the dispute results. I'm just fed up with this issue it's hending my credit and causing damages I keep getting denied for things due to them keep reporting it
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (GA)

DISCOVER BANK IS IN VIOLATION OF THE EQUAL CREDIT OPPURTUNITY ACT WHICH STATES 15 U.S.C. 1691-1691f This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit. The Dodd-Frank Act added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling. CONSUMER APPLIED FOR ACCESS OF CREDIT VIA THE TENDERING OF AN APPLICATION. APPLICATION # XXXX. ACCESS WAS DENIED ON THE BASIS OF CONSUMER RECEIVING PUBLIC ASSISTANCE AND QUESTIONS WERE ASKED ABOUT CONSUMER 'S DWELLING PAYMENT AMOUNT AND ASSETS. CONSUMER HAS REQUEST A COPY OF THEIR APPLICATION AND ITS VALUATION. DISCOVER BANK RECEIVED AN ASSET BACKED SECURITY IN THE FORM OF A SIGNED APPLICATION BUT CONSUMER DID NOT RECEIVE THE FULL BENEFIT AS PROMISED IN DISCOVER 'S MOST RECENT SEC FILINGS INCLUDING THEIR PROSPECTUS, XXXX AND XXXX FILINGS. AUTHORIZED AGENT FOR PRINCIPAL XXXX XXXX WILL FILE AN INVESTOR COMPLAINT ALONG WITH IRS FORM XXXX REQUEST FOR AN AUDIT OF THE ACCOUNT. Possible penalties for a lender who violates provisions of the ECOA include but are not limited Civil liability for actual damages. Civil liability for punitive damages. Punitive damages are limited to non-governmental entities. Punitive damages are capped as follows : The lesser of {$500000.00} or 1 % of a creditors net worth in a class action lawsuit. {$10000.00} on an individual claim. Costs and attorneys fees awarded to an aggrieved applicant in a successful private action. Equitable and declaratory relief. This complaint is being submitted Without Recourse and with All Equitable and ALL Inalienable Rights Reserved.