davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: DISCOVER BANK (CA)

Discover bank ( online savings account ) charged me a {$30.00} insufficient fee while I have enough balance on my account. Their weird accounting system held my deposit for excessive amount of days. Instead of paying out a payment using my balance, they claimed I have insufficient fund, not honor the payment, and charged me a {$30.00} fee. I've contacted them at least 3 times though their online messaging system but every time their response is like a robot, quoting me a lot of fancy words without working on my issue. I even warned them the last time I'm going to report to XXXX  but they still refuse to cooperate. 

I first tried to file a compliant to XXXX but they said banking is out of their coverage so I figured you guys are the correct place to file compliant.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

On XX/XX/year> logging into my BMO account in order to XXXX  my son {$100.00}, I noticed a pending ACH to XXXX XXXX for {$3600.00}. I immediately called and after 3 attempts to block the ACH with customer service agents who said they couldn't help, I requested the manager, XXXX. He said they couldn't stop or block the ACH but could only freeze the account and submit a fraud investigation. In the process, I identified 3 other unauthrozied/fraudulent ACHs to XXXX for {$500.00}, {$200.00} & {$50.00} that occurred on XXXX. XXXX said we had to submit another fraud investigation. XXXX said the bank could not provide a timeline for resolution but did say I would received written notification. To date I have not. Nor is there anything on the website from the company regarding my problem when I login ( now with a new password ). There is no way to use chat, send a secure email/or any email nor any information about how to communicate with the bank in writing whatsoever. More troubling there's nothing on the site about fraud alerts or anything about an emergency problem like fraud. I tried calling today with the confirmation codes XXXX gave me but the agent said there was nothing to report.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TX)

I XXXX XXXX entered into a consumer credit transaction with Citi on XXXX XXXX. An adverse action was made against me by this corporation, pursuant to 15 USC 1681m. 15 USC 1681m only mentions a denial of employement not credit. I was violated as a consumer because I am the original person/organization who extends the credit according to,15 USC 1602e and 15 USC 1602g. 

Also Citi and XXXX are in violation of the Gramm-Leach-Bliley Act. I was never given a privacy notice or a opt-out notice from either corporation. I never gave either company permisssion to disclose my non-public personal information ( NPI ).
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MD)

This account was closed by the creditor on XX/XX/XXXX. My total balance due by XX/XX/XXXX was {$520.00}. On XX/XX/XXXX, I paid the balance in full, which left my account at {$0.00}. After the account was paid in full, Comenity proceeded to apply interest charges and late fees. In XX/XX/XXXX, Comenity reported that the account was late to the credit bureaus. I contacted Comenity to inquire about the charges, which were reversed and corrected due to the account being paid in full. However, no changes were made to the credit bureaus. I completed a dispute with all XXXX bureaus in XXXX, which all were corrected with the exception of XXXX, which not only reported I was late in XXXX but reported I was also late in XXXX. I contacted Comenity on XXXX and learned that my account had a credit for overpayment in the amount of {$2.00}. I was told I must email the credit reporting department with the error. I emailed the credit reporting department to be advised a refund was being sent, but a " good will adjustment '' could not be made on my account.
Consumer complaint received 2023-12-21
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. (FL)

TRANSUNION is in violation of my consumer rights. 

List of Violations : Pursuant to the privacy act of XX/XX/1974 it states no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to written request. 15 USC 522A 15 USC 1681b permissible purposes of consumer reports Pursuant to 16 CFR 313.7 privacy of consumer financial information 15 USC 6801 protection of non public personal information I would also like to opt out under 15 USC 6802-6805 obligation with respect to disclosures of personal information.
Consumer complaint received 2018-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

Several times in the course of the last year, I have made large lump sum payments to my student loans ( Federal ) which are serviced by NelNet. On the subject line of these checks, I write my account number, and the instruction to " Apply to Loan Group with Highest APR!! '' Despite these clear instructions, NelNet repeatedly applies my payments to the loan group with the LOWEST rate, a fixed rate of under 4 %. I don't care to pay down this aggressively, I'm trying to knock out the 6 % APR debt that is growing too fast. 

NelNet errors in their own favor over and over again. Most recently with a lump sum of {$3000.00} sent in the month of XX/XX/2018. I have just emailed them to have it adjusted, and I'm sure they will comply ( as they have in the past ). But it's criminal that the onus is on me, the borrower, to make sure my payments are applied fairly. NELNET IS RIPPING OFF STUDENTS.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

On XX/XX/XXXX I received a {$29.00} late fee from Bank of America on a past due balance of {$0.00}! I called their call center and they waived the {$29.00} fee, but I wanted to alert the CFPB that Bank of America is ignoring both the XXXX law on excessive fees and the new law imposing {$8.00} late fee limits. 

If there is a better way to make regulators aware of Bank of America 's illegal practices, please let me know.
Consumer complaint received 2024-04-12
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: EQUIFAX, INC. (IL)

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 2023-06-15
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: Consumer Portfolio Services, Inc. (OH)

In accordance with the Fair Credit Reporting Act, Consumer Portfolio Services account # XXXX, has violated my rights. Between XX/XX/2023 and XX/XX/2023, my Consumer Portfolio Services account was reported as 30 days late. I have not made a late payment.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-11-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (CA)

On XX/XX/2018, I sent a letter of validation to Amcol Systems Collection Agency. 

On XX/XX/2018, Amcol Systems returned to me a document that shows an account with my name on it and an address in which I have never resided at. I requested that they send me a signed contract or a hospital registration with my signature from the original creditor. They have not provided me with any proof that this debt belongs to me. 

On XX/XX/2018, I sent a letter of removal demand. This item has not been removed from my credit file and is still being reported even during the entire dispute process. 

On XX/XX/2018, I sent a 2nd request of removal letter. Request is still being ignored. 

Please see attached : Due to website issues, I am unable to successfully upload my supporting documents at this time. Please contact me with an alternative method. ( fax number or email address )
Consumer complaint received 2024-07-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Westlake Services, LLC (TX)

When I went to pay my car loan with Westlake Financial, I noticed a new personal loan payment portal from Wilshire Consumer Credit, a subsidiary of Westlake Financial. It had a personal loan for {$5200.00} and 42 % interest that I was expected to pay on and sent to a bank account I never opened up in a town i do not reside in. All attempts to get verification of the emailed sheriffs deputy case number have been totally fruitless. the facts support that it was not me that took out that personal loan. zit should be also noted that this was an E-signed loan which i never received any calls, emails or text notifications for verification purposes. They will not follow the contact information in the open case to get their money back, as the detective has told me the bank has protections to get their money back. this originated between XX/XX/year> to XX/XX/year>. The fraudulent account is with Wilshire Consumer Credit. Account XXXX
Consumer complaint received 2023-03-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (PA)

On XX/XX/XXXX I went to a car dealer called XXXX XXXX at XXXX XXXX XXXX, XXXX, PA XXXX to buy a car, I looked at a XXXX XXXX XXXX truck I asked about the price they told me it cost XXXX usd I told them that If I took it with me later they convinced me to take it on credit to build credit in the USA I told them I didn't want to buy it with cash they forced me to buy it on credit they asked me for a down payment of XXXX and all my legal status information on accounts bank and they made all the movements without confirming anything until they told me sign here and the truck is yours after signing they gave me a paper to pick up the plates in XXXX after XXXX days they sent me the contract with a financial company called CREDIT ACCEPTANCE When I read it, I realized that I had to pay XXXX a month, which I assumed that I could afford it. The week I took the truck for the PA mechanical inspection it did not pass, I had to pay for repairs out of my wallet because they did not accept the repair policy that the dealer made me buy. After a year of payments and calls for repairs, they have not been able to give me an answer and my bank account is XXXX over the transfer and I have asked to refinance with other companies and they do not accept due to the excessive cost of the truck and the title is damaged, thanks for listen to me
Consumer complaint received 2023-03-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I applied for a bank of America business credit card back on XX/XX/2023 and application was received after I sent about 8 documents including sensitive information they requested including my tax returns for both years. After reviewing all the information, bank of America declined my business credit card application and sent me the decline email and letter XX/XX/2023 ( see attached ). 

Fast forward to today XX/XX/2023 and I wake up at XXXX XXXX to an inquiry on my credit report from bank of America. They pulled my credit again for this same application that was already closed without my consent. I never called or talked to someone and asked for this reconsideration, my report is not allowed to be pulled a 2nd time without my authorization. I need bank of America to work with XXXX to remove the inquiry dated XX/XX/2023 from my credit report as this was not authorized. You can't say that it was a reconsideration because I never asked for this and if I were to ask, I'd expect to be told I would get another inquiry. This inquiry needs removed as it was not authorized.
Consumer complaint received 2023-03-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

In XXXX I sent letters to XXXX, Experian and XXXX expressing my concern regarding me not providing permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that reporting of this information be blocked and deleted. My request to block is NOT being made in error ; XXXX is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
Consumer complaint received 2023-03-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

In XXXX I sent letters to Equifax, XXXX and XXXX expressing my concern regarding me not providing permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that reporting of this information be blocked and deleted. My request to block is NOT being made in error ; XXXX is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
Consumer complaint received 2023-03-13
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. (CA)

experian you are reporting accounts that do not belong to me i have sent so many disputes and its getting annoying your not helping me please delete XXXX  account XXXX XXXX XXXX  account XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX delete off my credit XXXX and XXXX are the same account you cant doble report
Consumer complaint received 2023-09-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute the following information that this company supplied to XXXX and EXPERIAN, these consumer reporting agencies have yet to explain, update, and remove the inaccuracies. 
This item XXXX XXXX XXXX is inaccurate because the information they have provided is not my debt or amount stated. This creditor stated that I owed {$560.00} under a creditor name XXXX XXXX XXXX, that item was removed on XXXX, the debt returned under a different unaffiliated creditor named XXXX XXXX XXXX in the amount of {$610.00}, The bill that was sent to me has an amount of {$440.00}, I HAVE NO CONTRACTUAL OBLIGATION with this creditor, I do not know this creditor Nor have I authorized this creditor to report to my Consumer Report and according to the law is illegal.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had taken out a loan online through XXXX XXXX XXXX. I did not know these loans were involved with rent a bank schemes. I am not a tribal member. I am a XXXX citizen and a XXXX  resident. These types of loans are illegal in the state of XXXX  especially due to the amount. Of interest they charge. I am disputing this debt and had made that clear to Transunion. My complaint it that transunion should not allow XXXX  to report to them and allow this on my credit.
Consumer complaint received 2024-05-25
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: Experian Information Solutions Inc. (CA)

I don't recognize these Hard Inquiries. I already contacted the credit bureaus on XX/XX/XXXX but I did not receive a decision. 

Delete Hard Inquiries EXPERIAN - XXXX XXXX XXXX ( XX/XX/XXXX ) Delete Hard Inquiries XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Delete Hard Inquiries XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (NC)

XXXXXXXX XXXX, XX/XX/2019, {$1500.00} XXXX XXXX XXXX XXXX, XX/XX/2019, {$20000.00} XXXXXXXX XXXX, XX/XX/2019, {$5900.00} XXXXXXXX XXXX, XX/XX/2019, {$1300.00} im requesting to have all negative items removed due to fraud activity. i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one is reporting I had a {$5000.00} credit limit card. Which I do not recognize at all for ever having. Can I get this removed off of my credit report completely. This is incorrect information affecting my credit score. Theres a balance of {$6700.00} which I do not own this at all. Capital one platinum credit card is the credit card.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (AZ)

JPMorgan Chase & Co has obtained and reported nonpublic personal information about me without any agreement in effect that would authorize them to do so, in clear violation of 15 USC 1681b, and relevant identity theft statutes. I do not, nor have I ever had any account or agreement in any capacity with any JPMorgan Chase XXXX and/or subsidiary. JPMorgan Chase sent a letter to me confirming that I do not have any accounts with them in connection with a separate CFPB complaint formerly filed. JPMorgan Chase & Co obtained my consumer report at least once on XX/XX/year> from XXXX XXXX XXXX with no authorization from me. With no agreements/contracts between JPMorgan Chase & Co and myself, JPMorgan Chase is subject to relevant statutes regarding protection of NPI including but not limited to Regulation P and Regulation V.
Consumer complaint received 2023-06-15
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

The Following Addresses are incorrect and have not been removed from my credit report. None of these addresses are correct and I've never lived at them. 

XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX