davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PENTAGON FEDERAL CREDIT UNION (LA)

PenFed notified me they do not have to lower interest rates and pay back interest over required by LA SCRA since they are not in Louisiana and loan was not applied for and transaction was not done in LA. 

I am in the XXXX and when I moved to Louisiana with orders requiring me to move here they are the only bank that did not abide by the law.
Consumer complaint received 2023-09-22
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. (VA)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX
Consumer complaint received 2024-05-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

My mother 's account has been locked by Goldman Sachs ( XXXX ) for over 2 weeks. Another call on XX/XX/year> did not result in the resolution. The bank claims they were unable to authenticate her. She is an elderly person with limited XXXX. They denided her an interpreter.
Consumer complaint received 2023-10-25
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

1. There are two errors in the address where I used to live. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also have doubts about the calculation of credit scores, because my credit scores are rising in single digits, which is very slow, but the deductions of scores are calculated in two digits, and even once XXXX points were directly deducted because of a small problem!
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On or around XX/XX/XXXX, I opened a checking account with Citizens Bank with a {$1000.00} deposit. On XX/XX/XXXX, I withdrew a {$400.00} certified check to pay for a necessary expense. At this point I had not yet received a debit card for the account. The account balance was then {$600.00}. 

On XX/XX/XXXX, {$500.00} was withdrawn from an ATM along with a {$3.00} foreign ATM fee. At the same time, 3 separate fraudulent checks were deposited and then attempted to be withdrawn in the amounts of {$3000.00}, {$1200.00}, and {$200.00}. 

On the evening of XX/XX/XXXX, I noticed these fraudulent transactions and called the bank 's fraud line, but it was closed for the day. Using the bank 's smartphone app, I flagged the transactions and used the in-app feature to freeze the card to stop any further fraudulent transactions. I was not in possession, nor had ever been, of the debit card. 

On the morning of XX/XX/XXXX, I called to report the fraudulent transactions via phone to the Citizens fraud department. They told me the claim would be submitted and expedited. Several days later, I received a letter saying the claim could not be expedited and that it had been submitted in duplicate. I later received a letter saying no error had occurred and the investigation was ongoing. 

On XX/XX/XXXX I called to follow up and was told that the deposits claim was entered incorrectly by the agent I had spoken to and the debit claim was still under investigation. I was told that the deposit claim would be corrected and resubmitted. 

In a letter dated XX/XX/XXXX, the bank informed me that the deposits would be debited from the account because they were being disputed. However, in a letter dated XX/XX/XXXX, I was informed by the fraud team that they were closing the account and ending their banking relationship with me. 

On or around XX/XX/XXXX, I went in person to the local bank branch to speak to a representative who informed me that the investigation was ongoing and that they would escalate my dispute. 

In a letter dated XX/XX/XXXX, though, I was told that the investigation was closed, no fraud had occurred, and I would not be refunded the stolen {$500.00}. Shortly thereafter, I received a check dated XX/XX/XXXX for {$97.00}, the remaining balance in the bank excluding the disputed funds. 

On XX/XX/XXXX, immediately after I had received letter dated XX/XX/XXXX, I called Citizens to dispute their investigation 's findings and ask to reopen the claim. They informed me that I would receive an email about the reopened claim within XXXX business days. I never received this email or any further correspondence from the bank.
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (FL)

XXXX XXXX # XXXX {$89.00} XX/XX/XXXX, XXXX  {$26.00} XXXX, XX/XX/XXXX XXXX XXXX  {$18.00} XXXX, XX/XX/XXXXXXXX XXXX XXXX {$12.00}, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$130.00}, {$28.00}, {$110.00}. THESE CREDITS WERE REQUESTED VIA THE DIRECT EXPRESS DISPUTE SYSTEM, I DID NOT RECEIVE AN ANSWER. I HAVE SUBMITTED all information to Direct Express XXXX XXXX  ( XXXX ) XXXX. I am refused service from this bank. These merchants have provided substandard products & services or the charge is incorrect. I want full credit for all transactions noted here.
Consumer complaint received 2024-02-03
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: U.S. BANCORP (FL)

Hi! 

A Company named XXXX XXXX, from Delaware, made a hard credit inquiry on my XXXX, and perhaps other as well, credit report. This happened on either XX/XX/XXXX or XX/XX/XXXX. I don't know this company nor I haven't asked for any loan or credit card with them. I am concerned this may be a fraud attempt. I've been forced to waste a lot of time on calls ( called XXXX XXXX XXXX several times with no result ) and emails. 

Parallel to this, on XX/XX/XXXX, ANOTHER company I know nothing about, US Bancorp, made another inquiry on my credit score. This one happened at least on XXXX, perhaps other reports as well. Same situation, I haven't asked any financial product there and I am concerned this may be a fraud attempt. In this case I had no information on how to contact them so I haven't written nor called.

Would appreciate a lot your help on this, finding out what happened, prosecuting these two companies and fixing this information in all three of my credit reports ( at least XXXX XXXX, XXXX ) as these companies are violating my rights and damaging me. Also, if possible, would appreciate some email or evidence supporting that I'm making this claim. 

I only have screenshots of XXXX XXXX / XXXX  showing this credit inquiries, will provide as needed. 

Thank you so much and kind regards
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Mercury Financial Intermediate LLC (CO)

Paid {$1000.00} on XX/XX/XXXX ( one week ago ) and {$300.00} ( XX/XX/XXXX ) on XX/XX/XXXX to lower my balance on the Mercury Credit Card. Funds have been withdrawn from my bank account buy have not been credited towards my balance ( not paid down ) a week later. Today is XX/XX/XXXX. 

I called customer service about this. Rep said he had to do research. I was on the call for 25 min and then Mercury Card hung up on me. 

Issue not resolved.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Volvo Car Financial Services U.S., LLC (TX)

Per the FCRA, as a federally protected consumer, I have submitted a request to now opt out of any and all authorization, I the consumer, may have given to the below creditor - written, unwritten, verbal & non-verbal per 15 USC 6802 & 16 CFR Part 313 which [ in summary ] states that it is a violation of my rights to report personal & nonpublic information to a third party. This should be effective immediately & indefinitely. Below is a detailed description and the specific information that I am requesting to be reflected in my consumer report moving forward per the Privacy Act of 1974.

1 ) VOLVO CAR FINANCIAL SERVICES : Inaccurately reporting late payments. In accordance with the Fair Credit Reporting Act, furnishing any account activity without my written instructions under 15 USC 1666b ; a creditor may not treat a payment on an open end consumer credit plan as late for any reason.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

On XX/XX/XXXX, I opened a cfpb complaint. 
Part of the verified answer, Discover says " As such, a check was mailed to you for your Security Deposit in the amount of {$44.00} on XX/XX/XXXX " 1 ) I never gor any check 2 ) I paid previous statement in full on 12/13/23 for {$2400.00} 3 ) Current balance when account was closed was {$44.00}. 
4 ) I am owed a refund of {$2500.00} ( security deposit ) minus activity of {$44.00} equates to {$2400.00} It is near 30 days and they have my monies not paid back to me.
Consumer complaint received 2024-05-24
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-05-24
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Nelnet, Inc. (PA)

When I was about to XXXX I asked for my degree and my transcripts, but I was unable to obtain those things because I still owe the school of balance. I did not know what I was signing. I was just signing to get to the next semester. That caused me to have a balance and I was not aware of it. By the time I XXXX, which was in XXXX, I had over a {$10000.00} balance with the school. I was unable to get my transcripts nor degree, I am still to this day in XXXX I do not have those things. I did not have a parent or guardian because I was considered ward of the court. Currently I have Over {$57000.00} worth of student loan debt and over {$10000.00} debt with XXXX XXXX I never received any documentation from the school with regards to repayment. I started getting collecting agency calls and I never fully understood why I was confused so I reached out to XXXX and tried to set up a payment plan then Covid happened, and I was unable to keep up with my payments. I worked hard for my degree, and I think its Unfair that the XXXX is keeping it from me.
Consumer complaint received 2024-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc. (NC)

On XX/XX/XXXX someone used my name and home phone ( land line ), a fake XXXX email address, along with the address of a hotel a couple of miles away to open a lease agreement with XXXX XXXX XXXX to lease a XXXX XXXX XXXX inch laptop. I believe this was purchased through XXXX. 
In XXXX of XXXX I received a letter from Unifin , Inc. saying I had a debt of {$540.00}. I thought this was a scam and ignored it. In XX/XX/XXXX I started receiving phone calls and began to dispute this debt. 
On XX/XX/XXXX I called Unifin and found out that it was difficult to talk with them because they said my SS # did not match what they had and could not speak with me. 
I have been in contact with XXXX XXXX XXXX and they have since sent me a letter back saying that I am " the responsible party for the account ''. 
I have filed a police report and am trying to get this removed from my credit report as it is bringing it down. I have also contact the Consumer Protection Division of North Carolina since I have read that XXXX XXXX XXXX had been charged with fraud and was hoping there was another way around this issue. They responded by saying I need to contact the District Attorney 's office ( I will do this after finishing this ).
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently found out through my credit report that more identity theft has occurred after the initial police report was filed XXXX. I noticed this issue when I tried to apply for a house and apartment, and they told me I have an eviction on my credit report that was up for collection. I contacted my credit company, and they sent me a copy of my credit report which shows two account that was open by XXXX XXXX who is my bothers girlfriend ). My brother 's name is XXXX XXXX, and he is currently XXXX ) ( I do not know her contact information ). She is associated with the original identity Theft case ( XXXX ). The address to the places on my credit report : XXXX XXXX XXXX XXXX - XXXXXXXXXXXX XXXX  XXXX XXXX XXXX, Fl. The other address is XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX , Fl . Im looking to get this incident resolved asap. I need to add the info to move forward with the investigation and clear my name and credit to be able to move on with my life!
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLIANT CREDIT UNION (TX)

# # Complaint to Consumer Financial Protection Bureau ( CFPB ) **Subject : Incomplete Foreign Transaction Refunds** Dear CFPB, I am writing to file a complaint regarding incomplete refunds for foreign transactions processed through my account at Alliant Credit Union . 

Issue : On multiple occasions, I have received refunds for foreign transactions that were less than the original charge amount. This issue occurs consistently with all foreign refunds, regardless of the date ( including same-day transactions ) or the country involved. The consistent difference between the original charge and the refunded amount suggests a fixed fee, not a foreign currency exchange fluctuation. According to Alliant Credit Union 's policy, they do not charge a fee for foreign currency exchange on refunds. 

Specific Example : Transaction Date : XX/XX/year>2024 ( Settlement Date : XX/XX/year>2024 ) Merchant : XXXX XXXX ( XXXX ) Location : XXXX, XXXX ( XXXX ) Original Charge : {$6.00} Refund Received : {$6.00} Suspected Cause : Alliant Credit Union may be retaining a fixed fee on refunded foreign transactions, which is not disclosed in their policy. Alliant said the merchants are not returning the full funds. I contacted all merchants involved, and the merchants confirmed issuing full refunds for the original purchase amounts.
Consumer complaint received 2024-02-06
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. (GA)

I need the inquiry removed. The violation made was 15 USC 1681s2 - Responsibilities of furnishers information to consumer reporting agencies. And may be in violation of 15 USC 1681 ( e ) -Procurement of consumer report for resale. The inquiry shared to other agencies is damaging to the credit report.
Consumer complaint received 2024-05-24
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: JPMORGAN CHASE & CO. (CA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. ()

I have been asking the company to correct my personal information recorded on their records since its wrong and some doesnt even belong to me. I tried disputing with the company they come back saying it belong to me but THEY ALWAYS FAIL TO PROVIDE PROOF THAT I GAVE THAT INFORMATION. 

I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong. PLEASE fix EVERYTHING in my personal information that is NOT the following : 1. My Name : XXXX XXXX XXXX delete any other references to names as they are not mine and I have never used any of them. 

2. My Address : Also, please be sure that my address is listed correctly. My address should be listed like this : XXXX XXXX, XXXX, XXXX, XXXX 3. Contact details : My cellphone number should only be : XXXX Email : XXXX 4. Employer : My only XXXX employer that should be on my report is XXXX XXXX XXXX XXXX XXXX  Please send me a new report when you are completed so I may continue to verify its " accuracy. 

Thank you for your time,
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (VT)

New Account - New Account XX/XX/year> Alert Type : New Account - New Account Found On : XX/XX/year> A new account has appeared on your credit report. 
Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

XXXX XXXX XXXX Account Balance {$1200.00} Payment StatusXXXX NameCREDIT MANAGEMENT LP Business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CityXXXX StateTX ZipXXXX Here 's what to do : Call a Restoration team member at XXXX. As specialists, we'll help you determine if an identity theft event has occurred and guide you through any necessary restoration activities. We may take the following actions on your behalf : Contact the Social Security office Review your credit report for indications of identity theft Place a fraud alert or security freeze with the three credit bureaus Potentially Negative - Major Derogatory XX/XX/year> Alert Type : Potentially Negative - Major Derogatory Found On : XX/XX/year> A new derogatory mark has appeared on your credit report. Please review the details of the alert for information that may indicate identity theft.

Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

XXXX Alert DateXXXX Balance Amount {$1200.00} Is CollectionYES Open DateXXXX Payment XXXX XXXX XXXX ( COLLECTIONS ) Status XXXX NameCREDIT MANAGEMENT LP Phone ( XXXX ) XXXX Business TypeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CityXXXX StateTX ZipXXXX Here 's what to do : Call a Restoration team member at XXXX. As specialists, we'll help you determine if an identity theft event has occurred and guide you through any necessary restoration activities. We may take the following actions on your behalf : Contact the Social Security office Review your credit report for indications of identity theft Place a fraud alert or security freeze with the three credit bureaus
Consumer complaint received 2024-02-03
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. (TX)

On my credit report it shows XXXX XXXX with XXXX late payments. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (SC)

They sent me the letter on XX/XX/XXXX and I thought it was fraud. Its a debt collector trying to collect a debt for another debt collector, that doesnt seem legal at all, for the original creditor XXXXXXXX XXXX XXXX. Now its on my credit report so i sent in the validation of debt letter yesterday by USPS with a tracking number : XXXX. 
They should receive it by Monday, XX/XX/XXXX. Im filing a complaint cause this practice doesnt seem legit. How can someone who does not own the debt have it placed on a persons credit report. And actually stated this in the letter. So if I did owe the debt how could i be sure it would be paid correctly or will i have to worry about another creditor trying to collect the debt.
Consumer complaint received 2024-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

My identity was stolen and used in the state of Texas to open utility accounts with XXXX XXXX. The accounts apparently have been sold to a collections agency by the name LVNV Funding LLC who have placed the collections accounts on my credit reports causing significant damage to my credit. 
I contacted the original creditor and they were able to investigate the accounts and determine they are not mine. However, XXXX XXXX still has the accounts on my credit reports. I have documentation confirming the accounts are not mine and I would like them removed from my credit reports IMMEDIATELY as this is preventing me from obtaining credit. 
I have filed a police report along with an identity theft report that I have sent to them and the accounts have yet to be removed. 
I have never lived or even visited the state of Texas.