davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by athird party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and cardused my personal identifying information to apply for goods, services, or money ; and, wassuccessful in creating some accounts. I have no knowledge of this and all is beinginvestigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumerreports I never gave any written consent to report anything on my consumer reports... noconsent is fraud. Please delete the accounts : 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 2023-11-30
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: CITIBANK, N.A. (CO)

I used to live at an apartment house, address XXXX XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. I moved out of there in XXXX of XXXX. A CBNA Wayfair credit card was opened in my name from a person living at this address in XXXX of XXXX. It showed up in my credit report so I called them to report it as fraud in XXXX of XXXX. They dropped the case in XXXX of XXXX and sent all correspondence to the old address. Citbank seems to take no reponsibility for issuing a credit card to a complete stranger in my name. I need this removed from my credit report and history and they will not cooperate.
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to dispute inaccurate information that has been reported by settled accounts on my credit report. Upon reviewing my credit report, I have noticed discrepancies that need to be addressed promptly. I am concerned that this inaccurate reporting is negatively impacting my credit score and financial standing. 
BK OF AMER XXXX - There is a possibility that this information may be inaccurate. This must be removed immediately. 
Despite settling this account, the information reported inaccurately suggests otherwise. It is my understanding that settled accounts should reflect their accurate status on my credit report, and any discrepancy is not only misleading but also damaging to my creditworthiness. The terms of our settlement agreement clearly outlined that the account would be considered satisfied upon completion of the agreed-upon settlement amount. Therefore, I am puzzled as to why this information is not accurately reflected on my credit report.
Consumer complaint received 2017-04-08
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (OH)

I sent via USPS Certified Mail the following letter with documentation. I just received note from the bank that they never received the data and closed my dispute. I have a receipt from USPS Comenity Bank received the data. This has been an ongoing complaint since XX/XX/XXXX. Please help me with this opaque and perhaps dishonest bank. 
XX/XX/XXXX Sir/Madam, Acct ending XXXX Dispute Please see the attached pages from my XXXX Statement. 

XXXX issued a the following cheques to Comenity Bank : XX/XX/XXXX {$470.00} Rejected and returned XX/XX/XXXX XX/XX/XXXX {$1100.00} Rejected and returned XX/XX/XXXX I twice paid Comenity, unfortunately the money was returned. I did not know this and found out by accident when logging into my account. I immediately called Comenity and then wrote a personal cheque for {$1100.00}, attached the payment coupon and mailed it the next day. I did not want to risk another XXXX cheque. The payment has posted so now I am carrying a positive balance. The agent was very helpful and friendly and was kind enough to remove the late fees. 

Despite my on time payments to Comenity, the bank has sent a 30 days past due notice to a Credit Bureau. My sterling credit, where I have never, never in XXXX years had a late payment, is now tainted. 

I paid on time and Comenity rejected the payments. See attachments. 

I want the past due note on my credit removed and corrected, immediately. 

I greatly appreciate your help with this unfortunate situation. 

Sincerely, XXXX Two Attachments, XXXX Statement Pages
Consumer complaint received 2021-12-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2021 a collection account has been wrongfully placed on my credit report. Currently, XXXX XXXX XXXX collection is reporting to my credit report on Experian with a balance of {$2300.00}. XXXX XXXX XXXX is currently violating my rights as a consumer. I was not provided a violation of debt letter. And according to Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ), and 809 ( 15 USC 1692f ), Validation of debts includes ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such. 

I contacted experian and they stated that there was nothing that I could do.
Consumer complaint received 2023-11-29
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: Southwest Business Corporation (AL)

Since XXXX of XXXX  SWBC Mortgage was hitting me with late charges because they stopped taking XXXX XXXX  on line e payments from my account. I called there customer service and they did not offer any help at all only choosing to say it was my responsibility. They eventually waived XXXX and XX/XX/XXXXXXXX  late payments because they eventually received the paper bank checks XXXX XXXX  sent out but in turn hit me with a XXXX late payment after XXXX XXXX  put a stop payment and I in turn made back to back mortgage payments to bring the account u to date. 
I started my first payment in XXXX of XXXX  and had no late payments because Regions bank always made my e payments for me. SWBC stopped taking the on line payments and did not make me aware of the issue. Now they referred my account to the credit bureaus to hurt my credit rating.
Consumer complaint received 2023-11-29
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc. (OR)

On XXXX my card was compromised and used to make a {$48.00} XXXX XXXX transaction that I didnt authorize or have any knowledge of. I contacted ADP and had my card blocked as well as let them know this was not me as I have NEVER sent XXXX XXXX  to ANYONE EVER! They advised me to submit a statement attesting that I did not make thecharge ( see attached ). Also, they advised me they had to investigate and that it could take up to 45 days. I kept calling and checking the status and they kept telling me they were still investigating. I just received notification that they are not going to reimburse me and that I MADE THE CHARGES. I am livid and outraged. I dont know what kind of investigation they did ( or didnt do ) but they are 1000 % wrong. I WANT MY MONEY! I also reached out to XXXX who said they had NO transactions in my name for {$48.00} and said I needed to reach back out to my bank? How did ADP come to the conclusion that it was me when XXXX  verified I did not do this transaction? I want them to make me whole and provide me with the evidence of their sloppy so called investigation.
Consumer complaint received 2023-11-29
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have disputes from the same hotel for the same amount. I disputed both transactions, but Capital One says that my XX/XX/ claim was filed too late because I only have 180 days. I will not receive a refund. I also received a letter that says Information we discovered leads us to believe you or another account user benefitted from the transactions. I have never been to XXXX XXXX XXXX! This is an undisputable fact! Im not sure what to do. The claim on XX/XX/ is still being investigated, but I have no confidence this will be resolved the right way at this point. If the investigation is done properly, they will see that the latest transaction is fraud too. 

Charges in question : XX/XX/ and XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Florida {$640.00}, 2 separate charges
Consumer complaint received 2024-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SD)

Originally applied for the new repaye/save plan on XX/XX/XXXX. Had not heard back and called customer service in XXXX and received the first repayment bill after the payment pause. They placed me on a forbearance until XX/XX/XXXX noting it has not been processed due to large volumes and repayment was starting. I then received a bill for XXXX and application still had not been processed so called again on XX/XX/XXXX. Was told the application was " stuck '' and not processed again and was then placed on another administrative forbearance and given an estimated payment on plan to likely be around {$150.00} per month. I sent a complaint here on XX/XX/XXXX and the only thing I received from Mohela was a letter with my loan information on it. No other info than what is readily available online. XX/XX/XXXX received a bill and application is still not processed. Called again. They said the application is holding bc it says paid ahead however I am getting bills for different amounts due during this time. They can not answer if the payments I have been sending will count towards loan forgiveness under the administrative forbearance either. They say each time a payment is going in that it keeps getting pushed further back. The can not remove the pay ahead because of the Department of Education rules according to them so the application can't be processed. The paid ahead is until XXXX of XXXX however I keep getting bills of different amounts due each month which will make the account late. Make it make sense. 

I have been having to call every 3 months trying to get on the repaye/save plan since the payment paused ended. My application is not getting processed and then I have to call and sit on hold for an hour for a different person to say it's not processed and get placed on a forbearance to " process the application. '' It's been 6 months.
Consumer complaint received 2023-07-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-08-29
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. (NC)

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-18
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: AMERICAN EXPRESS COMPANY (NY)

XXXX  has been non-compliant with removing the unverified account AMERICAN EXPRESS Date opened XX/XX/2006 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that AMERICAN EXPRESS was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Consumer reporting agency has committed a form of identity theft. They receive not ANY written instructions/consent from me to report. They consumer reporting agencies have also not provided me with any proof they receive written INSTRUCTIONS from me.
Consumer complaint received 2017-04-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: KEYCORP (CO)

Having excellent credit, I took out a Line of Credit simple interest acct with Key Bank. I paid it off. I took out another one XX/XX/2016 and their accounting is woefully inept - and now I think is purposeful mishandling to enable them to charge " late charges ''. On the attached statement from them, you will note that, though I had an auto-pay each month via my credit union, they would show receipt of a payment and then " reverse charges ''. For no reason. I personally met with 2 different bank managers to try to fix THEIR accounting errors. They are woefully inept, slow to get back to me, completely unprofessional. In XX/XX/XXXX, the 2nd branch manager visit appeared to have fixed Key Bank 's problem. In a few months, the whole unprofessional and incorrect banking game began again. I receive daily harassment phone calls from Key Bank as they assert I owe them money. You will note that I went to my credit union to absolutely ascertain that each amount had been paid to Key Bank. They HAVE my money but CLAIM they do n't. I now believe this is a ruse to charge late fees. Because I was demanding the repair of their inept banking practices, they punished me by " freezing '' my account ( unable to draw money from it ). I had my legal firm send a letter demanding repair of their inept practices - and to apologize to me. They have ignored my legal letter. I have attached various statements, proof of 1-1 visits to Key Bank, my legal letter, etc. This bank is inept. They will not fix this mythical problem they 've made up. If they hurt my excellent credit, they will regret it as there are no limits to how I will seek retribution. I need them to fix how they have some type of scheme going on to charge late fees. My monthly fee is {$60.00} and yet their statement ( which I downloaded from online ) reflects odd amounts, reversals - it is completely out of control. They are unethical, inept, corrupt. How many more people are suffering this? I want them to pay me a restitution for all this XXXX, for my visits to their bank, for their ignoring my legal letter, for the constant incorrect unethical harassing phone calls. This is the worst bank in the history of the world. Please find attached numerous documents. I hope so very much that you can help me. They are out of control.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On XX/XX/2023, I deposited a check into my US Bank business checking account in the sum of {$350000.00}. I did this in person to make sure I would get the appropriate check hold information. After I was told there would be NO hold on the check, I confirmed that information with the teller before I left, just to make sure. The following day, I confirmed online that the funds had cleared and were available in my business account. As a result, I made online payments via my business credit card websites. I also wrote myself a check in the amount of {$150000.00}. Because this was a large amount, my husband drove to the bank and deposited it in person into our personal checking account. When he specifically asked about a hold, he was told there was NO hold. When the funds were available in our personal account the following day, I wrote ( and mailed ) checks to the IRS, the XXXX, and our roofer for our building in XXXX XXXX ; I also made online payments via credit card websites, XXXX XXXX XXXX ( property taxes ), etc. However, later that day, I received notices that our accounts had significant negative balances. When I checked our accounts online, the funds that had already been made available via the {$350000.00} business deposit and the {$150000.00} personal deposit had actually been DEDUCTED from our accounts. When I called US Bank, I was told that they had placed a 10-day hold on the {$350000.00} check sometime AFTER the funds had been made available in our accounts. Because of this, we have had NO access to ANY money and payments are bouncing.
Consumer complaint received 2018-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently used my credit card to buy some Christmas gifts, when I looked at my credit score on XXXX XXXX I saw that my score had dropped significantly from GOOD to FAIR. My complaint is ... why should my score go down because you use some of the available credit you have? My utilization went from 1 % to 15 % of available credit. This practice of Credit Reporting companies is unfair and fraudulent, they drop your score and have not waited to see if you make your payments on time or even if you make the minimum or greater payment. What they are doing penalizes you for using your available credit WHICH is then used as a reason for lenders to charge you high interest rates. This practice is more of a collusion between Credit Reporting companies and Lenders. It really is as though you take one step forward and end up two steps backwards. It literally is putting the cart before the horse. 
I have worked very diligently to get a high credit score in order to get the advantages of it. Instead of helping consumers they are suppressing consumers and working with the Lenders to keep the you continually paying higher interest rates. 
I look forward to hearing from you, XXXX XXXX
Consumer complaint received 2023-11-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC (WA)

I am not able to move my money from the XXXX XXXX XXXX account I opened with them XXXX. Whether I try to move the funds from the savings to the checking, or do an external transfer to my checking, there are inevitable problems. Over the weekend I was not able to move the money from the savings to the checking, so on Monday I initiated an external transfer that I was told would be delivered/transferred by XX/XX/XXXX ( tomorrow ). Now today I get an email stating that the external transfer capability has been suspended, despite the fact that I submitted all the verification questions they required.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOBILE ACCEPTANCE CORPORATION (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt 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 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC (CA)

since XXXX since my credit protection benefits ended I've asked on a recorded call to have XXXX forms mailed to me house ( intially i asked for unemployment and changed to XXXX ) not only are they still mailing employment forms instead of XXXX they are mailing it to my XXXX XXXX XXXX of my house after requesting it be mailed to my house 5x!!!! all late fers needs to be waived and courtesy payments needs to be paid for the duration i didn't receive proper documentation asked for. and reported to bearus ACCURATELY
Consumer complaint received 2023-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (NV)

We were not informed of the XX/XX/2023 data breach, the only reason I know about it is because we XXXX to find answers as to why we can not access our loan. 

We need to pay, but we can't get a hold of anyone. Also, we have the right to know if our information was compromised.