davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: DISCOVER BANK (IN)

The original credito ME is the one thats extending the credit thats creating the debt. 15 USC 1692a ( 4 ) Pursuant to 12 USC 83 banks can't actually loan money ( their own stock ) Pursuant to 12 USC 1431 the role of the bank is not to extend credit, nor loans! Credit is designed to remove obligations and a natural person. is supposed to live free! This is Law.
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MN)

I filed a credit card dispute on XX/XX/2023. Citi then sent me a letter dated XX/XX/2023 stating that my credit limit was lowered by {$6900.00}. The lowering of my credit limit is a direct result of me filing a credit card dispute. The letter states " we frequently review cardmember accounts... based upon your current credit limit usage, we've decided to lower your credit limit ... ''. I have not changed my credit habits with this card in years. My credit limit has not changed in years. I have not had any contact with Citi or paid my bill late in years. I then file a credit card dispute and XXXX business days later Citi takes negative action against my account and lowers my credit limit by {$6900.00}. It is clear that my credit limit was not lowered because of some regular review of cardmember accounts but because I filed a credit card dispute. This is an unfair practice and directly affects my credit report.
Consumer complaint received 2023-12-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Resurgence Legal Group, PC (IL)

I have been garnished by Resurgence Law Group due to an unpaid student loan debt from 2009. For years, I struggled with unemployment which caused me to not be able to pay the debt. Now, that I have gainful employment they have been changing the " finish line '' for my payment. Every time I call, they keep adding more than just interest to the payments. 

They stopped wage garnishments for XX/XX/XXXX and XXXX and then resumed the garnishments on XX/XX/XXXX.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (WA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-05-03
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (MN)

On XX/XX/year> I received a text message from number XXXX saying that Credence Resource Management LLC was attempting to collect on a debt in the amount of {$1400.00} and that I could settle for {$950.00} if i paid by XX/XX/year>. I printed a debt verification, filled out and mailed it on XX/XX/year> saying that I am not denying or agreeing to the debt but I would like verification. No one has contacted me even though I put all of my contact information.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (FL)

I made a {$900.00} payment toward my balance on XX/XX/XXXX that cleared and came off my balance, then when I made another {$350.00} payment the same day through the same bank it did not clear my balance and was informed it would be available by XX/XX/XXXX. I called Apple to find out what happened and all they would do is give me a list of reasons for the hold, which none pertained to my account, and told me there was nothing I could do. One specialist informed me that because I had canceled a payment in the beginning of the month that all my payments would be on hold which was not true as I made 2 payments that completed after that. The money has been removed from my bank and I can not use it on my Apple card and I need it to pay my rent. Apple suggested I call my bank and dispute the charges and pay a fee when this is not on me or my bank. I need the hold lifted from my payment or the payment reversed so I can have access to the funds
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (GA)

XXXX XXXX, and XX/XX/XXXX. I disputed errors within my credit report showing alleged debt. Ive sent letters showing open accounts on collections, past due balances on collection, debt validation/ verification letters of alleged debt with break down of each item. I only received a computer generated response that it was verified and updated but no proof of my wet signature, verification of debt, name and number of person spoke with to prove alleged debt. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681,15 USC 1681 a ( 3 ), 15 USC 1692g Verification of debt, 15 USC 1692 b-c Communication in connection to debt collection, and 15 USC 1692j XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX who who earned XXXX reward miles with a Capital One credit card. This was equivalent to a dollar value of {$470.00} for travel purchases. Capital one advertises on its webpage that the miles never expire as long as you do not Close your account and keep it in good standing. Capital One does not indicate what it means by good standing. I live half the year in California and half the year in Vermont. Mail is forwarded between the two states. I just discovered that Capital One closed my account because of lack of activity with the card. I spoke to two members of the customer Solutions team at capital one who said they sent a letter to me in XXXX indicating there was A lack of activity on the account. That letter was sent to California at a time we were in Vermont. We never received the letter. Had we received it we certainly would have made a purchase with the card or redeemed our miles for an airline ticket to keep the account active. Capital one said this was the only Notification that was sent ; there was no other letter, email, or phone call. When I requested that the miles be reinstated, I was told I had no recourse and the miles were permanently forfeited. Both agents said an appeal or escalation was not possible. I would like a replacement of the miles or the equivalent in cash. My account Number was XXXX the expiration date was XX/XX/26 and the security code was XXXX. My name on the card was XXXX XXXX XXXX. Their address : Capital One XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX. Phone : XXXX XXXX.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

USAA Federal Savings Bank, my installment loan servicer, has intentionally supplied inaccurate information to credit agencies for a duration exceeding 50 months. The account fraudulently reported as charged off corresponds to my consumer loan initiated on XX/XX/, with an initial sum of {$6600.00}. USAA FSB reports the charged-off amount as {$4700.00} on an account I never defaulted on. The installment loan servicer not only fraudulently reports the account as charged off but also provides false details pertaining to this assertion. Consistently, USAA FSB provides varying information to XXXX, XXXX, and XXXX. Only through my disputes with XXXX has the information somewhat aligned with the actual series of events involving my vehicle and account. Despite my persistent efforts, FSB maintains an erroneous report to the other credit agencies, stating that I made payments in XX/XX/, whereas the last initiated payment took place around XXXX. The installment loan servicer declines to furnish a payment history, leaving me unable to accurately specify payment dates and amounts. Furthermore, USAA FSB has ignored XXXX XXXX XXXX XXXX XXXX which articulates what a holder should do in the event it repossesses a vehicle thereby forfeiting any rights and remedies to collect a payment. Despite numerous requests for account statements and payment history, USAA FSB has only provided blank records for time periods excluding the months in which I made payments. Despite communicating this matter to XXXX, the account continues to be reported inaccurately. Through their persistent reporting of this account, USAA FSB is in direct violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ). I maintained a timely and early payment record with USAA FSB, commencing payments in XX/XX/. Even according to USAA 's report to the credit agencies, I made a payment of {$1900.00}, which could not have resulted in a default in XXXX, XXXX, or XXXX, considering my scheduled payments were {$160.00} during that period.
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (AR)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Consumer complaint received 2024-01-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was pressured by XXXX XXXX XXXX to trade my car in. The car finance guy wrote over {$5000.00} of warranties into the loan after repeats of me saying no. Capital One Auto Finance knowingly approved a loan for a car that is worth {$19.00} and charged me nearly {$30.00} for a used XXXX  I am suffering from XXXX and I disputed the loan amount over and over. I am owing {$30.00} on a used car and paying {$560.00} a month this is fraud! 
I served this country in the XXXX XXXX, XXXX XXXX XXXX XXXX saw the perfect victim walk in the door and admitted to be in business with Capital One Auto Finsnce. On top oh that I paid {$2000.00} down I paid {$33000.00} on a car that is wrong {$19000.00} I am going to XXXX  over this
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Furnisher of information to credit agencies, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time At this time i would like to continue to
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (CA)

I hope this letter finds you well. I am writing to address a concern regarding the lack of statements for my account with COMENITYCAPITAL/XXXX. I recently became aware that I did not receive statements for a specific period, and after investigating the matter, I discovered that it was due to a very small balance on my account during that time. 

COMENITYCAPITAL/XXXX  XXXX  - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or COMENITYCAPITALXXXX customer service representative . 

I understand the importance of staying informed about my financial transactions and responsibilities. However, it appears that due to the minimal balance in my account, statements were not generated or sent to me during the specified period. 

I would like to request your assistance in providing me with the missing statements for the mentioned period. Understanding the details of my account activity is crucial for me to manage my finances responsibly. If there are any fees associated with the generation or retrieval of these statements, please inform me in advance. 

Additionally, I kindly request that you review your procedures for statement delivery to ensure that customers, regardless of their account balance, receive timely and accurate statements. Clear communication is essential to maintaining a positive banking relationship, and I believe that receiving statements regularly, even with a low balance, is in the best interest of both parties. 

I appreciate your attention to this matter and look forward to resolving this issue promptly. 

Thank you for your prompt assistance in this matter.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

This is in regard to checking account # XXXX. On XX/XX/year>, I went into the branch and closed the account. The account was reopened without my knowledge or permission on XX/XX/year> and fees are continually being charged. I went into my local branch, address XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX after I realized the account had been open ( the same branch I personally closed the account at ), they said there was absolutely nothing they could do and directed me to the XXXX number. The result of this was the fee reversed but the account remained open, against my wishes and new fees continue to be added. I even received a congratulations on my new account packet in the mail, weeks after I disputed this account being opened without my consent! This is fraud committed by Citizens similar to the fraud that XXXX XXXX committed. Fake accounts being opened without peoples consents. This is a very serious crime by a financial institution that MUST be addressed.
Consumer complaint received 2024-01-02
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (GA)

XXXX XXXX serviced by comenity Bank provided me a XXXX percent promotional rate at the time of purchase. However, no one told me what my payments needed to be or when the promotional rate would expire. In the past their online system would provide a minimum payment of what is required Tobe paid in order to avoid intrest fees. This service had been removed and I believe it to be removed to confuse consumers of how to avoid getting the deferred intrest charge. This act by the financial institution is predatory in nature. Contacted the bank and was informed they will only show minimum payment to avoid late fees and not intrest charged. This makes me believe they are also instructing their employees not to provide this information upfront at the time of purchase.
Consumer complaint received 2023-07-10
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. (TX)

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 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 2022-10-27
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/22, I sent a letter for an inaccurate account on my credit report but I feel like I am being ignored and taken advantage of regarding my disputes. Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 

XXXX XXXX XXXX
Consumer complaint received 2024-03-22
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: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CT)

My business Debit card was taken, and it contained a fraudulent unauthorized charge for the amount of {$2900.00}. When I did my monthly statements, this charge was found and I immediately called Citibank to dispute the charge. We did an internal investigation as to how that charge came about, and found that a now former employee was responsible without authorization. Law enforcement was called, and charges were pressed against the employee. 

Citibank XXXX times denied my dispute even after providing the police report from the police department which states that they had the person responsible in custody. Citibank fraud department does not return phone calls, they do not communicate other than to deny via letter. I went to the local branch and spoke to the Branch Manager regarding the same issue, and he also stated that I should both open a new dispute as well as appeal with the same documentation. Each dispute was denied.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX, XXXX, and XXXX alike all have different variations of my name, phone number, and home address reporting and updating consistently. Addresses I have never lived at, my last name spelled wrong, and phone numbers I do not own. 

I have tried to dispute this information online several times and there seems to always be at a peak time where maintenance is being handled. 

I disputed this information by mail in XX/XX/2022 and the incorrect information is now back on my reports.