davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
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. (TX)

Previously I submitted disputes for XXXX XXXX Account number XXXX, along with copies of court orders completely nullifying this debt, a full satisfaction, release of liability fully releasing me of obligation, and exonerating. Yet despite this debt being completely nullified per court order, it is still being reported negatively, and XXXX XXXX and XXXX are in violation of said court order. 
Please see copies of previously provided notices and documents.
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (CO)

I am writing to file a formal complaint against TD Retail concerning the unjust closure of my account, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe my rights as a consumer have been violated, and I request your assistance in resolving this matter. 

On [ date ], I discovered that TD Retail had closed my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) without any prior notification or explanation. To make matters worse, it has come to my attention that a Red Card by Target account has been left on my credit profile, further highlighting the discrepancies and potential fraudulent activities by TD Retail. 

I hereby request the following actions be taken within 10 days : Reopen XXXX XXXX XXXX XXXX XXXX XXXX XXXX  immediately. 
Provide a formal written apology for the unjust closure of my account and the resulting inconvenience. 

Rectify the misrepresentation on my credit profile by removing any negative impact caused by the closure of XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Additionally, I am seeking {$5000.00} in damages for every day the Red Card account remains closed, as it constitutes further financial harm and inconvenience. 

I believe the actions of TD Retail are not only unethical but also damaging to my financial well-being. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to ensure consumer rights are protected. 

Please find attached any relevant documentation supporting my complaint, including account statements and credit reports. 

Thank you for your prompt attention to this matter, and I look forward to a swift resolution.
Consumer complaint received 2024-01-04
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: TRUIST FINANCIAL CORPORATION (DC)

I had fraud charges on my card XX/XX/XXXX two transaction ( 1 ) XXXX XXXX {$1200.00} ( 2 ) XXXX XXXX {$66.00}, This dispute was finalized in my favor, however Truist never applied the credits for the transactions. In fact, on XX/XX/XXXX they applied two sets of above disputed charges to my account balance resulting in a total of {$3800.00}. On that same day XX/XX/XXXX, Truist applied credits in the amount of {$2500.00} leaving me with balance of {$1200.00}. 

Truist has been unhelpful in resolving this issue and will not credit my account for the remaining {$1200.00}. I've attached my transaction history showing the above described duplicate charges and credits along with the letters stating that the dispute was resolved in my favor.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LOBEL FINANCIAL CORPORATION (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-05-14
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I have 14 {$25.00} American Express gift cards I have got from work as rewards at different points over a year or 2. I have been unable to use them anywhere, including XXXX. The amount is too small and I can't use multiple cards at once. I want to combine them so I can use them to make a larger purchase but they do not allow that. So I have {$350.00} worth of gift cards that are worthless.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I called at XXXX central time to Capital One customer XXXX spoke to representative in regards to my acct ending in XXXX. The account was closed months ago but I was still making monthly payments to pay off the debt. I made the last full payment of the total amount due of {$750.00}. Due date XX/XX/2024 payment was posted XX/XX/2024 and I still received a XXXX statement for {$10.00}. When I first got this Capital One card my interest rate was 15.9 %. I have a good credit score over 700 and I called multiple times in regards to lowering my interest with no luck. It went up to 28.15 % and I pay my bill on time and pay more than minimum amount sometimes paying balance in full. With no luck of getting the interest rate to drop I called and closed the account advising them I would pay my balance off. I spoke to a rep XXXX and he stated he could adjust the {$10.00} interest balance. I asked for a manager, XXXX Id # XXXX came on line and was pretty cold and stated she could adjust the balance because it was residual interest accumulated from balance due. This is so unfair to the consumers. If a consumer pays their balance in full before the due date their should be no residual interest charge. Many of these charges are automatic and can be manually overridden and adjusted. I want this refunded back to me. I know this complaint will not be resolved before XX/XX/XXXX so I will have no choice but to pay the balance to avoid any additional late fees etc.
Consumer complaint received 2024-01-24
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been receiving emails regarding updates on my credit reports that I do not recognize. I did not apply to these credit card companies. I have received a hard inquiry from XXXX XXXX on XXXXXX/XX/year>, XXXX on XX/XX/24 and I received a call from XXXX on XX/XX/24 stating a credit card was applied for in my name. There is also an employer added to my credit report that I do NOT work at XXXX XXXX. I have called XXXX XXXX to dispute this. I have called XXXX to dispute this- they advised it would be changed to a soft inquiry. I also contacted XXXX XXXX to dispute this as well.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am urgently appealing to you to promptly remove the unauthorized ACCOUNTS from my credit report, given that I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error swiftly.
Consumer complaint received 2024-05-29
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: Experian Information Solutions Inc. (NV)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the Fair Credit Reporting Act, This creditor has violated my rights under code 15 USC 1681 section 602 States I have the right to privacy 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 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

In XX/XX/23, I began to notice a Capital One credit card showing up on my credit report. The balance grew to about {$1800.00} by the end of XXXX. This is when I initially called Capital One where I was instructed to mail in the complaint and information for a dispute. I never received any confirmation that they received anything. I called again and was told that there is no other way to file the dispute.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) 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 2024-06-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc (IL)

On XX/XX/XXXX I filed a complaint here XXXX stating this was not my debt on XX/XX/XXXX H & R accounts XXXX XXXX Direct of operations responded stating this was my debt on XX/XX/XXXX XXXX XXXX  and myself had a verbal conversation regarding debt validation of the these XXXX accounts. He stated to give him 2weeks and he would send me the validation.. I didnt receive any information from him regarding this debt. On XX/XX/XXXX H & R Accounts attached another debt to my credit profile without validation of first debt on my credit profile I sent a certified letter to XXXX & XXXX accounts for debt validation of this account needing response in 15 day XXXX XXXX  never responded to my request. I call on XX/XX/XXXX requesting to speak with XXXX XXXX I was told he would return my call he never did so on XX/XX/XXXX @ XXXX I call again this time I had a verbal conversation with XXXX XXXX XXXX to apologize for not responding to my validation letter he received, he stated to me that he forgot to get to it ( violation ) on his part he went on to state that being that it was the end of the month he would contact all 3 credit bureaus to have these accounts immediately deleted these accounts are still present on my credit report this inaccurate information has cause me tremendous hardship and stopping me from obtaining a home car and employment
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MA)

This was a fraudulent account someone accessed my social security information and applied for this account. I received a denial letter from Chase and knew immediately I did not apply for this account. I called them and told them in XX/XX/2023. I was told it would be marked as fraud. I ran my credit report XX/XX/2023 and this is still showing. I spent another 35 minutes on the phone with Chase reporting this and was told again it would be closed and marked as fraud. It still has not happened.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MO)

I transferred my student loan from NelNet to XXXX. Nelnet is a XXXX balance. XXXX now has the loan. I am showing the full balance from NelNet on my credit report. NelNet is saying that their credit reporting is valid and accurate in a letter that was sent to me and its not. I filed a complaint with Nelnet, all three credit bureaus, and Department of Education.
Consumer complaint received 2024-01-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (CA)

From XX/XX/XXXX to about XX/XX/XXXX, I was a victim of identity theft where an unknown person was using my name and personal information to open multiple bank accounts XXXX XXXX XXXX XXXX and XXXX ), as well as lease an apartments ( XXXX XXXX XXXX ) with my identity. The total amount was {$5700.00} dollars. I have alerted banks creditors and leasing agents to try and help resolve this issue. To my knowledge the thief opened up a bank accounts in XXXX XXXX and leased apartments in XXXX XXXX Nevada.
Consumer complaint received 2024-06-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (MI)

Ally charged we for excess wear and tear. However ally could not provide documentation they replace the tires before the sale. The charges are not consistent with ally documented charges. I would like a itemize document or Receipt showing what was replaced or fixed
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (MI)

Subject : Urgent Demand for Investigation and Resolution of Fraudulent Accounts and Inaccurate Credit Reporting To Whom It May Concern, I am writing to you as a victim of identity theft and a distressed consumer who has encountered significant barriers due to the negligence and noncompliance of your organization with federal consumer protection laws. Despite my diligent efforts and the clear provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B, the fraudulent accounts opened in my name have not been addressed appropriately, causing substantial harm, including the inability to secure housing for my XXXX  daughter and me. 
As previously communicated in my letters sent to your company dated XX/XX/2022, accompanied by a comprehensive identity theft report, a detailed list of the fraudulent accounts, and a signed affidavit, these accounts were opened without my authorization. The documentation provided should have sufficed to initiate an immediate investigation and removal of these erroneous entries from my credit reports as mandated by the FCRA. 
However, it has been nearly a year since my initial report, and the lack of action from your side is not only disappointing but also in direct violation of consumer protection statutes. The persistent inaccuracy in my credit reports has unjustly tarnished my financial reputation, causing undue XXXX, barriers to essential services such as housing, and jeopardizing the well-being of my family
Consumer complaint received 2024-05-29
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. (FL)

I did not authorize the companies XXXX nor XXXX XXXX XXXX XXXX to furnish anything to my credit report. Under FCRA 15 U.S.C 1681 Section 604a Section 2 - 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. 

I need all accounts related to the companies stated above to be removed from my credit report immediately.
Consumer complaint received 2018-02-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was put in checking system in XXXX which I was not told buy bank of America I try to open a account on XX/XX/17 thay said I was in the system for overdraft my account I was advise that no reason to put me in the system. 
XXXX
Consumer complaint received 2024-01-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

I had a job working for XXXX, my first payment was due XX/XX/2023 ; XXXX XXXX XXXX XXXX decided to use the fbi XXXX system to steal my identity and use spam calls, fake emails then compromise my mortgage CARDINAL FINANCIAL. MY GRANDMOTHER XXXX XXXX, XXXX XXXX AND OTHERS ARE WITNESSES TO XXXX XXXX sheriffs office hennous crimes towards me. On XX/XX/2023 I got a notice on my home stating it was " vacant. '' XXXX XXXX XXXXXXXX instructed his staff to commit the most treacherous acts against me someone whom he continuously violates civil rights over and over. This man has caused me to lose income, sleep, peace and solitude. On top of identity theft, he has also vandalized the home. XXXX XXXX XXXX on both social media platform for proof from XXXX XXXX office, office off the XXXX XXXX sheriff, located in lovely XXXX XXXX Florida.
Consumer complaint received 2024-05-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (CT)

Thousands of students were scammed by Sallie MaeXXXX into taking out predatory private loans to attend for profit online schools such as the one I attended, ( your School Here ). 
As a matter of fact, XXXX XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by XXXX XXXX XXXX, the Biden administration has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans in the amount of ( Your amount here ) were discharged and my credit repaired. 
I am aware that XXXXSallie Mae was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie MaeXXXX were a `` preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 
These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for XXXXSallie Mae , but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. 
After the AG settlement, didn't XXXX also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? 
Didn't XXXX have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't XXXX been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which XXXX is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. 
This application is a sham. 
Why do we need to prove anything? 
XXXX knows who we are. 
Under the FTC " Holder Rule '' XXXX is liable for giving predatory loans in connection with online for-profit schools. 
Time is running out for XXXX to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 
XXXX XXXX XXXX has sent a letter to XXXX 's CEO asking to discharge these loans NOW! It's time XXXX do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 

Link to XXXX XXXX Letter 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 2024-01-22
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX has run soft credit pulls on my credit without my permission and have allowed other soft pulls that I did not authorize. 

XXXX has XXXX credit matches for credit promotion on my report. 
Capital One XXXX. 
Capital One XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I didnt authorize Bank of America to run my credit I want the hard inquiry removed because the account is closed and not in my collections when I check my credit. This was done on XX/XX/23.