davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: VALLEY NATIONAL BANCORP (NY)

I applied for Valley National Bank XXXX XXXX Account on Monday XX/XX/XXXX. I called into customer service ( XXXX ) XXXX on Saturday, XX/XX/XXXX to confirm that as an existing customer with an existing account that I would be eligible for this new account promotion where I would receive {$200.00} for opening a new Premier Checking Account and setting up direct deposit. The customer service representative informed that I was indeed eligible because there were no terms that required me to be a new customer. Since I was having problems submitting the application, I called customer service to help me with the application on Monday XX/XX/XXXX. After a long hold, in which I had successfully submitted the XXXX XXXX Account application online, they informed me that I was not eligible for the account because it was only for mortgage and new checking customers only. However, this was not mentioned on the page promoting this account or in their terms and conditions. They went to investigate this and called me back 10 minutes later. The customer service directed me to another page that conveniently had this language that the account was " available to mortgage and new checking customers only. '' This two different pages did not even link to each other. I attached a copy of the terms and conditions that did not mention that I had to be a new customer to receive the bonus ( under XXXX ) and the page I was sent to after calling them that had their new customer requirement ( under XXXX ) both with today 's timestamp so they can not claim it had been there all along.
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (VA)

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 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 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 writing 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 items 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 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: MOHELA (MD)

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ) a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I've been attempting to close my Bank of America account since XX/XX/XXXX. Despite reaching out to the automated service XXXX times ( on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), each instance was met with claims of system issues hindering the closure process. The company 's proposed solution was for me to visit a local branch. However, residing outside the U.S. makes this suggestion logistically unfeasible. In the meantime, monthly account maintenance fees continue to be charged, exacerbating the frustration of this ongoing situation.
Consumer complaint received 2024-03-14
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. (OK)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Indie Technology DBA Found (CA)

On XX/XX/2023 my lawyer did a money transfer for a settlement that I won from an XXXX XXXX XXXX  case and they had it transferred to my found account and found froze my account because they said of initial activity even though I've had a chance for my lawyer before they still chose to freeze my account I've since then have provided my ID front and back and any other verification that they have asked for and they still have not and froze my account I need my funds as soon as possible
Consumer complaint received 2023-10-24
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC (CA)

I closed my XXXX XXXX account on XX/XX/XXXX  after my XXXX contract expired and I moved to XXXX for better pricing and plans. XXXX sent a bill for the next billing cycle despite me closing my account. 

I disputed this several times with XXXX and reported XXXX to the XXXX, I have also joined class action lawsuits against XXXX as this has happened to many people over the years. I have not seen relief from either the XXXX nor the class action. 

XXXX maintained I owed them for the subsequent billing cycle and put negative marks on my credit for 7 years. Now that 7 years have passed, they sold the account to Jefferson Capital Systems LLC.

Jefferson Capital Systems LLC is trying to collect XXXX 's debt that is 1 ) incorrect and 2 ) past 7 years old. They email and/or call me daily. I have asked them to stop contacting me via email.

Per the FCRA, " consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ''
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

last month I opened a Capital One Master Card at that time I enrolled in auto pay. I accidently entered my inocorrect checking account number and the payment was returned.after speaking to them 3 times and trying to make 3 payments ( in all conversations they told me that the matter was cleared up ) .. 
Today again I called and asked why they are not taking my payments, finally they told me that the checking account I entered was wrong.. I made a for XXXX.. they said my account was going to remain frozen until I verify the wrong account I mistakenly entered in autopay.. since I do n't know the number I I cant.. they have my proper checking account number. but will not take my card off being frozen. I said I would pay it off and close the account. they said I ca can pay it off but the account would remain open forever and I can never use it be because I am unable to verify the checking account number that I initially entered incorrectly.. but they will continue to charge me an annual fee for the card.. so they wont take it off the frozen status and they wont close the card. 
they say they recorded all of my phone contacts with them so I asked them for transcripts of the conversations proving that I tried to pay 3 times and 3 times they told me that the problem was reconciled.. today I spent many hours on the\ phone with them talked to three people and they said were putting me on hold but they hung up ... they kept trying to make me say that my acts were intentional and that I tried to fraud them ... they were pushing me to use those words.. I need this resolved so it dosent ruin my credit and I want copies of the transcripts of the conversations.. I want to sue them or get a lawyer or something I admit that I mistyped my checking account number in autopay completely by accident.. how can I resolve this and sue them. how could they refuse to close my account, I cant ever use it, I have to always pay annual fees .... 
unless I verify an account number that I mistyped and do n't know what the number is ... I want the transcripts to show that they told me it was resolved 3 time 3 times and to show how they tried to make me use words to say that I frauded them intentionally.. 
PLEASE HELP ME
Consumer complaint received 2020-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I've been consistent with paying my bills on time. I'm saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mines. These items need to be deleted from my credit report.
Consumer complaint received 2018-05-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (TX)

My loan was sold from XXXX XXXX  to M & T Mortgage I was told it would be the same loan.Then Iam trying to make a payment before XX/XX/XXXX on XX/XX/XXXX and they will not accept it saying the send a demand letter and now have to pay the full amount by end of month.
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BBVA FINANCIAL CORPORATION (TX)

I have accounts that was not reported to the credit bureau that would make my credit score better. I purchase and paid off three vehicles that was not reported to the bureau and was closed without being reported. I contacted XXXX XXXX/XXXX XXXX XXXX and compass bank to correct their records and update with all 3 credit bureaus. I am submitting supporting documents that there was an error on there part and they still to date has not corrected on the credit reporting side. I need assistance in getting this corrected. Please note the vehicle purchases were high amount well over {$70000.00} totaling the 3 together. Which paying these items off with good standing would have made my credit score much better. I need my credit report to reflect these purchase and pay off in very good standing. Attaching all 3 credit reports as proof they are not included on my credit report.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

Requested Proof that CHASE submitted a claim to the XXXX XXXX XXXX on XX/XX/2023 from XXXX at Chase Bank Claims. TEL : XXXX ext XXXX XXXX XXXX wrote back and said never received the claim. I need DIRECT proof so I can submit to XXXX XXXX  of the proof of claim for the inquiry.
Consumer complaint received 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CO)

Today, XX/XX/XXXX, I called AidAdvantage and requested to know my payment count. I had already consolidated my federal loans a long time ago. I am on the XXXX XXXX XXXX. I have been in repayment since XXXX. I believe that I qualify for forgiveness and that I should at least be given a payment count. Aid Advantage is not able to provide any information on my status, and the agent gave conflicting information. In the meantime, I am being asked to resume paying, with interest accruing, while many of my colleagues who have been in a similar situation ( payment for more than 20 years ) have already received notice of forgiveness.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I have previously disputed the alleged public record with you and still have not deleted from my consumer file. The alleged public record you are reporting concerning me is inaccurate and also unverifiable by you. 

I have contacted the court on record listed on your report, XXXX, AND XXXX XXXX XXXX  They all have advised that they neither provide or verify court records to you all nor any other third party. My consumer file with XXXX does not show any bankruptcy, because there is none. Please see the attached. 

According to Federal Rules of Bankruptcy Procedures- Rule 9037. Privacy Protection For Filings Made with the Court only certain information are listed which may include the last four digits of the social security number, the year of the individuals birth, the last four digits of the financial-account number. 

Therefore, you could have not possibly verified and I request that you delete the alleged public record and send me an updated copy of my consumer credit report. In addition, I was denied credit due to the inaccurate reporting of my credit. Please see attachments.
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (FL)

someone from XXXX XXXX of XXXX opened an account with credit acceptance without my knowledge and made a whole new contract that I did not sign or see. This matter has been settled in court and credit acceptance has been reporting this fraudulent debt since XXXX on my credit report.
Consumer complaint received 2023-06-17
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. (MA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the fair credit reporting act. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15USC 1681 ( 1 ) the credit bureaus don't have no written permission.

According to 15USC 1681 I have a right to privacy.

According to 15USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I started disputing inaccuracies on my credit file with XXXX, Trans Union, and XXXX in XXXX of last year. I have sent them now 3 sets of letters starting XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I still have inaccurate account information, accounts that are not mine, inaccurate inquiries. 

XXXX has only responded to ONE letter, the others continually respond with " more information needed '' or just a new report with the same inaccuracies. This has seriously impacted my credit ability.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00}
Consumer complaint received 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (NY)

I applied for the SAVE repayment plan and submitted my application on XX/XX/XXXX. It was reviewed by Nelnet on XX/XX/XXXX. According to the FSA website, my loan servicer has completed their review of my application. However, when I check Nelnet, it says theyre still reviewing my application. I reached out via phone and email on XX/XX/XXXX. I was kept on hold for too long and couldnt continue waiting. I never received a response to my email. I have tried calling numerous times throughout the month of XXXX to no avail. I am currently on hold as I write this, and have been on hold for 1 hour and 20 minutes so far. 
In the meantime I have accrued even more interest with absolutely zero communication from Nelnet about whats going on and absolutely no help when I seek it.
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: EQUIFAX, INC. (GA)

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 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. 


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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 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. 


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 2023-03-22
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NY)

So, I owe money and I have my phone settings to have callers I dont know go straight to voice mail Everyday I get multiple calls from different numbers. I have not contacted them about it. 
For example, on XXXX XXXX I received three phone calls with two hours. One phone number was XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX The day prior to that day I received these calls XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX Every time Ive picked up theyve been looking for me and they always say theyre a debt collector calling about the debt I owe.