davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (NM)

I sent a foreign check in the amount of XXXX Euros to my Discover Bank checking account after confirming multiple times in multiple instances that they were able to provide such a service. I was told from the very beginning that the check would take 6-8 weeks upon receipt to clear and deposit. I was also told after I signed up for my checking account that foreign checks were sent to another bank for processing. Didn't seem like a problem at the time so I sent the check to address Discover Bank provided me with and they sent me a letter confirming that they have received on XX/XX/2018. Today is XX/XX/2018, way past the 8th week mark, and I have yet to see a change in my account balance. I've spoken with numerous customer service representatives, including 4 supervisors/tier-2 representatives, who have given me different vague and 'customer-friendly ' versions of " we have no idea where this check went ''. I've been told they have started an investigation and are researching into the issue for the past month and there's still no real status update other than we're investigating into the matter. I have spent an unreasonable amount of time and energy contacting Discover. In addition, it sets a standard of distrust ( whether by incompetency of malice ) that these supervisors set up callback appointments and then receiving no phone call, nor any response, at the times promised. Due to the service I've received from this institution I foresee no restitution or acknowledgment of incompetency and failure on Discover 's part to provide with the service I've agreed to enroll for.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This complaint involves XXXX, Equifax and XXXX. I have attempted many times to correct inaccurate information and each agency refuses to do so without providing me any documentation to justify their position as required. The two most egregious inaccuracies of late involve XXXX XXXX and XXXX  XXXX XXXX reporting to these agencies without noticing me that they are doing so and providing me an opportunity to opt out of reporting as required, nor do the credit agencies provide me with the information sent to them to justify their reporting. Both of the aforementioned accounts listed by XXXX XXXX XXXX XXXX XXXX XXXX are listed as charged off on my credit report. According to the IRS, this would constitute income for me yet I have not received any 1099 's from these banks because in reality, they are outstanding securities that belong to me and are owed to me. Income is not allowed to be reported on any credit reports, so this is a major violation going back at least two years for each bank. That would be {$150000.00} in fines for each bank for reporting those accounts alone, not to mention the pain and suffering I have endured waiting for these banks to follow their own regulations and the laws they must adhere to. I require the CFPB to follow the regulations and codes established by the CFPB to protect consumers, me in this instance, and do the following : Have these inaccuracies corrected on all three credit reports and listed as paid as agreed and paid in full AND send me the fines I am due for their continued violation of my protected consumer rights AND return my securities to me that they have been using and profiting from with interest.
Consumer complaint received 2017-07-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

On  XXXX   XXXX , 2017 I sent this company a letter informing them that I will be sending them a check with a conditional endorsement which laid out the terms of an accord.  XXXX  shows that NELNET received this letter last   XXXX    XXXX , 2017 as shown in the attached copy of my certified mail receipt below and according to   XXXX   mail tracking website as shown in the attached files. I sent them a check dated  XXXX   XXXX , 2017 and they already cashed this check.
Nelnet failed to honor the conditions set forth by the check to delete the negative reporting from my credit report. I have attached a screenshot of my credit report proving that your company broke the accord set forth by the conditional endorsement check you have cashed.
This is a violation of California Civil code.
Consumer complaint received 2024-03-30
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. (NY)

I am writing to dispute the inaccuracies present in my credit report concerning the account held by XXXX XXXX XXXX, Account Number XXXX. According to my recent credit report, there are discrepancies that require immediate attention. 

Upon thorough review of the reported information, I have found that XXXX XXXX XXXX has failed to provide adequate documentation validating the existence of a contractual agreement between us. As per the Fair Credit Reporting Act ( FCRA ), consumers are entitled to verification of any debts reported on their credit file. To date, XXXX XXXX XXXX has not furnished any evidence substantiating their claim. 

Furthermore, the inaccurate reporting by XXXX XXXX XXXX is adversely affecting my creditworthiness and causing undue financial strain. I request that XXXX XXXX XXXX promptly cease reporting this disputed account to all credit reporting agencies until such time that sufficient proof of the alleged debt can be provide. 

I also kindly request your immediate investigation into this matter and investigate the inaccuracies and inconsistencies XXXX XXXX XXXX has been reporting different information to the credit bureaus which is illegal. After the investigation I kindly request the removal of any negative reporting associated with the disputed account from my credit report. Additionally, I expect XXXX XXXX XXXX to provide me with the documentation verifying the validity of the debt in question with the legally mandated timeframe. 

Please consider this letter as a formal dispute under the FCRA, and I anticipate your prompt resolution of this matter.
Consumer complaint received 2024-03-17
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. (FL)

Account # XXXX opened-XX/XX/2022 credit-XXXX  $ I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as Equifax and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801. 

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. Equifax and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect.

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern   XXXX     XXXX   XXXX   XXXX    XXXX , CA  XXXX  Experian   XXXX   XXXX   XXXX    XXXX , TX  XXXX   XXXX    XXXX   XXXX   XXXX    XXXX , GA  XXXX    XXXX   XXXX   SOC SEC #  XXXX  DOB  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  I HAVE BEEN LIVING THERE SINCE  XX/XX/XXXX  Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS :   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL   XXXX   Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my bills with my Name and current address.
SAINRILUS, DIEUMENE SOC SEC #  XXXX  DOB  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX
Consumer complaint received 2023-05-25
Product: Credit card or prepaid 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: DISCOVER BANK (TX)

Around about XX/XX/2023 I applied for a credit line increase of XXXX from Discovery.

Discovery mailed a letter stating not able to approve my request due to : Serious Delinquency - dont have any delinquency accounts
Consumer complaint received 2023-06-03
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. (NM)

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.

The letters are stated with items and issues.

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 XXXX 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 2023-05-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Please reopen the recent Complaint No. XXXX. 

CFPF closed this complaint prior to the time allowed for response to the mortgage holder reply to the complaint. 

The Complaint was closed on XX/XX/2023, the reply from the mortgage holder was dated XX/XX/2023, however, it was not received until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am now requesting an extension to reply. 

Or would CFPB require I open a new complaint. 

Thank you, XXXX XXXX
Consumer complaint received 2023-08-22
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. (CA)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX  XXXX. Please remove these accounts ASAP.
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (AL)

I paid off PayPal credit thru synchrony Bank in XXXX of 2023. I paid thru my bank and spoke to synchrony Bank representative confirming they received the money transfer and closed the account as I requested. Now I am receiving harassing emails and phone calls about a balance due on this account. The account has not been used by me since XXXX I have no idea why this is occurring. I do know I don't owe them one red cent.
Consumer complaint received 2023-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp (FL)

On XX/XX/2023 I filed an online payment with my mortgage company to be processed on XX/XX/2023. On XX/XX/2023 my account was debited for the mortgage amount via ACH. I contacted the mortgage company and they responded that I need to pay online, which I did and then stated I had paid over the phone, which I had not. This concerned me because at this point Im wondering if my account is compromised and maybe someone is stealing from me. They said they would get back to me but it has been over 24 hours and I have not heard back and I have to file a fraud report/wire fraud and alert my bank and this is causing undue hardship and financial stress. This cost me interest in my account as well as taking money before I am paid at work and against the dates I stated online. I am worried I am being stolen from and wondering when this will happen again.
Consumer complaint received 2024-03-17
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. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights. Due to privacy and confidentiality under the law 15 U.S.C 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 ). 

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 ) - States A consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c Section ( a ) ( 5 ) - 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 record of conviction of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 Section ( a ) ( 1 ) - States 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 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

On XX/XX/2024 I mailed off my dispute for a few accounts on my Equifax credit report. The tracking number is : XXXX and Equifax received my dispute on XX/XX/2024. I have yet to receive anything about the results for my dispute reinvestigation.
Consumer complaint received 2023-02-02
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. (FL)

AFTER REVIEWING MY CREDIT REPORT, I NOTICED MANY UNAUTHORIZED INQUIRIES ON MY PROFILE THAT I DID NOT AUTHORIZE!! PLEASE INVESTIGATE AND HAVE SAID INQUIRIES REMOVED. PLEASE...... .*******According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract OF ANY AND all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account ... .....

I request to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below ... ... ....

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below ......

I request that the following inquiries be verified or removed immediately : ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My mom wrote me a check from an account she had been saving for me for college. It was a CD account so when the CD closed it transferred to her account. There was a mix up and the bank closed the account and sent my mom a check. My mom did not know this when she write me the check so it ended up returned. When I found out I tried to call the bank to catch it before anything happened, but by then they had frozen my account. I called a few times to get this resolved and kept getting referred to other departments. Now today  XXXX . XXXX .2017 I went to the branch to see what can be done. They told me the account can not be reopened, however I found out that they 've flagged me as fraud. Bear in mind no one from the bank called me to let me know this is what happened even after several attempts to find out what 's going on. This is not fraud and I can not believe Bank Of America would just close my account and flag it as fraud without finding out what 's going on. I just graduated high school and heading to college, what do I know about fraud? I strongly believe Bank Of America should confirm before destroying people 's history by labelling them as fraud. This will seriously affect me at such a young age and whereas i know they have the right to close the account, they should not be allowed to just use fraud as an excuse. I have paid the balance owed and would like Bank of America to remove that red flag from my history. Thank you.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (MA)

I bought services through a company called XXXX XXXXXXXX XXXX processed the payment in the amount of {$6000.00} on XXXX XXXX. I paid for services that the company did not provide. They had about a week in order to provide the services that they promised. When they did not, I filed an ACH dispute with my bank, TDBANK about the fraud that was committed. TDBANK denied my complaint for fraud. They said if I did file a dispute within 24 hours there was nothing that they could do. That is unacceptable. First, I wouldnt know within 24 hours if I was going to get the services that were provided or not. Second, under the electronic funds transfer act, I have XXXX to file a complaint and I did so within that time. TDBANK refused to acknowledge my rights as a consumer and this i have lost {$6000.00}. I also contacted XXXX They said they could try to get some of the money back but were unsure if they could recover anything. They said my bank is the one the would usually process this and recover the funds