davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
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: Mercedes Benz Financial Services (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (NJ)

Hi, On XX/XX/2021, I called in to close my US Bank XXXX XXXX Credit Card account. I was told by a representative that, that department was busy at the moment, so she could assist. She took some information and claimed that she had put in for it to be closed. In addition I sent in a request via fax with my signature, as double-confirmation that I wish for the account to be closed. As of this morning, the account is still fully open. I have dealt with other similar banks, that choose to utilize manual processes for credit card closure, rather than making the process electronic, and every time the bank has kept the card open despite numerous requests for closure. I do not have confidence that US Bank will close my credit card in a timely manner, and thus am filing a CFPB complaint to force them by law to do so. I do not want this account, and need for them to process the closure immediately.
Consumer complaint received 2023-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (IL)

Bear with me, my name is XXXX XXXX LVNV Funding or Resurgent Capital Services or Resurgent Debt Collection, all one company operating under different alias ' claim that I owe them upwards of at least {$25000.00} and I have never opened an account with them, applied for an account with them, nor did I willingly give them my Name, number, social, email or mailing address, therefore they stole all my identity and are now using it to extort me out of money that they claim I owe them. I'm aware of my rights and I stand on them so as a surety I mailed them a " Cease and Desist '' letter on XXXX XXXX, 2023, they continued to harass me, therefor an invoice and a list of violations they committed were mailed to them.
Consumer complaint received 2024-03-12
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. (AL)

I was recently denied a dispute with XXXX XXXX. This account is part of a class action lawsuit that I am apart of, and I need this account removed immediately. This account has stopped me from getting a mortgage and other credit extensions. And they were in violation of the U.C.C. Code
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

To whom it may concern : I am contesting any information on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standard, data included in my credit report must be documented and validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof.You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.If any of the claims in my credit report are not true, please delete them immediately.
Consumer complaint received 2023-07-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: W&A Intermediate Co., LLC (SC)

This company has a collection that is not mine that is reporting on my credit report. However it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX  This is a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2023-10-06
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: OPORTUN FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

I have unenrolled from multiple overdraft programs multiple times that I never signed up for. Every time I call the bank and am overdrafted I find out that Im signed up for a new one. They dont process any transactions in order and they do this to purposely overdraft customers. Every charge is pending for a different amount of time and they have been purposefully choosing which transactions to process first and it always ends up with me overdrafted even though I should not be able to overdraw my account whatsoever as I have opted out of every overdraft service multiple times.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, I am inquiring about my account with the name of XXXX XXXX. The account number is unknown. 
Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. According to my credit report and what you are reporting the account was open in 2014 ( 10 years ago ). It appears this debt was re-aged, and needs to be deleted immediately. 
My rights dictate my ability to obtain this information.
Consumer complaint received 2022-12-06
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: ALLY FINANCIAL INC. (IL)

on XX/XX/22 I obtained my credit report from XXXX. I noticed that there are XXXX fradualent inquiries on my credit report. I contacted XXXX  to have these fradulent inquiries removed but they have not done so. I am asking that the consumer protection agency office assist me in getting these fradulaent inquiries removed. The fradulent inquiries have resulted in me being denied credit for a new auto loan and a apartment.
Consumer complaint received 2023-10-06
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-12-28
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (IA)

This company wants me to repay a {$300.00} loan for almost {$1000.00}. I have never come across any loan company that would have you repay a loan XXXX of the original amount. This can't be legal
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank is charging customers {$1.00} per month for monthly paper statements to be mailed home. The specific cards that Synchrony Bank is requiring this is for their Care Credit, a medical credit card and XXXX 's, a store credit card. I should not have to pay extra to have a bill sent to me via the mail. This puts the onus on the customer to retrieve and print their own statements at home. It also means that I need to have wifi at home. Consumers also need paper copies of bills and statements to store safely in their home and not have to rely on retrieving digital copies of bills and statements. 

This fee should not be tolerated!
Consumer complaint received 2023-04-20
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. (GA)

I settled a charge off with XXXX, they have failed to update the account as settled, they continue to show the debt on my report. I have requested and have disputed the account with them and they fail to correct it.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Transunion whom mission statement is to ensure accuracy and fair credit reporting while protecting the consumer private financial information from being used improperly and securitized by complying with laws and acts in place of reporting fairness and accuracy, has failed to take all necessary steps to complete a full a complete investigation from debtors. Transunion has reported information in whom was reinserted into file without proper disclosure of information and sharing practices. Transunion has also failed to provide parties of contact during the investigation process. This company is prohibited from using the information against the consumer 15 USC 6802 Obligations with respect to disclosure of personal information. This company has also failed to provide opt out of reporting information15 USC 6802b.
Consumer complaint received 2024-07-10
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: U.S. BANCORP (SC)

On XX/XX/year>, I paid XXXX XXXX XXXX {$490.00} for approved office visit. I applied for XXXX XXXX with my credit card company, US Bank. It was approved. On XXXX, 2024, USBank charged a duplicate debit on my account. The same day, they credited my account for the same amount- {$490.00}. This credit only refunded the duplicate charge by US Bank. They are calling this the XXXX XXXX loan. I called US Bank, talked to a representative and a supervisor. They insist that the credit is the loan- it is clear that the credit only offset the XXXX charge made by US Bank.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

My Citi Hilton honors card was closed in XX/XX/XXXX, as they decided to transfer the business to Amex. Mistakenly, I made one payment to Citi during the transition. The payment was in the amount of {$100.00}. This payment was not applied to my amex card, as I had to pay them the same amount and interest when I was notified my card was past due. Citi send me a letter dated XX/XX/XXXX stating that they have my payment, and a copy of the check, but they don't have an account to apply it to. ( letter has a reference number XXXX. I don't have my old Citi card number ) I've called 3 times. Once I was told to " wait '', once I was told to call Amex ( I did, they told me to call Citi ) and once I was bounced around to multiple people and then the call was disconnected. I also sent an email to Citi consumer complaints. No response. 

Its only XXXX bucks ... which quick honestly I could care less about. Its the principle of the matter, its the time I have spend trying to get it back, and its the thought that someone, some family who has nothing, and needs that XXXX $ to live, couple possibly be out the money and unable to get it back. In fact, I don't care if I get the money ... I just don't want Citi to have it. Donate it to a food bank, and send me proof.
Consumer complaint received 2023-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's le be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will ght back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be conrmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more condent in what is being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards METRO 2+. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences. I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences.I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and veried information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case.
Consumer complaint received 2023-06-23
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: EQUIFAX, INC. (AZ)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I incurred a charge off account with  XXXX , it was turned over to collections to  XXXX .This account is showing on my credit report as being open, it was closed in 2016.This company is adding interest in to this account, to increase the amount on my credit report to further damage my credit score. The beginning balance was approx. {$410.00}, they have increased it to {$590.00}, and added another {$48.00} to it recently.   I have filed a complaint with  XXXX , and nothing has been done.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-06-06
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. (TX)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Regarding : Widespread Mismanagement of Auto Loans, Mortgages, and Deposit Accounts Lawsuit incorrect amount of money taken out of my checking account numerous times, i have since closed my checking account with this bank as i was always highly dissatisfied. i also currently have a car loan with this bank as well.
Consumer complaint received 2024-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

On XX/XX/XXXX I requested a payoff on my Student Loans being serviced by Mohela. I used the online ACH tool to submit the given amount. The payment took so long to post that I ended up owing XXXX cents in accumulated interest. So I did a second ACH Online Payoff. I have the confirmation emails for both. 
I received a letter indicating that the loan was paid off. It was, I thought my last loan. Although, at this point three of my loans had negative balances due to being credited back interest I had paid. And one of my XXXX XXXX got a random XXXX credit at some point and so was sitting at approximately XXXX. 

Now imagine my surprise when on XX/XX/XXXX of this year, I get a letter telling me about my new repayment plan. So, I log back in to my account and find that my XXXX is now at approximately XXXX XXXX  and I have balances once again on XXXX of my loans. How is this even allowed? 

I reviewed my payment history and the amount can be tied back to payments I made in XXXX of XXXX, which until recently were applied in XXXX but, now are listed as having been applied on XX/XX/XXXX to my XXXX ( the one that was already negative XXXX ). This resulted in loans I had paid off now having balances again. One of which I still have the letter informing me it was paid off.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

XXXX XXXX NA XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXX {$390.00} XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX {$1700.00}