davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-14
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: SYNCHRONY FINANCIAL (MD)

XXXX I received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. 
Account Name + Account Number Late payment reported on ( Month/Year ). Please update the account as Paid/Current My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. 
By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. Please remove the late payments that were posted without my consent to opt out of having them report to a third party.

Please send an updated copy of my credit report reflecting the requested changes. 
Thank you for your help with this matter, XXXX XXXX XXXX
Consumer complaint received 2023-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XX/XX/22 someone called from the phone number XXXX claiming to be XXXX XXXX. The said someone my be fraudulently using my phone number to set up a new Zelle account at XXXX XXXX. I said that it was not me so they gave me a case number XXXX and then asked me to enter it into my Zelle app along with the name XXXX. I then realized that this case number was a phone number and that this was a scam trying to get me to enter this info and then make an actual transfer to them. So I hung up and later verified with Zelle that this is a common scam.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (FL)

I was with citi bank they closed my account but I had XXXX XXXX dollar I tried reaching out to them I called them I went to the branch I still havent received a check in the mail or anything I jus need help getting my money out before I become homeless next month
Consumer complaint received 2023-06-29
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. (CA)

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me included in bankruptcy. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
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. (NJ)

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX RE : Collection Removal Request Dear TransUnion Representative, I am writing to formally dispute and demand the removal of a collection from my consumer report which has been reported as public information, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I have recently reviewed my credit report and identified the following collection account : * Creditor : XXXX XXXX LL * Account Number : XXXX * Reported Balance : XXXX * Date of First Delinquency : XX/XX/XXXX The FDCPA states that non-public personal information can not be disclosed without the consumer 's consent. The information listed above is private and should not have been included in my credit report as public information. Therefore, reporting this collection is a direct violation of the FDCPA, and it should be removed immediately. 

I am hereby requesting that TransUnion : 1. Remove the aforementioned collection account from my credit report. 
2. Conduct a thorough investigation of the reporting of this collection. 
XXXX. Provide written confirmation of the removal of this collection. 

Please be aware of the legal consequences that may arise from not fulfilling this request. Failure to comply with the terms of the FDCPA is subject to monetary damages under 15 U.S.C. 1692k. 

I expect a prompt resolution for this serious matter. Please remove this collection from my consumer report and send me written confirmation within 30 days. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-01-05
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelnet, Inc. (NE)

I was an ineligible student at an ineligible school that is not accredited in the United States nor on the federal school list. The school is also not eligible under title IV to receive financial aid. I filed for bankruptcy in XXXX of 2016 and the company continued to collect the debt regardless of the stay. The judge approved the bankruptcy. The company still attempts to collect. I have referred them to my attorney. The company is not exempt from bankruptcy law as the debt was made through a for profit company and must abide by the court 's ruling.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (VA)

I received a notification from XXXX that an account at JP Morgan Chase Bank was being opened using my information. I never opened an account at the bank, so I called and reported it as fraud. The company followed up and said that no accounts were opened with my identity. The company, however, confirmed that my XXXX matches a business account holders XXXX, and both are valid. When I called the number on letter I received, the representative, XXXX, could not answer my question. I am worried that the company will confuse the XXXX with my Social Security number and can possibly make me responsible for fees/ charges that don't belong to me.
Consumer complaint received 2023-04-30
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. (NC)

The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the Creditor Remarks state that the card was lost or stolen. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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 an account without my written instructions.
Consumer complaint received 2020-01-05
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Student Loan Finance Corporation (NE)

I was am ineligible student at an ineligible school that is not accredited in the United States nor on the federal school list. The school is also not eligible under title IV to receive financial aid. I filed for bankruptcy in XXXX of 2016 and the company continued to collect the debt regardless of the stay. The judge approved the bankruptcy. The company still attempts to collect. I have referred them to my attorney. The company is not exempt from bankruptcy law and must abide by the court 's ruling.
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

on XX/XX/2019 i put in a dispute with chex systems they did not investigate by the law of the fair credit reporting act and left the inaccurate and incomplete information on my consumer report this issue need to be address.
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccuate or incomplete or can not be verifred, the consumer reporting agency shall** ( i ) proptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have sent several requests for Experian and XXXX to delete the inaccurate information in my credit file regarding XXXX XXXX XXXX account number XXXX. The Court approved a settlement on XX/XX/XXXX, which I am bound by the final judgment and the release of claims in the agreement : 1 ) Cease all efforts to collect deficiency balances from the class members 2 ) Update account records to reflect a XXXX balance on all accounts on which assessed a deficiency balance 3 )  Instruct credit rating agencies to delete trade lines with respect to their accounts. Experian deleted this information in XX/XX/XXXX but then allowed XXXX to furnish the erroneous information in my credit file again without notifying me. Under FCRA it states that if the item is reinserted then the credit bureaus have to provide you with a written notice within 5 business days. The credit bureau must investigate any information you feel is incorrect. If the information proves incorrect, the agency must remove it from its files and, on your request, inform those who have received the information that it has been removed.The alleged audit or review did not verify the accuracy of the balances claimed were owed because XXXX did not evaluate whether fees were correctly assessed and did not perform a complete audit or review of the account for error. DISPUTE 1 ) XXXX modified terms of the contract without written notice : In XX/XX/XXXX an extension contract was established and was written to terminate on XX/XX/XXXX. Unbeknownst to me, XXXX altered the maturity date again to terminate XX/XX/XXXX. At the time of this agreement, the loan had 54 months remaining. XXXX added an additional 6 months to inflate the principal balance. DISPUTE 2 ) The account was never brought current during the period partial payments were made, the delinquency that immediately preceded the collection began in XX/XX/XXXX, when the account first became delinquent. The correct delinquency date is XX/XX/XXXX. DISPUTE 3 ) The Court ordered XXXX to refund back all the interest already paid that was above the amount a car-loan lender in Ohio can legally charge you or forebear all collection efforts. XXXX has not adjusted the balance and Experian refuses to comply with the judgment order to delete this information from my consumer file. The monthly payments were {$450.00} and 25 % ( {$220.00} ) was applied towards finance fees. The reporting account balance and its entirety is inaccurate and as ordered should be deleted from my credit file. I also called them and they refuse to investigate it again.
Consumer complaint received 2020-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

Two Things ...

1. ) My credit card balance was decreased from {$1500.00} to {$950.00} AFTER I made several payments to pay down my balance. I had about {$700.00} worth of credit when CB ( Citizens Bank ) decreased my card balance due to my credit score dropping. My sentiment is that I felt it was unethical to reduce my balance after making payments that would certainly improve my credit rating and more. I hit a financial bump two years ago and now I am on track ; therefore, reducing my balance hurt my credit rating instead of improving it. I would like reconsideration of my original balance. I have no faith in knowing that if I paid this card off, the account would not be closed which would ultimately negatively impact my credit rating again.

2. ) I made an on-time payment on XXXX.20 ( Friday ) in the amount of {$100.00} but the payment is still showing as processing but I was charged a late fee. I had to log into my account to obtain this information. I called CB and was advised that the fee will be reversed because payments arent processed on the weekends. I advised that the cutoff time for Same-Day payments on the website says XXXX  EST. The agent said its XXXX and is on our Customer Agreement. Ive lost faith in CB considering that I thought they did things differently. Their practices are alarming at this point.
Consumer complaint received 2018-11-05
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: EQUIFAX, INC. (OH)

To whom this may concern, I was reviewing my credit report and discovered it contained some errors pertaining to the following " Personal Information ''. I am requesting that you promptly update and removed and delete the following  inquiries off my report. 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 via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX. I need these removed I have not applied for any of the above
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (MI)

The company in question reports as a attorney on credit report with XXXX and also states that there is an open account that I have no knowledge of an open account with the company. Checking all my records to date all alleges accounts are in fact closed are reported as open.
Consumer complaint received 2022-12-26
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. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical. Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items in XX/XX/2022, XX/XX/2022, but the Bureaus did not remove them or properly validate. 
XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-01-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

First, I filed a complaint regarding Genesis collection practices and the fact that the debt is not owed. Next, Genesis addressed the issue regarding the debt but the failed to explain their violation of legal collection practices.

1. Genesis has never provided any written communication regarding the debt collection. Genesis only sent documentation once a complaint was filed with the credit bureau.

2. Genesis has phoned and texted my cell number. Genesis has been told if they have an issue to send it in writing. Genesis has not sent any written complaint.

3. Genesis contacted my sibling stating that they were trying to contact me to " help '' me out with an issue. My sibling noted that the call appeared suspicious and told them to call me. My sibling reported the call to me.

4. After telling Genesis to only contact me in writing they have continued to call my cell phone. I am maintaining a log of the calls and the voice mails they are leaving.

Genesis appears to think that they are above following FTC guidelines.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

I pulled my credit report I noticed that this company charged off this account on my credit. If this account was indeed charged off the creditor has failed to provide me with a 1099-c. This company got a tax write off and I should not have this debt reported on my credit profile. This company has failed to send me any forms or any documentation showing that the creditor has the right to report this as a debt. I demand that this company remove this inaccurate information from my credit report immediately, due to this creditor violating 15 U.S. code 1681eb by reporting inaccurate information on my credit profile. According to the IRS a charged off account is considered to be ordinary income. This means this is an inaccurate account furnishing on my credit report. This is cancelled debt, and this company has filed this account on their taxes as income but is also reporting this account on my credit report as debt. The IRS also mentions that this company was supposed to send me a 1099-c form so that I can file this ordinary income. According to 15 USC 1681eb, when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM accuracy of the information concerning the individual to whom the report relates. This creditor is also in violation of using the copyrighted artwork, FIRST MIDDLE LAST, without my prior written consent. This account must be deleted immediately.
Consumer complaint received 2024-04-09
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: CITIBANK, N.A. (FL)

In XXXX I fell victim to fraudulent activity on my credit cards, after my identity was stolen. My Best Buy credit card being XXXX of them. I was sent something from Best Buy saying they took all charges off and that I was not held liable. But yet on my credit report its is showing over $ XXXX as a charge off bad debt. This is NOT FAIR
Consumer complaint received 2020-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (FL)

I have a mortgage with 21st Mortgage. My payments are {$690.00} a month. It is considered late on the XXXX of the month. I am past due for XX/XX/XXXX and owe for this month XX/XX/XXXX. 

I tried to make XXXX payment on XX/XX/XXXX of {$690.00} they are refusing my payment. They are very XXXX  and rude.
Consumer complaint received 2020-01-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MD)

Enhanced recovery company keeps contacting me about a XXXX debt that has exceeded it's statue of limitations. I last had XXXX cell phone service in XX/XX/2012 yet every year as current as XXXX XXXX enhanced recovery company updated once a brand new statement on my credit. By renewing it on my credit report it falsely makes the debt appears brand new rather than it's true age of almost XXXX years old.
Consumer complaint received 2020-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (FL)

XX/XX/XXXX To whom it may concern : This complaint letter is directed at XXXX credit card company. I called this company last year ( XX/XX/XXXX ) to close my credit card after paying it off. The customer rep asked if there was anything they could do to keep me as a customer to which I replied, No, I want the card closed. To date, the card is still open and active. Im sending this complaint to each of the credit bureaus and if the account remains open Im writing a complaint to the Florida Attorney General. 

Why would they continue to keep my card open after I requested it closed? I learned that the card was still active after I received an email last week stating that my card had been charged the XXXX annual membership fee. I called and had the charge removed. 

Their information is below : XXXX Customer Care PO Box XXXX XXXX XXXX, TX XXXX XXXX Please keep me updated. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX tD bank payed a check against my account without funds available that made my account negative for approximately {$1500.00} without the account having overdraft protection. Other transactions went in and from XX/XX/XXXX-XX/XX/XXXX that have charged me more that 14 overdraft fee for {$35.00} each almost {$500.00} in two weeks. 

I believe it was bad faith on their behalf and there should be a control over how many overdraft can be changed.
Consumer complaint received 2020-06-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Sent 2 letters asking all credit bureaus to verify collection accounts on my credit report. Is been over 85 days. Sent certified letter to them asking to verify a medical collection that I dont think is mine and a XXXX   collection that is definitely reporting the wrong info.