davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (IL)

I submitted an employment certification form on XX/XX/2023. My PSLF payments have still not been updated. They say to allow for up to XXXX BUSINESS DAYS!!! to process. That is an unreasonable and undue amount of time to wait for payment counts to be updated. They should be updated within a month.
Consumer complaint received 2022-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIZENS FINANCIAL GROUP, INC. (MN)

I applied to refinance my student loans with Citizens Bank based on an offer sent in the mail. A component of this offer was a {$500.00} XXXX gift card. Rates are competitive, so this was the aspect that set Citizens apart from others like XXXX. I went to the website listed on the letter and got rates and later finished my application. 

Recently I followed up with Citizens on the status of the {$500.00} XXXX gift card. I was told I do not qualify because my application was routed through a third party they contract with ( XXXX? ). I have never communicated with this third party, nor have I heard of them. All Citizens was willing to tell me was that somehow my application went sent through them. As a customer I had no control over this. I followed the instructions on the offer letter and had no knowledge a third party became involved ( it is still unclear how or why this third party is involved ). 

It appears Citizens promoted an offer and then routed me to a third party in order to avoid honoring the offer. I also, of course, now have concerns about this third party having access to this data without my knowledge or permission. 

Citizens has been unwilling to remediate this situation.
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

I never late or missed payment with Discover Card I was planning to pay it down in order to get a custom PC in a few months but I just found out my Discover Card is closed not just because they closed it they also killing the credit age I only had this card for almost 8 months. I really want to stay with Discover Card so they told me they send me the letter in days but I didn't miss any payment or missed payment so what 'em closed my account suddenly? I do want to build a great relationship with Discover Bank. They made my account closed and made it really bad for me. I do not authorize 'em to close my account or ask for closing my account in any reason so this is why I write a complaint against Discover Bank.
Consumer complaint received 2022-01-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-02-22
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. (WA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX XXXX, which outlines the permissible purpose of consumer reports. I have requested Form XXXX from XXXX, XXXX XXXX, XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE XXXX BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (WA)

DEAR MIDLAND CREDIT MANAGMENT : Account # XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. The agreement must be with the original creditor and signed by all parties involved. I am requesting this because have had different companies have reached out to me about this same alleged debt and Im scared my information is in the dark web. Therefore, in case you have this agreement please provide me with a copy of all the following : An explanation of what this alleged account balance is for.

A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

Documentation that shows I agreed to pay this debt. ( original contract ) A copy of your Washington state license, including license number.

Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have the right to dispute the accuracy of the account being reported by MIDLAND CREDIT MANAGMENT. However, they have not given me a reasonable opportunity to dispute the account or provide evidence to support my position.

Mean time this investigation is open please delete any negative item on all my credit reports and Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-01-26
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. (DE)

Hello my name is XXXX XXXX ; I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (MN)

On XX/XX/XXXX I noticed a transfer for XXXX to a simple non migrated account. 
We called on XX/XX/XXXX and have called multiple times since. 
We have yet to receive answers as to where our money went. 
SIMPLE bank customer representatives keep saying it's under investigation and they don't have any details This transaction says " SIMPLE non migrated account EFM '' On Tuesday XX/XX/XXXX we received an email saying that our account was pending closure and the reasons are confidential. 
We are requesting that this transaction is reversed and our money is returned before the account closes.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (MD)

I am writing yet a 3rd time to formerly dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my credit worthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the FCRA specifically under U.S.C. 1681b ( PERMISSIBLE PURPOSE ). DETAILS OF INQURIES LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe that the inquires made by the aforementioned organizations were made without permissible purpose as outlined in the FCRA specifically 15 U.S.C. 1681b my interactions with the organizations involved clear communication that I authorized a single credit check a specific purpose. The purpose include but are not limited to credit transactions employment background checks and account reviewed by existing creditors. The organizations in question did not have permissible purpose to make multiple hard inquires without my consent as these actions are not authorized by law.
Consumer complaint received 2023-07-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

I purchased a car in XX/XX/XXXX with financing arranged by the auto dealer with America First Credit Union ( " AFCU '' ). I also insured the vehicle with XXXX XXXX and provided the proof of insurance to the dealer and AFCU. On XX/XX/XXXX AFCU added {$6200.00} to my account balance for collateral insurance coverage, despite full insurance coverage being in force with XXXX XXXX. They failed to provide any notice to me regarding the purchase of the insurance and the addition of the premium to my loan balance. The collateral insurance charge is nearly 8 times the cost of my insurance with XXXX XXXX and represents more than 15 % of the cost of the car. I learned of this a year after it occurred after chasing down AFCU to provide me on line access credentials so I could look at my account. Since then in multiple attempts to amicably resolve this I have spent hours on hold with AFCU agents, have twice been told that supervisors will call me back ( they didn't ), been sent to an AFCU office that turned out to be unstaffed, and have tried to resolve it through serial email communications. Their efforts collectively represent a tireless pattern of obfuscation and misdirection to reap a windfall on an invalid insurance charge.
Consumer complaint received 2022-02-14
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: AmeriCollect (GA)

I recently ordered a copy of my credit report and the bad score that I had thought was due to not having I established credit I found out was due to Numerous things on my credit report that was not me. There are six visits to the emergency room in Georgia on my report I have not been to the emergency room since I lived in Kentucky in 2009 I had a baby thats the last visit Ive ever had to the emergency room. Also there is something on there from XXXX cable I have never had cable from XXXX the last time I had cable television was in XXXX Ohio!!! Im in the midst of trying to make a police report and get this handled.
Consumer complaint received 2023-06-12
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: Fidelity National Information Services, Inc. (FNIS) (NY)

Dear Collections and Consumer Relations Dept. : I was recently informed of negative information reported by XXXX XXXX XXXXXXXX included in the file XXXX XXXX XXXX maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Checking Account Fraud on XX/XX/XXXX. 
I am unaware of ever having a Checking Account Fraud from XXXX XXXX XXXX XXXX validate this information with XXXX XXXXXXXX XXXX and provide me with copies of any documentation associated with this Checking Account Fraud bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. Its been four years and I dont get receive any tangible reason. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney Generals office. should you continue in your non-compliance. further remind you that, as in Wenger v. Trans Union Corp. No, 95-6445 ( C.D, Cal. Nov 14. 1995 ), you may be liable for your willful non-compliance. 


Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX New York XXXX Sincerely, XXXX XXXX
Consumer complaint received 2021-04-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

XXXX- while professing one may update or add to their dispute process to is not true by their allowing. They continually disallow any and all forms of commentary deferring to the lender or limited selective criteria they have established. This creates a false narrative and false investigation. Also the time to resolve disputes is outrageous placing people in financial bondage while lender are allowed to merely claim they are still investigating and their responses CAN NEVER reflect accuracy because consumer comments are never recognized andvl that remains acceptable!
Consumer complaint received 2024-02-22
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to address a compliance issue regarding the failure to remove fraudulent accounts from my credit report, despite confirmation from the respective banks over the phone. XXXX has already completed their report by removing the fraudulent accounts. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NC)

In felony retaliation for me filing a previous complaint with the Bureau for mishandling a violent fraud incident, Chase is now maliciously withholding a government deposit - as if they think that the federal government will now default on its checks. Clearly, the only customers that JPMorgan honors money from is if youre a XXXX - as long as you have a last name ending in XXXX. JPMorgan needs to quit stealing money from the working poor to fund covering up their part in XXXX XXXX by XXXX XXXX.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

On XX/XX/XXXX, I sold my car to XXXX XXXX in XXXX XXXX, Iowa. They cut me a check for {$25000.00}. That night I tried depositing it into my Bank of America savings account using mobile check deposit. I woke up on XX/XX/XXXX to find both my checking and savings accounts closed. No email or text. The check was 100 % legitimate. After calling them 4 times, and stopping in to the local branch they said there is nothing they can do.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE (WI)

My credit card was hacked and on XXXX XXXX, 2022 the credit card company closed and was going to send replacement. XXXX was promised on XXXX the XXXX, didn't come. Then promised on XXXX the XXXX, then promised on XXXX the XXXX before XXXX XXXX. Never came. Called multiple times with no satisfaction or where card is. The credit card is Barclay.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc. (NY)

This XXXX/XXXX  XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

XXXX XXXX
Consumer complaint received 2022-02-04
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: JPMORGAN CHASE & CO. (NC)

Thank you for taking the time to review my credit file. When I contacted them each by phone call, they were not able to pull up any information on me with my social security number, date of birth nor name. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX JPMCB - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX JPMCB - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX JPMCB - XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX JPMCB - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-01-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (DC)

On Monday, XX/XX/2022 I received an unsolicited Visa card from Chime, a financial technology company based in XXXX XXXX. The card was in my name and sent to my home address. On Tuesday, XX/XX/XXXX, I received a text from XXXX notifying me that my Chime Visa was in the mail. I contacted Chime via the help phone number ( XXXX ) listed on their website ( chime.com ) to close the account as I had not opened the account. 

Chime asked me to verify my information, but the email address on file was not mine, and so the customer service representative said they could not close my account over the phone. A supervisor informed me I would only be able to close it after submitting documentation, but I needed to wait for their fraud department to contact me with information on where/how to submit that documentation. I am still waiting ; in the meanwhile, someone has access to a digital financial and banking account in my name and is likely using this fraudulent identify to commit fraud. 

I asked for an alert or freeze to be place on the account in the interim. The customer service supervisor I spoke with said this happens frequently. Chime makes it easy for anyone to open an account with anyone else 's information, and the company erects unnecessary barriers to close the account.
Consumer complaint received 2022-01-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/2022 I, XXXX XXXX a federally protected consumer was violated by NAVY FEDERAL CREDIT UNION. On XX/XX/2022 I applied for an {$82000.00} auto loan but instead of being approved I was given the choice of a counteroffer of my initial request in the amount of {$60000.00} or I would have to add another navy federal member to my loan application to get approved for the {$82000.00} because of my income ; I denied the offer and explained to the loan manager that taking adverse action with my credit extension application was a violation of The Equal Credit Opportunity Act [ 15 USC 1691 ( c ) ] because I am not in any credit assistance programs authorized by law or administered by a nonprofit organization nor am I an economically disadvantaged person. No where in the Equal Credit Opportunity act does it states that a consumer can be denied for income. The loan manager was not familiar with The Equal Credit Opportunity Act so he did not know what I was referring to when I stated these laws. I sent out a Violation of The Equal Credit Opportunity Act letter to Navy Federal Credit Union on XX/XX/2022 awaiting response.