davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (GA)

XX/XX/XXXX To Whom It May Concern : XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. The Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and a respect for the consumers right to privacy XXXX XXXX XXXX /CCS collections, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX a financial institution by definition under that title. 15USC 1681 section 604 a section 2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX/ CCS Collections, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX financial institution and the consumer reporting agencies, XXXX XXXX XXXX and XXXX do not have my consent to report my information. Any and all consents to XXXX XXXX XXXX CCS collection, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX whether verbal, non-verbal, written, implied or otherwise is revoked. The Privacy Act of XXXX recognize XXXX XXXX XXXX/ CCS collections, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX not inform me of my right to exercise my nondisclosure option. Conditions of DisclosureNo agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of the individual to whom the record pertains, 15 USC 1681C ( a ) ( 5 ) says Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' 15 U.S. Code 1681a ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting transaction history is illegal.
Consumer complaint received 2024-02-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I was struggling with making payments, so I asked if it were possible to do a reduction plan for my monthly payments which I have done before. It would bring my monthly payment to {XXXX for 3 months and after making those payments, my loan would be brought current. I was able to do this one time before, so I thought that I would be able to do this option again. I was told that I would be enrolled in this option, my payments were brought down to XXXX}, except this time I was not made aware that after paying XXXX for 3 months, that my payments would be brought current. I was constantly being sent emails, and receiving phone calls that my student loan was behind in payments despite the fact that I enrolled in the lower payment program. At the time of enrollment it was never explained to me that the loans would not be brought current after making the 3 payments of XXXX  Now I'm behind by XXXX, in which they are saying I'm behind by 160 days, and if I don't pay by the end of XXXX, my loan will be sent to collections. I'm still getting collection phone calls. When I attempt to call AES which they asked for me to call at my earliest convenience, they say that there is nothing they can do for me, and then they just keep calling and sending notifications despite my attempts to talk with them and ask for assistance. I have all the corresponding documents.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (FL)

I used my card for the wrong transaction my account was charged XXXX I put in a claim and it was denied they never researched I spoke with the merchant and got email that the money will be refunded back to my account on XX/XX/XXXX the money was pending to the bank but now they claim its still not there and wont issue me a credit keep telling me will be XXXX 5 day wait but had they investigated and didnt deny my claim I would already had the money in my account Im XXXX and live on my money so this is hurting me to keep on waiting I tried to open accounts in other banks it will not allow me so Im stuck with this XXXX bank
Consumer complaint received 2023-02-09
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (TX)

I received a letter from American Express on XX/XX/2020 indicating that my line of credit had been reduced by over 50 %. 

I attempted to use my card at a business that I used to own, although I no longer have any relationship with. American Express refused to acknowledge any evidence that I no longer have a relationship with the company. 

I worked diligently to try to correct the error with the company. The company refused to hear my appeal. 

I believe that employees processing my request used my XXXX orientation against me in the refusal to hear my appeal.
Consumer complaint received 2021-01-05
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: EQUIFAX, INC. (LA)

I have submitted multiple disputes to XX/XX/XXXX, Equifax, and XX/XX/XXXX about the identity theft incident that I was involved in last year, they have failed to respond to any of my disputes and they have broken multiple laws in the FCRA and the Consumer rights act I am asking the CFPB to reprimand them for violating multiple consumer laws and failing to validate any of these fraudulent accounts that they are reporting.. I demand compensation as I have been sick with XX/XX/XXXX and haven been able to work or receive assistance due to their reporting of this false information on my credit report
Consumer complaint received 2017-05-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cooling & Winter LLC (GA)

I got a credit card with XXXX and I lost my job shortly after. I tried contacting XXXX to explain why my account had got into the late status. I contacted them and was told the department I needed to speak with was n't available and they would call me back. I never heard back. I then received a letter form Cooling and Winter LLC in XX/XX/XXXX notifiying me that XXXX had hired their Law Firm and for me to contact them in 30 days if I was denying the debt from a XXXX. I received a statement of claim from magistrate court of XXXX county Georgia on XXXX XXXX 2017. I have repeadly tried to contact the attorney on the paperwork and only spoken with them once. I was told to contact them again once I had made my decision or made a counter offer and I have since contacted them on Wednesday XXXX XXXX 2017 at XXXX XXXX Friday XXXX XXXX 2017 at XXXX, XXXX, XXXX, XXXX XXXX All of these times i have left voicemails. I have also emailed them multiple times and the attorney XXXX XXXX XXXX said she would forward my emails for him to call me back and he has n't. The man I have spoken to on Wednesday XX/XX/XXXX at XXXX XXXX XXXX XXXX his name is XXXX XXXX with Cooling and Winters LLC. I was told I had to give them an answer by Tuesday XXXX XXXX 2017 whether it as going to agree to payments or agree to the amount they offered for a settlement. I was told by XXXX XXXX that I could counter offer their settlement which I was trying to do by my repeated attempts of phone calls voicemails and emails. I left the amount of my counter offer in an email and on a voicemail. I was threatened that I had to answer by XX/XX/XXXX which is not 30 days after I was served
Consumer complaint received 2024-02-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CO)

Discover 's Covid Relief Hardship Plan I was formally under from XXXX XXXX through end of XXXX. The plan specifically allowed for a reduced APR of approx. 9 % for a period of 12 months and allowed for payments to be maid after the payment date specifically while on this program therefore not resulting in late fees- only a rolled over balance and increased interest in paid after the XXXX or XXXX of each month. The program allowed for the most minimal amount to be paid monthly and also allowing for no late fees to be applied if the payment was posted after the due date. I learned and applied to this plan in XXXX XXXX and completing each of the 12 payments required for those 12 months even if delayed they were paid within the parameters Discovers Covid Relief Hardship plan set. This program supported clients who were effected by layoffs or changes in employment during and post Covid. I called Discover approx. each month ( these should be recorded on the Discovers line ) to provide updates- if I did expect delays. The program ended the following XXXX XXXX however the adjusted payment required reset at the standard APR of about 24 % in XX/XX/XXXX. Since then, I have paid over the mim. required and will continue to do so as planned based on my budget to pay off by XXXX. The 9 late payments on the credit report is not an accurate reflection when on this specific program and stated benefits/ support/ grace periods provided by Discover under the Covid Relief Hardship Plan. I am disputing that the 9 late payments be removed since I was actively in this program and completed all 12 payments in full by the end of the program and currently in " good standing '' now. 

Note : XXXX XXXX, XXXX Program start XX/XX/XXXX Program end I did call Discover to let them know I would take these steps as of XX/XX/XXXX.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Good Afternoon, I opened a HUNTINGTON 25 checking account around the beginning of XXXX. This process was awful from the beginning. The advertised terms were deposit $ XXXX for 3 months and receive a {$500.00} sign up bonus. I opened an account with Huntington and then initiated a transfer. Approximately one week after initiating the transfer, the money had not been successfully showing in my Huntington Account. I called Huntington around XX/XX/2020. I was told my account was on a Fraud hold and I needed to show ID in branch. I was not informed proactively of this hold on my account. That is very shady in my opinion. How can you have someone's {$25000.00} transfer for their personal XXXX XXXX XXXX XXXX account on a fraud hold without letting them know. My Deposit showed with an effective date of XX/XX/2020 with Huntington. 

On XX/XX/XXXX or XX/XX/XXXX I had yet to receive my {$500.00} promotion. I called Huntington and asked why. They informed me it was because the deposit was classified as a credit, not a deposit. To me, putting money in bank account is a deposit, the method of transfer is irrelevant. If I would have deposited the $ XXXX in cash I would have had a anti-money laundering SIR opened against me. Therefore, transferring and having an electronic record of from where the funds are coming are the better, safer way of depositing money. I asked the representative to open a case for research on my behalf. I was told my case number was XXXX. 

I contacted Huntington bank on or around XX/XX/2020. I provided the case number and the representative put me on hold. About 10 minutes into my hold the phone disconnected. I tried to call back. A day or so later I called again, was put on hold by the rep and about 10 minutes later the call disconnected. 

Today, XX/XX/2020, I called and spoke to a representative. Before putting me on hold, I explained to her that this has happened in the past and the call disconnected. 18 minutes into the phone call the call disconnected while still on hold, again. Fortunately, the Representative called me back. I was told my account was not eligible for the bonus as it was not 'new money ' because it was transferred from another account as its deposit and not cash or check. As a consumer, reading 'new money ' I interpret that as money not with Huntington . 

To me, this is a classic example of a bait and switch. Completely unfair advertising practices and taking advantage of people. 

Please review this and help my wife and me. We are trying to start a family and need to have IVF. We must pay out of pocket for all of our IVF treatments and the $ XXXX we deposited is the money we have set aside for the procedures. The {$500.00} bonus was very important to us to help start a XXXX if we're fortunate enough to have a child.
Consumer complaint received 2024-02-09
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: TD BANK US HOLDING COMPANY (NC)

Subject : Urgent Request for Documentation and Action Regarding Unauthorized Inquiry and Security Interest Dear TD Auto Finance, I am writing to address a concerning matter regarding an inquiry reported by TD Auto Finance, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation. 

Firstly, I require documentation proving that I provided express written consent for TD Auto Finance to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal.

Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying TD Auto Finance to remove this inquiry from my file within four business days. 

Furthermore, it has come to my attention that XXXX XXXX neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the CUSIP number associated with the security interest provided to TD Auto Finance. Failure to provide this information will leave me with no alternative but to initiate a level 3 audit on my account.

I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action.

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Consumer complaint received 2023-07-11
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)

Hello I have some credit issues starting with can XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX do to XXXX XXXX, XXXX and explain removed them with no problem. Please help me get this issue removed and resolved. Thank you kindly
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX : {$1900.00}.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (KY)

I keep getting emails about an upcoming payment on a Kay Jewelers credit account with a {$400.00} balance. I have never our based anything from Kay 's Jewelers. I keep being redirected from one number to another, each assuring me that the other number can resolve the issue. However, it's a never ending loop. I did ask one of the reps if they could pull up any accounts in my name so I could find out what kind of purchase " I '' had made and when they put my name in they reported that they see no purchases under my name. And then transferred me to the other number, because " they handle that ''.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX i submitted a claim for several upon several transactions that i had not authorized via XXXX XXXX, wells fargo completed an investigation with claim number XXXX, and determined that for the claim that was {$3200.00} i was in fact right and errors did occur, they gave me a final credit on XX/XX/XXXX for the amount of {$2300.00} - clearly missing money in this {$830.00} to be exact, then i find out ON TOP, THEY missed SEVERAL OTHER TRANSACTIONS I HAD SPECIFICALLY ASKED THEM TO ADD to the claim. 
so now they opened a new claim, yet again claim number XXXX for 44 other XXXX  transactions, i since then got a new debit card and had this investigated. so im asking if someone can expedite my funds coming back to me, because your " bank '' is supposed to protect you, no instead i get a notice saying that they are ending their relationship with me, of course the day i file the claim THEY SCREWED up on. im going to be talking to a lawyer and filing a class action lawsuit against wells fargo, for misleading practice, and false promises and deception. i want my money back, from the first one the correct amount and i want the new one to be credited to being this was supposed to have taken place WEEKS ago, now they want to close my account with 0 reasons given, go figure typical wells fargo. good thing the local and national news will be seeing and hearing about this this week! 
i want am email explaining to me where my funds are and when i'll be receiving them so i can move them to a new bank.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act. The account has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account # 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 USC 1681 ( A ) ( 4 ) 15 U.S.C. 1681 Section 604 A Section 02 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1681b ( A ) ( 2 ) 15 U.S.C. 1681c. ( A ) ( 5 ) Section : It states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I challenged the accuracy, compliance and reportability of this listing and it came back verified. Please validate and have them provide method of validation on this information from this account and ask them to provide me with copies of the original contract between myself and XXXX XXXX and validation associated with this account, bearing my written signature. This has account has been updated with activity and this is a closed collection account. The term duration is INNACCURATE on this account states 1 month on Experian, 0 months on XXXX, and Unknown on XXXX which is inaccurate as well as the first date of Delinquency are inaccurate as well. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I also attached an article from the CFPB ordering " Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} Million for Continued Illegal Debt Collection Practices and Consumer Reporting Violations '' I requested validation and method of validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681S-2 ] [ 15 U.S.C. 1681e ]
Consumer complaint received 2019-02-06
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: EQUIFAX, INC. (TX)

I have requested inaccurate and unverifiable inquiries be removed from my credit report via FCRA laws. I have requested written proof be sent to me and this was not done. I was the victim of identity theft and I requested that theses inquiries be removed ASAP and this never happened