davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/XXXX, I disputed the validity of the debt, and requested the following to provided to me to validate the debt : To whom it may concern, I am writing in response to your letter ( copy enclosed ) because I do not believe I owe what you say I owe. This is the first Ive heard from you, or any company on this matter, therefore in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) :  Validating Debts, I respectfully request that you provide me with the following information : 1. Proof that you actually own this debt 2. Statement from the original creditor providing the amount and complete payment history 3. Copy of the SIGNED loan agreement and/or credit card application/contract 4. Copy of a cancelled check from me to the original creditor 5. Proof that you are licensed to collect debts in the state of Georgia Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 
Also be advised that I am keeping very accurate records of all correspondence from you and your company. I have disputed this debt ; therefore, until validated, you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. 

They have not provided the requested information and are continuing to report negatively on my credit report which has caused my credit scores to decrease and causing me to get a higher rate on an auto loan and being denied on other credit requests.
Consumer complaint received 2020-10-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Remex, Inc. (NJ)

We are experiencing a national pandemic. I am out of work, yet this company decided to put this derogatory bill on my credit. The bill is {$290.00}. I spoke with someone about 2 weeks ago who said they would work with me. I lost my job which I told them I was NOT working but wanted to see if I could appeal the amount with my health insurance company. but two weeks later they put this on my credit to damage my credit. Do they NOT see where are experiencing a pandemic and there is a lot going on. How can they do this???? I want this removed from my credit.
Consumer complaint received 2023-12-27
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$7300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX  XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX  XXXX  ( Original Creditor Name : XXXX XXXX XXXX  ) XXXX Balance : {$4500.00} XXXX  XXXX  XXXX  ( Original Creditor Name : XXXX XXXX XXXX  ) Balance XXXX {$410.00} XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$340.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX ) XXXX Balance XXXX {$530.00} XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  Inquiry XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-05
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: NAVY FEDERAL CREDIT UNION (PA)

In accordance with the fair reporting act this creditor has violated my rights. Under 15USC1681 sec 602 states I have a right to privacy. 15USC1681 sec 604A sec 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2020-10-03
Product: Credit card or prepaid 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. (WI)

On XX/XX/XXXX I made a purchase in the amount of {$110.00} at XXXX XXXX XXXX XXXX with my Citi Double Cash card. When I reviewing charges later in XXXX I noticed I had been charged for three separate charges at XXXX XXXX on XX/XX/XXXX. One charge was for {$42.00}, the second for {$72.00}, and third for {$110.00}. The charges for {$42.00} and XXXX add up to {$110.00}. I was DOUBLE CHARGED. The next time I was at the golf course we reviewed their point-of-sale ( POS ) system for the charges from that date and they had no record of the charges for {$42.00} and {$72.00}. Their POS system on showed the {$110.00} charge. 

With this information, I then filed a dispute for the charges of {$42.00} and {$72.00} with Citi Bank in late XXXX via the chat system Citi has online. A week later, on XX/XX/XXXX, I contacted Citi to ask for a status of the disputes and I was informed that I had withdrawn my dispute, which I had not. I then filed the disputes a second time using Citi 's online dispute system. The dispute for {$42.00} was immediately approved but the dispute for {$72.00} was not. Citi then contacted XXXX XXXX to ask for information related to the disputed charge. XXXX XXXX provided Citi Bank a printout from their POS system with charges from XX/XX/XXXX. Keep in mind the date of the disputed charges is XX/XX/XXXX, not XX/XX/XXXX. With this information from XXXX XXXX, Citi Bank denied my dispute. 

I have again disputed the transaction for {$72.00}. Given that it is clearly obvious I was double charged ( again {$42.00} + {$72.00} = {$110.00} ) it is beyond me why Citi has bungled the dispute twice already so I think it is appropriate that the CFPB be aware. 

At this point, I expect that Citi not only reverse the {$72.00} charge from XXXX but I also expect them to provide a sufficient response to me for and compensation for all the time I have wasted because of their incompetence.
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (TN)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the person.
Consumer complaint received 2023-07-13
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2020-09-26
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: Experian Information Solutions Inc. (VA)

The following accounts reporting on my credit file are unauthorized and fraudulent. Im demanding that these unauthorized accounts be removed and blocked. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX {$8600.00} 3. XXXX XXXX 4. XXXX {$1100.00} 4. XXXX XXXX XXXX {$1100.00} 5. XXXX XXXX XXXX {$500.00}
Consumer complaint received 2019-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Imagine having a business bank account open for 5 months, and after the first 30 days, all of your deposits are available the next day, as promised. The bank account has never had any NSFs, nor any returned deposits. One day you deposit the same $ XXXX check to your account, which has been deposited multiple times before. The check is from the same customer, drawn on the same bank, and the same amount, as all of the times before. The online banking system and mobile app, show the deposit, and clearly states " Credit pending ( available to cover items posting on the same day as the deposit '', available next business day for withdrawal and debit card purchases '' ).

Imagine writing a check that same day, to one of your customers, and paying some of your bills, knowing that you have more than enough in the bank to cover the transactions, but the bank returns the checks as NSF, because they decided to place a 5 business day hold on your deposit, AFTER the fact, and with no notice to you at all. Imagine not having access to your operating funds for days, the embarrassment of the returned checks, and the fees that the bank charged. This has been my experience TWICE now! 

This happened again last week, and XXXX XXXX, the " Regional Market Leader '',  apologized, and assured me via email, that " he shared my concern about the lack of communication regarding the random holds, and committed to being diligent in digging into why this keeps happening. '' On XX/XX/XXXX, I deposited the same monthly check, that I have deposited for the past 6 months. Once again, the " system '' placed a hold on the deposit. The online system states that the funds will not be released until XXXX. I alerted my branch office about the hold, and the staff verified that there were more than enough funds to cover the deposited item, from the bank from which it was drawn. When presented with this information, XXXX XXXX refused to release the funds. This blatant disregard, and lack of urgency in me having access to my operating funds, has placed me and my company in a position of not having funds to cover my company payroll. 

I know that banks place holds on deposits to protect themselves, and we the consumers. What is unacceptable, disingenuous, and should be illegal, is the fact that they place holds on deposits, after the fact, randomly, and with no notice to the customer at all. There is no clear policy of when or why the holds are placed. I did not get an email, text, phone call, or letter, that a hold was being placed on any of my deposits. I know that the banks have lots of attorneys on staff, and really don't care about the small business customers, but I would love to know if there is anyone else out there, who has had the same experience, and if there is any action initiated against this deceptive practice.
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I applied for the XXXX XXXX XXXX XXXX. 
EARN {$200.00} Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account openings. 

I have excellent credit and they said that 7 years ago I had a collection that I settled back XX/XX/XXXX they said that they will never take that off the credit bureau probably do but they keep it forever and if that's the case I needed to know so I would never apply for XXXX 's credit cards because I received a hard inquiry on my credit score and I don't want to keep getting hard inquiries with XXXX if they do not take away the 7 years when I was young it was actually back in XXXX but I started to do better in my life so I considered settling for XXXX and XXXX  something dollars. I spoke to the lender and the consumer Department and they told me they didn't know if they had a 7 years forgiveness
Consumer complaint received 2020-10-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

I leased in XX/XX/2020 a new car from XXXX XXXX  and the lease was financed through KiaMotorFinance. I paid the down payment and the XXXX lease payment via a check from my checking account and requested all further payments to be withdrawn from this account as well. I was assured that that was done this way and that I would receive a welcome package from the bank with all information regarding this. After two weeks I had not gotten any mail I contacted the dealer concerned about this but again I was assured that all was in order and due to Covid19 there were delays. Than I called the bank but I was told to give them my account number but I did not have that and I was told again that I would get this soon. Due to my very tough work schedule in the XXXX dealing 12-15 hours per day with XXXX XXXX  and the reassurance from dealer and bank I did not worry any longer until one day in XXXX a tow truck showed up to repossess my car but the driver left after I explained and showed all my proof and said that this didnt sound right. I than immediately called the bank and one employee recognized the problem and emailed a statement to me and I realized that KiaMotorFinance had used a totally wrong address and according to the bank associate had done so even after the mail was returned to them. And still they did not contact me or the dealer to right this wrong. And now they do not answer 3 certified letters, emails or phone calls but just hang up. I even immediately mailed a check with the full amount but this check has not been posted by them. 
I hope that you can help
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (MD)

XXXX XXXX credit card company pulled my credit, did a hard credit check to my report multiple times without my knowledge. All of my husbands credit card accounts are listed on my credit report. My husband place me on his accounts as an authorized user, not me. Every single time they check his account they ran a credit check on my credit which has lowered my credit score. 

I have requested that XXXXXXXX XXXX remove all these accounts from my credit report. 

This has caused me to possibly lose a low interest rate and possibly the home. 

All three credit reports are doing this to me. When I asked for this to be corrected, they advised me that it won't happen. 

I am filing a formal complaint and reaching out to an attorney to see what I can do, if anything.
Consumer complaint received 2020-09-26
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: EQUIFAX, INC. (VA)

The following accounts reporting on my credit file are unauthorized and fraudulent. Im demanding that these unauthorized accounts be removed and blocked. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX {$8600.00} 3. XXXX XXXX 4. XXXX {$1100.00} 4. XXXX XXXX XXXX {$1100.00} 5. XXXX XXXX XXXX {$500.00}
Consumer complaint received 2023-05-08
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. (IN)

In accordance with the Fair Credit Reporting act these Accounts have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

I have XXXX Plus loans that were taken out from XXXX for XXXX  school. I am not including personal information but please feel free to reach out for the information. The loans were at 8 % interest rate. When I graduated and it was time to pay the student loans, I was unemployed. Nonetheless, I qualified for income-based repayment and made small payments when I could. I was eventually able to make consistent payments through the income-based repayment program and the payment amounts increased due to my income. I believe the original servicer of the loan was Sallie Mae. At one point, Navient became the servicer for my loans. It is understandable to learn that the interest amount owed increased. However, I went from borrowing {$160000.00} in student loans and now owing {$340000.00} in loans and interest. The loan servicer is now XXXX XXXX  Complaint 1- It is  unclear to me how the amount of my loans owed has increased to double the amount although I have continued to pay and consolidated the loans. Complaint 2- when attempting to contact Sallie Mae and Navient for the documents ( 1. loans i applied for, loan amounts owed, monthly statements ) they state the documents are no longer available. Complaint 3- i would like an accounting of my student loans as I believe that the amounts I initially applied for are incorrect, the amounts that have been transferred from servicer to servicer are incorrect and the amounts that I am currently owing are incorrect. Complaint 4- I was misinformed by Sallie Mae and Navient on the options that I had available during the periods that I was unable to pay my loans. I realize that this is not my specialty and therefore I may not be using the correct vocabulary. I ask for your assistance in resolving the issues listed above. Thank you.
Consumer complaint received 2020-10-03
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: EQUIFAX, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-10-03
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: EQUIFAX, INC. (AL)

TO WHOM IT MAY CONCERN, I AM SENDING THIS AFFIDAVIT BECAUSE I AM A VICTIM OF IDENTITY THEFT. I SUBMITTED AFFIDAVITS PREVIOUSLY AND WAS ACCUSED OF USING A CREDIT REPAIR COMPANY. I AM HIGHLY OFFENDED BY THIS ACCUSATION BECAUSE I FEEL AS IF I AM BEING VICTIMIZED BY THE BURUEAS AS WELL. I FEEL AS IF I AM BEING ACCUSED OF NOT BEING CAPABLE OF DISPUTING MY OWN CREDIT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2020-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

My name is XXXX XXXX ssn XXXX. Capitol 1 has restricted my account ending in XXXX as of XX/XX/XXXX and is closing my account as of XX/XX/XXXX claiming it to be inactive. However Capital 1 has failed to provide me with a card to use for purchases and has failed to provide periodic statements as required under regulation X. Specifically under article of REG X section 1026 which requires a minimum of quarterly statements. I have another Capital 1 account that I do use regularly and would have also have used this account had they provided me with a card and statements. I have received no statements at all in XXXX, only an email notification of suspension and cancellation of my account. Furthermore, I only received a year end statement in XXXX. Multiple calls to customer service have not be effective as the telephone receptionists in the boiler rooms say there is nothing they can do and the cardholder agreement says Capital 1 has a right to cancel an unused account even if they caused the inability to use the account. I have 800+ credit scores and the loss of a XXXX credit line that has no balance and would be paid in full every month as all my other credit lines are will cause irreparable harm to my credit score. Furthermore I believe I was targeted because Previously I always paid in full and had no interest charges. Also a REG X violation to cancel an account because of a lack of finance charges.