davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (NJ)

I am writing to invoke my specified remedy for the damages done to my life. There has been XXXX XXXX done to my life due to the closure of my longest opened credit credit and debt collection of the remaining balance on the closed card. These unlawful actions by Discover hindered my ability to make critical financial decisions for my business, which is the source of my income. The damages that were done directly impacted my XXXX, XXXX XXXX XXXX, have taken away my time & energy to fight for my rights as a natural person, and have affected my XXXX XXXX due to the XXXX XXXX. The abusive practices of Discover have been tearing away at my life. It has made living this life a continuous and constant XXXX and nobody should have to go through the XXXX XXXX XXXX XXXX of not having enough money to make it each and every month that goes by. The damages done to me are worth much more than my requested {$31000.00} and I could be adding much more to the invoice I have already sent for all the hardship that I was put through as a result of the abuse and deceit, but I will settle with the {$31000.00}. The civil liability sections under the Consumer Credit Protection laws that I have added into the letters, protect me as the consumer and hold XXXX liable to providing me with monetary remedy for the misrepresentation, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX I received a note that my account will be charged a {$30.00} overdraft protection fee, even though I had not requested it. This is not the first time the bank tried to charge me ; I can document that in the past I emailed them three times to ask them not to charge an overdraft protection fee. They complied, but I assume that some other customers of them do not catch them, and are charged a fee they don't owe.
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

After looking at my credit report, I noticed several outdated and inaccurate items : The following below are inaccurate. I never live at the addresses. Please complete removed from my credit file XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Please investigate these inaccurate items and remove them immediately and forward an update copy of credit report.
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

After looking at my credit report, I noticed several outdated and inaccurate items : The following below are inaccurate. I never live at the addresses. Please complete removed from my credit file XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Please investigate these inaccurate items and remove them immediately and forward an update copy of credit report.
Consumer complaint received 2021-12-14
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: Experian Information Solutions Inc. (TX)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRA 's my identity theft affidavit. I have never authorized or gave express written consent to any XXXX affiliate CRA to furnish my data with the following companies, please be aware, no consent is identity theft : XXXX XXXX XXXX. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; ALL INQUIRIES ; LATE PAYMENTS ON XXXX XXXX LATE PAYMENTS ON XXXX
Consumer complaint received 2019-11-24
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: Nelson and Kennard (CA)

Between XXXX I was paying a reduced monthly credit card payment to XXXX XXXX Bank because of reduced income and wages. XXXX XXXX allowed this agreement. 
In approximately XXXX or XXXX I get served at work, XXXX XXXX XXXX XXXX, starting they were taking me to small claims court for non payment. I immediately called XXXX XXXX and told them of the agreement to pay a reduced monthly payment credit card which was allowed by XXXX XXXX bank. The representative said my file was erroneously escalated to collections. He said he would have the file removed from collections and rescind the summons. I paid the debt I full and never heard anything regarding this debt for over 10 years. 
Approximately XXXX or XXXX, I get a letter from a Nelson & Kennard agency saying they entered a judgment for this same account that was paid in XXXX or XXXX. I immediately called Nelson & Kennard and told them it was paid. I asked them to give me account details and a summary of account because this was paid in full 10-12 years prior to this judgment. Nelson & Kennard said they could not produce any account details and had no records for my account. I immediately called XXXX XXXX asking for my account details to show proof it was paid in full. XXXX XXXX stated since it had been so long, that information was purged and they had no details. I then reached out to an attorney who wrote a letter XXXX XXXX XXXX to Nelson & Kennard informing them of unethical collection practices. 
To this day, they never produced any account details nor have they provided any documentation nor proof that I owe any monies from this account that is over 20 years old. The only reason I knew this judgment is still active is because I'm trying to refinance my house and this judgment appeared. My title company has tried to get documentation from this company without any success. 
This company is using unethical collection practices by trying to collect on a paid account that is over 10 years old ( now 20 years old ). Nelson & Kennard can not provide any account details showing that I owe this amount ( which was paid years ago ). It's affecting my refinance and this needs to be removed and resolved.
Consumer complaint received 2023-02-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2021-12-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

THESE XXXX COLLECTIONS DID NOT PROVIDE THE BALANCE THEY SAY I OWE WITH PROOF OF PAYMENTS UP TO THAT BALANCE DATE, DID NOT EXPLAIN AND SHOW ME HOW THEY CALCULATE DWHAT THEY SAY I OWE. THEY HAVENT PROVED THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THAT ACCOUNT AND PROVIDED ME WITH THEIR LISENCE NUMBE RAND REGISTERED AGENT SERVICE.
Consumer complaint received 2021-12-14
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. (AL)

XXXX XXXX a collection being reported is not mine. The account belongs to someone else as I have never had a XXXX XXXX card.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist is in violation of the Expedited Funds Availability Act. In XXXX of 2022 I was told that a check that was deposited was not honored and my account was going to be closed as a result. Since then, Truist has continued to send me statements reflecting a positive balance in the account that was supposed to be closed. I called Customer service on several occasions to find out why I was receiving statements that reflect the check was honored. Truist refuse to release my funds and the only solution offered was them telling me to ignore the statements and that they would try to stop the statements from coming. 
Truist refuse to close the account attached to my name and it's been over a year and Truist still won't release my funds by closing the account. They are trying to keep my funds. Truist has provided no valid information as to their reasoning to extend holding my funds for over a year. A positive balance reflects the check being honored.
Consumer complaint received 2022-05-25
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. (GA)

Transunion has furnished a credit profile without my verbal or written consent! I have attempted to have this issue resolved several times over the last year and they either have no response or these inaccuracies come back verified which is impossible. I demand that they cease and desist all negative reporting as it is a violation of my consumer rights as well as my right to privacy. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They can not produce a notarized Affidavit or contract signed by me or their senior executive where I gave them permission to furnish or post these negative items on a report. This is IDENTITY THEFT. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) restricts this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. Again this is a violation of my rights to privacy. They also are allowing companies to pull this report without my verbal or written consent. Another VIOLATION Except as provided in section 1681g ( a ) ( 5 ) of this Title, a consumer reporting agency shall NOT furnish to ANY person a record of inquiries in connection with a credit or insurance transaction that is NOT initiated by a consumer ( ME ) At no point did I consent to these companies pulling a report. Please have the following information deleted and removed from my credit file within ( 4 ) business days and send me an updated copy of my credit report reflecting these changes. 

XXXX. XXXX XXXX XXXX - {$270.00} ( PLEASE DELETE ) XXXX XXXX XXXX XXXX ( PLEASE DELETE ) XXXX XXXX  XXXX - {$88.00} ( PLEASE DELETE ) XXXX XXXX XXXX - {$420.00} ( PLEASE DELETE ) INQUIRIES : XXXX  XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX  XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX XXXXXX/XX/XXXX ( PLEASE DELETE ) Thank you so much for your time and attention to this matter.
Consumer complaint received 2017-11-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Adler Wallach & Associates, Inc. (CA)

Date : XX/X/17 Time : XXXX Amount Due : {$470.00} + {$19.00} interest/fees I called to formally dispute a charge. The man asked for my account number which I provided then asked my why I was disputing the charge. I said I have contacted XXXX XXXX and clarified with them that my insurance company is still waiting on medical records from them to process the claim associated with this bill. He then told me that that was not a valid reason and it 's almost been one year since the incident. ( It 's been 9 months in which I have records of consistent communication with the hospital and my insurance company. ) I told him the hospital has told me I am not liable for it while they resolve with insurance. He then told me that he could mark this as disputed but it would still affect my credit score. I told him that was okay then asked if my score will recover after the hospital and insurance company resolve this amongst themselves. He said it depends and I asked if that was all. I said yes but is the formally marked as disputed. He hung of the phone before he answered my question. Now I am unsure if this has correctly been marked or not.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BBVA FINANCIAL CORPORATION (TX)

I XXXX XXXX have an ongoing issue and complaint against the credit reporting of BBVA USA/ Compass bank account # XXXX. The bank has consistently and I think willfully continued to report inaccurate, incomplete and wrong information on my credit reports for the last year. The account has been sold to a 3rd party collection agency ( XXXX XXXX Solutions ) whom I have dealt with months ago yet BBVA will not remove their negative information from my reports. I have tried many, many attempts to resolve this issue with the bank through means of credit bureau disputes ( that go invalidated ) and contacting the bank headquarters directly ( that are ignored ). 
I have many examples of my attempts through documents that I have sent that I kept copies of for my personal records and proof. 

I will list just some of the documents that I have sent them. 
Also I can show just some of the completely inaccurate or false information that they are reporting on my credit. 
The bank refuses to remove the information/account from my credit profile which is causing me tremendous damage and hardship in everyday life. 

Some examples of attempts to rectify the situation. 

1. I have been sending bureau disputes to Transunion, Experian and Equifax almost each month for over a year now with no clear signs of an investigation or validation of facts.

2. I have sent BBVA a cease and desist letter on XX/XX/19 & XX/XX/19 3. I sent a letter of validation directly to the corporate offices on XX/XX/19. 

4. I disputed with Equifax with markups sheet showing all of the errors and requesting deletion on XX/XX/19 All of these have gone unanswered or ignored. I have attached just some of the documents that I have as proof that I have sent over the last year to them.
Consumer complaint received 2017-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IN)

Wrote letter to XXXX XXXX XXXX/XXXX XXXX requesting validation of debt and to provide legal validation as required by my state that I have an account with them or any liability to pay them. I do not have any obligations, contracts, agreements to pay and disputed this debt in its entirety via tracked mail directly to the company and they have provided no response validating my request. However they continue to place miscellaneous balance increases to my XXXX XXXX XXXX reports, XXXX has removed this from my reports as it is clearly a violation to report inaccurate information. This is an attempt to resolve this matter without further harm to my credit file and having to take additional action against XXXX and their illegal reporting practices. the last that I saw in my credit files was an amount of XXXX XXXX  which continuously increases little by little. Upon contacting the listed OC - original creditor I did receive a letter saying it has a 0 balance and has been with another company aside of this XXXX XXXX. it reflects a false balance, it reflects false responsibility, it reflects inaccurate dates which affect the Statute of Limitation of the credit agencies. This should be deleted from my file of XXXX  and XXXX as it is in violation of many reporting laws.
Consumer complaint received 2022-05-25
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. (MS)

I noticed an authorized account that I do not know of on my credit report via Experian. Therefore, I started a dispute with them. I submitted a dispute with Experian on XX/XX/XXXX and was rejected due to a lack of supporting documentation. On XX/XX/XXXX, Experian requested that I upload supporting documents to verify my identity because this is an identity theft case. After countless attempts, I was able to upload the XXXX police report, which specifically stated that my identity was stolen, a copy of my driver 's license, and a bank statement. The company completed the dispute on XX/XX/XXXX, and they will not remove the account, and I wasn't provided with any reasons as to why they rejected my dispute. I contacted the company on XX/XX/XXXX because I wasn't clear on the dispute result and was having concerns related to their investigation. I spoke with a fraud specialist named XXXX, and she wasn't able to provide the investigation result on my dispute as requested. She also stated that " Since Experian is a third party company, the creditor ( XXXX XXXX ) do not have to provide any documentation to prove that it belongs to me so that it stays on my credit report. '' On the other hand, as a consumer, I had to go through hurdles to prove that my identity was stolen and still got rejected from the company without proper explanation. I've requested to speak to XXXX 's manager, XXXX, but she refused to transfer or connect me with him or someone who could help me better. She stated that she would request for her manager, XXXX, to return my call within 24 hours. Until today, no one from Experian has attempted to contact me via the number provided. Experian, however, sent out a generic email as a response without any further explanation as to why my dispute was rejected. My score for the other two credit bureaus is much higher because I do not have any delinquency. Because of Experian, I've lost a job opportunity, and it is preventing me from purchasing property.
Consumer complaint received 2017-11-09
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 — Investigation took more than 30 days
Company: N.A.R., Inc. (NY)

I disputed this account XXXX times with the creditor NAR INC and also specifically requested for validation from the creditor to provide me validation of the account. Validation letters were sent via certified mail and via email to creditor and XXXX XXXX XXXX regarding this matter and failed to respond to me the consumer directly on a timely manner of the XXXX days validation period this must be deleted. The creditor only responded to XXXX XXXX XXXX that the account was validated. How is this possible that an account gets validated without showing any proper documentation to the consumer directly? 
My fair credit reporting act rights are being violated by the creditor NAR INC by not providing validation of the account with the consumer directly.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (NJ)

I contacted creditor and requested assistance given covid related health setback. Creditor refused to offer any XXXX deferral / forbearance option- they merely offered an {$8000.00} lump sum settlement payment. 

On XX/XX/2021, I received an email, again requesting I contact creditor, to discuss payment assistance options, no such options were provided. The creditor refused to discuss the matter and hung up the call. 

I have remained current on all credit obligations prior to my illness, this is the only XXXX company who I contacted that conduct themselves, as the XXXX XXXX XXXX that benefit always at the public 's expense, whenever their insatiable appetite leads the country to the brink of ruination. 

These XXXX have ruined my credit, and caused me XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-11-09
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. (CA)

Experian reports incorrect information. I had an auto loan with XXXX XXXX as of XXXX, XXXX and which was paid off in total as of XXXX, XXXX. Upon my complaint through CFPB, all the three credit reporting institutionsXXXX XXXX, Experian and XXXX did remove the incorrect information and showed that the loan was settled by pay off and account closed in XXXX, XXXX. However, on XXXX XXXX, XXXX, Experian reports a late payment as on XXXX, XXXX yet that account was long closed in XXXX, XXXX XXXX, that I had no finance and/or contractual obligation with XXXX XXXX by that time having closed the account in XXXX, XXXX when XXXX accepted settlement in full from my insurers, warranty and gap which was duly paid as requested and agreed. XXXX XXXX has never issued me a certificate of satisfaction even when requested.
Consumer complaint received 2017-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (VA)

I started the loan in XXXX XXXX with a car purchase price at right around {$21000.00}. I have been paying the loan since then XXXX 5 years XXXX, quite often making late payments but always tried to pay something. The car was repossessed a couple of months ago in which I paid the past due to get possession of my car again just a few days later. It is now XXXX of XXXX and they are saying the pay off of my car is an estimated amount of {$14000.00}, which I have been paying on for 5 years and the original price of the car was under {$21000.00}. So according to them and their pay standards I have only paid {$6000.00} towards the original cost of my car. 
I feel that it 's almost illegal the interest, fee 's and etc. cost I am being charged for this vehicle and believe something can be done about this.