davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

Hello, and thank you for taking the opportunity to help out with my concern. 

I wanted to please reach out regarding an incident where Discover potentially may have mistakenly reported me late by accident. 

When I logged in to make a payment on my Discover card, I was offered a payment plan that I would lower my interest rate and decided to naturally take advantage of it to lower my payments. 

A promise to lower my payments, as well as give me a lower interest rate plus allowing me to still have the card open an active allowing me to spend if needed. 

When I set up the installment plan, it would not allow me to modify anything beyond that. I was unable to add the payments that I am familiar with to update it to the correct checking account. 

I attempted to rectify the situation by modifying the bank account however because it was a schedule payment under that special financial plan it did not allow me to modify the banking details. 

Instead, when the payment was rejected, I had already processed the payment the same day to bring the account current as I have never been late before. 

When Discover proposed the payment plan, I was trying to make a payment earlier on to bring the account current. However, when the payment plan was set up, Discover did not allow me to make modifications, and instead bundled both the past due, and the bundled payment for the plan together, and when that payment was rejected, I was reported late, which is completely unfair.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

XXXX  XXXX  has reported a balance on my credit report that I had almost 14 years ago my new account has been closed the credit card that was 14 years ago was filed inside a bankruptcy that they are trying to collect on they froze my account couldn't make payments so I received late pays on my credit that took a big hit in my credit. I will be taking a class action lawsuit if this isn't resolved
Consumer complaint received 2019-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (VA)

I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.
Consumer complaint received 2019-07-15
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: Navient Solutions, LLC. (GA)

The following Corporations : Sallie Mae, XXXX XXXX XXXX, Navient Corporation, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX DEPARTMENT OF EDUCATION/SALLIE MAE XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Sallie Mae and XXXX XXXX have sent inquiry letters, my response to there letters were affidavits of fact dated XX/XX/2019 for which no response was received rebutting any of the affidavits, there for falling into default judgment dated XX/XX/2019 for all affidavits received via Certified Mail See Attachments. Under United States Code 12 USC 73 Oath the bankers affiliated with these Corporations Chief Financial Officers have violated their Oath 's of Office. They have hypothecated and/or pledge as security on loans and debts. Also under Title 12 United States Codes 12 USC 411 Issuance to reserve banks ; nature of obligation ; redemption. Debt is the Obligation of the United States. Under the Truth in Lending Act Regulation " Z '' human beings can not be financial institutions and as a " Person '' which is defined as a corporation under Title 28 Section 3002 ( 15 ) ( A ). I am a sentient living woman I can not be a corporation as defined above in ALL CAPITALS LETTERS. The XXXX XXXX, Artificial Person, or 'Straw-Man ' is not who I am. This leads into a false claim under Title 31 USC 3729 False Claims. The amounts allegedly claimed owed from each corporation is as  follows : XXXX XXXX amount allegedly owed {$260.00} ; XXXX XXXX XXXX amount allegedly owed {$5800.00} and {$3700.00} ; XXXX XXXX XXXX amount allegedly owed {$310.00} ; Department of Education/Sallie Mae allegedly owed {$4100.00}, {$6600.00}, {$11000.00}, {$4500.00}, {$8500.00}, {$8500.00}, {$12000.00}, {$4400.00}, {$12000.00}, {$3300.00}, {$2800.00}, {$10000.00}, and {$5600.00} ; XXXX XXXX  XXXX amount allegedly owed {$850.00} ; XXXX XXXX XXXX XXXX amount allegedly owed {$0.00} ; Navient Corporation amount allegedly owed {$5600.00}, {$2800.00}, {$3300.00}, {$8500.00}, {$10000.00}, {$6600.00}, {$8500.00}, {$12000.00}, {$4100.00}, {$4500.00}, {$8500.00}, {$12000.00}, {$6600.00}, {$2800.00}, {$3300.00}, {$10000.00}, {$8500.00}, {$12000.00}, {$8500.00}, {$20000.00}, {$5600.00}, and {$20000.00} ; XXXXXXXX XXXX XXXX amount allegedly owed {$870.00} ; Sallie Mae Amount Allegedly owed {$8700.00} please see attached documents and inquiry letters. This is Identity theft, and fraud.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

BANKRUPTCY LETTER Your Name - XXXX XXXX XXXX Your Address- XXXX XXXX XXXX XXXX XXXX XXXX City, State , Zip code XXXXXXXX XXXX XXXXXXXX Receiver Name - Experian Receiver Name XXXX To whom it may concern, I am contacting you because you have a bankruptcy reporting on my consumer report that is not accurate and has not been validated. 
According to the FCRA If the credit reporting agency can not validate with the ORIGINAL CREDITOR the information must be removed from my consumer file. 
you are saying that the US bankruptcy courts are the furnisher of this information but the bankruptcy courts do not report to any credit reporting agency and XXXX XXXX has provided me with documentation that they could not validate this public record information. You are also false and misleading by stating that the furnisher of this bankruptcy is the U.S. Courts
Consumer complaint received 2019-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f  ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MI)

Initial letter to denial for line of credit sent on XX/XX/XXXX : I am writing in response to your decline of my application for a SYNCB Electronics Online account. The refusal explanation letter is dated XX/XX/XXXX the request occurred around XX/XX/XXXX. The reason stated was insufficient or lack of credit history. 
The letter stated that this was based on credit reporting from XXXX  Credit Info Se and XXXX. 
My XXXX  credit score as of XX/XX/XXXX is XXXX. Total lines of credit 11. Credit utilization 2 %. 
My XXXX  credit score as of XX/XX/XXXX is XXXX. Total open accounts 10. Credit utilization 1 %. 
This is very disappointing and very difficult to comprehend that you would restrict my ability to get the immediate savings on my {$2000.00} purchase ( that required your credit card ) based on somehow not approving my application based on my credit reports. 
Based on my rights under the Fair Credit Reporting Act I am requesting further explanation regarding why my application was denied. The reason given in your XX/XX/XXXX letter does not appear valid. 

Response from Synchrony Bank received on XX/XX/XXXX : Thank you for your request for a second review of your SYNCB Electronics online application. We remain unable to provide any further details regarding the reasons why the application was declined and are unable to approve your credit request.
Consumer complaint received 2019-07-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (NJ)

I deposited a check on XX/XX/19 in the amount of {$4900.00} and it cleared without issue. The bank can not reverse it at all. By law the checks take 2-3 days to clear. But on XX/XX/19 my account was in overdraft by that amount. My bank uncleared the check for no reason and without warning. I filed a complaint, tried to follow up with the bank, and the sender, and got no real answer. I have proof of the check clearing on XXXX in my statements, so I do not understand why this is happening to me. 

In a response from Wells Fargo they basically say nothing. Why did they clear the funds? And more importantly, once the check cleared it was my money and they can not confiscate this money without due process ( i.e., a court order ). Just saying the other bank asked for the money means nothing and it is my right to sue them for this. They are taking my money away without due course and I will be seeking legal remedy. 

Furthermore, I demand my money back. An explanation of what happened and why is not sufficient after this gross injustice. The whole point of having a bank account is knowing that my money is safe, not to wake up one day with an insufficient funds notice because one or more banks decided to unclear a check after three months. 

Additionally, on XX/XX/19 I was told by a customer service rep ( XXXX ) over the phone that the check would be returned to me because I hadn't endorsed it. I thought it was illegal to clear and unclear checks like this. They can not take away the money that belongs to me after funds are credited to my account- at that point that is my possession ). 

To conclude, Wells Fargo describing this happened does not clear the issue. They took my money away based on a no reason given issuer bank demand - that is ( at least to me ) a violation of Federal clearing laws - all check clearing related matters are governed by Regulation CC which prescribes the rules for this under the law : under Expeditious return of checks. ( which gives 2 business days to return a check ) and Notice of nonpayment ( which also asks for two days limit for such notice that notice can be via returned check, a writing ( including a copy of the check ), or telephone.
Consumer complaint received 2019-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I have been having issues with Companies trying to garnish my wages for someone else information appearing on my credit report. Please remove the following addresses they are not mine!! XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2024-06-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Hi, there! 
how are you? 
My problem with the XXXX XXXX department is the monthly payment mostly. It's a pre-owned XXXX XXXX XXXX off road//. Briefly, the retail price is {$41000.00}, XXXX terms, and I paid a {$3000.00} downpayment in cash, this transaction was made in XX/XX/XXXX. It's been two years now, every time I try to re-financing the vehicle will be told by them or banker in other bank that my currently rate is quite low and reasonable enough. Therefore, there is no room for me to bring down the $ 824 monthly payment. Truly, this is the point definitely XXXX me off. I clearly remember that the day before I sign up the contract, the salesman told me that my rate is 7.89 % like so that after get a loan {$41000.00} from them in XXXX terms, my monthly payment goes to {$820.00}. Back then, I told them it's too high for me to afford it, and they firmly tell me that I can re-financing the car after half year later. However, I try my best to make payment on time over 2 years now, and it never has possibility for me to lower my payment. Why? after a deep analyze on this case from the beginning till now, I start to realize that the entire buying experience is a setup trap like. XXXX  XXXX, they calculated my monthly rate based on the high APR, XXXX % but in their app the fixed rate is 5.86 %. I had done a math with the online vehicle calculator, and the result is {$720.00} based on these basic values. XXXX  XXXX, on their app, it shows I still have {$30000.00} remaining balance left so far, but the total terms still have XXXX. In the past two years, the total money I had paid is {$26000.00} like. Isn't it looks weird? Suppose I keep making the {$820.00} next, here, divide {$30000.00} by {$820.00}, the total left terms should be XXXX, not XXXX left on the app. Overall, it has too many places really confused me from then till now, and I was trying to stop paying, but I soon after realize that not the best way to defend my legal right. The end, FOR BETTER KNOWING THE DETAILS OF MY CASE, pls take a close look on the contract I upload and investigate on it for me ASAP. 

Bow down in advance! 

XXXX XXXX ( XXXX XXXX )
Consumer complaint received 2019-12-10
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: ONEMAIN FINANCE CORPORATION (LA)

I filed bankruptcy in XXXX of XXXX XXXX XX/XX/2019 why is onemain still on my credit report when l include them in my bankruptcy.they already mailed my title to vehicle.
Consumer complaint received 2019-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not. 

XXXX XXXX XXXX XXXX - XXXX - {$29000.00}
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

- XXXX XXXX, 2024 Account Opened, Used the promo code XXXX  - XXXX XXXX, 2024 : Direct Deposit from payroll over {$2000.00} minimum in promotion requirements posts - XXXX XXXX 2024 : Call in to BoA, representative says to wait the full XXXX  days in the terms. Says there is no way to confirm if promotion is attached - XXXX XXXX, 2024 : Past the XXXX day mark. Call in, representative redirects to XXXX XXXX (? ) Second rep says will call back to number for verification, after confirming the correct number. Never receive a call back. 

Also would like to note how actively hostile Bank of America 's phone tree is to the consumer. Prompts fundamentally do not work if outside of an absurdly narrow set of options that can easily be done online, and will simply repeat itself when another option for help is requested. It is a frustrating and borderline unusable system that seems to have the goal of preventing any customer from getting help. From this experience, even once you are able to reach a representative, they appear uninterested in helping you, resulting in a need to call again and again. It should not be this hard to access basic service.
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (MD)

It has been a battle going through and I am writing to remove the following fraudulent items in my file. The items I need removed are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted 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 Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with any items listed below showing on my credit report. I, therefore, request that you immediately removal of these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6300.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; DP OF EDUC XXXX Balance Owed : {$5100.00} ; DP OF EDUC XXXX Balance Owed : {$5100.00}
Consumer complaint received 2019-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (PA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX I filed a complaint XXXX with the CFPB. In the complaint I stated : I have reached out to Transunion as well as XXXX XXXX on numerous occassions in reference to the fact they are reporting inaccurate information on my credit report. According to The Fair Credit Reporting Act ( FCRA ) all information should be 100 % accurate. My XXXX XXXX account state XX/XX/XXXX ( ok ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). This is a violation of The Fair Credit Reporting Act as this information is inaccurate. Transunion and XXXX both have violated my rights stating the account has been verified as accurate as shown the the multiple reports I have received from Transunion. The Fair Credit Reporting Act requires the account to show 30 days, 60 days, 90 days and 120 days if an account is in fact late which I wasnt on this account. I included supporting documents with that complaint which I am includin again. 

According to the CFPB the complaint was sent to Transunion on XXXX. The Fair Credit Reporting Act states investigations must be completed in 30 days. Failure to complete the investigation requires Transunion to delete the item in question. On XXXX Transunion posted a response to the complaint. This is a direct violation of my protected rights. I am including a copy of the complaint named Complaint Detail XXXX filed with the CFPB to support when Transunion responded.
Consumer complaint received 2019-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2019-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.