davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) 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 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-10-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX I demand this account is deleted immediately for violating FCRA 15 U.S. Code 1681a ( 2 ) b Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit. 

I disputed this account over 45 days ago never received and notice of the investigation and its currently an FCRA violation I demand this account is deleted immediately.
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (MD)

In XX/XX/XXXX I was approved for a XXXX XXXX Mastercard with a credit limit of {$300.00}. It is a private-label credit card through Genesis Financial Solutions dba Genesis FS Card Services . The issuing bank is XXXX XXXX XXXX Beginning in XX/XX/XXXX I encountered difficulty in making my minimum monthly credit card payments due to unemployment as a result of the COVID19 pandemic. To date I have been charged {$480.00} in fees and total interest of {$120.00}. I requested that the account be closed in XX/XX/XXXX due to the highly excessive fees. My most recent statement shows that I have a {$0.00} past due amount, an over limit amount of {$100.00} with a minimum payment due of {$140.00} on XX/XX/XXXX. Yet, I was charged a late payment fee of {$38.00} for failing to make a minimum payment of {$270.00} on XX/XX/XXXX. Instead, I made a payment of {$170.00}. This is at the center of my dispute with Genesis FS Card Services. In prior conversations with customer service representatives I noted my disappointment with the minimum payment structure for the card in relation to other credit cards I have through XXXX  XXXX, XXXX XXXX, XXXX, etc. I have a stellar payment history and positive credit reporting through those issuers. However, that is not the case with Genesis FS Card Services. It appears that Genesis FS Card Services includes the over limit amount in the " minimum '' payment structure which can be heavy. For example, my XXXX statement reflects that I had a minimum payment due of {$650.00}. This included a past due amount of {$180.00} and an over limit amount of {$590.00}. In addition I as assessed a Penalty APR of $ 29.99 % for failing to make a monthly minimum payment within 60 days of my payment due date. It is unreasonable to expect a consumer to make a {$650.00} minimum payment. Due to my unemployment status I have been paying down my balance at a reasonable level and to prevent further harm to my credit reporting ( payment history ). Genesis FS Card Services did not and has not offered a modified payment structure for customers impacted by COVID19.
Consumer complaint received 2023-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I see that these accounts has charged off status and yet there is a past due balance on your report, do you know it is a violation? I urge your agency to re investigate this account and ensure that correct fair and complete reporting is given. I don't believe the status of this account is accurate either. Delete it due to multiple violation. 

Charged Off accounts : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I requested Bank of America to reduce my credit card interest rates, pointing out I'd made regular, timely payments for many months. My request was refused. This means I pay interest just short of 30 %, a usurious rate that means paying off my debts is nearly impossible, especially during the current epidemic.
Consumer complaint received 2020-04-10
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)

Theses companies need to do there due Diligence on how they allow People to Commit fraudulent Crimes using people personal Information. 
because someone got a hold of my personal Information. I am Now a victim of Identity Theft. I Did not give anyone Permission to Open these Accounts
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I contacted Paypal in XXXX to ask for a payment extension because I was not working due to COVID 19, instead the representative insisted that I enroll into a payment arrangement that would lower my payments and will stop them from reporting late on my credit report. 
I agreed to the arrangement, but that was not what happened. 

I made a payment and was told that all is well and that I should continue to make regular {$40.00} payments for 6 months. 

On XX/XX/XXXX I spoke with a Paypal representative to make a payment, but their systems were down. I attempted to logon to my online portal to make the payment but was unable to do so, which has been happening to me for months. When I request assuistance with accessing my account, an agent is never available to chat with me and getting a phone number to speak with someone is almost impossible. I was finally able to make a payment a week later, which at this time, Paypal had already reported my account late. I spoke with a supervisor and was told that although their systems were down, it was my responsiblity to continue tro contact them to make the payment. I did that and was unsuccessful and thus Paypal decided to report me late twice for an issue that was their fault. I did what I was supposed to do and they were unable to assist me at the time I was making the payment, which was on a Saturday. When I was able to make a payment, it takes days for the payments to post, again causing me to appear " late ''
Consumer complaint received 2020-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (VA)

I have a Federal direct consolidation loan serviced by Nelnet with account number XXXX. On XX/XX/2020 I received a letter from Nelnet updating me as to Nelnet implementing the CARES Act requirements regarding the reduction of Federal loans such as mine to 0 % and the forbearance of such payments. 

The balance on my account yesterday, XX/XX/2020, was {$190000.00} and today, XX/XX/2020, it is {$190000.00}, representing the normal accumulation of interest on my loan ( {$29.00} 1-day difference ) as if the CARES Act 0 % interest cap was not applied. They have appropriately implemented the payment forbearance, with my monthly payment auto-debit showing on my account now as being 6-months in the future, making me concerned therefore why the 0 % interest cap has not also been implemented on the loan. 

This is illegal interest and I request Nelnet immediately halt the interest accumulation and retroactively apply interest credit to cancel the interest that has accumulated on my loan since XX/XX/XXXX in accordance with U.S. law. I have messaged their customer service several times over the past month regarding timeline as to when they will be implementing said interest reduction and they are unresponsive and which is why now I am seeking the CFPB as an intermediary.
Consumer complaint received 2020-04-10
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

see attatched XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX {$470.00} Confirms All USAA Temporary Credits at beginning of investigation MUST BE MADE PERMANET UPON COMPLETION OF INVESTIGATION. The above isuue took a Year XX/XX/XXXX TO XX/XX/XXXX to Complete this investigation to MAKE TEMPORARY CREDITS PERMANET. see attatched XX/XX/XXXX statement of Beginning Temporary Fraud Investigation Credits XXXX & XXXX XXXX. LISTED AS ADJUSTMENT PURCHASES TOTAL {$1.00}, XXXX. XXXX WHY ARE THESE with cute little minus signs?? XXXX NOT INCLUDED IN THE TOTAL CREDITS LINE JUST UNDERNEATH THEM.?? XXXX MAKING THEM APPEAR. ( ** AS IF** ) THEY TOTAL ON TOTAL LINE AS ALL MATH?? Kindly Note. ALL USAA FRAUD CREDITS ARE HIDDEN INTERNALLY. USAA CONFIRMS WITH STATEMENT XX/XX/XXXX {$1.00}, XXXX ADJUSTMENT PURCHASES TEMPORARY CREDITS JUST PLACED TO BEGIN INVESTIGATION ** NEVER MADE PERMANET. USAA OWES ME {$470.00} FOR XX/XX/XXXX & {$1700.00} FOR XX/XX/XXXX UNAUTHORIZED REPORTED TO BEGIN AN INVESTIGATION NEVER COMPLETED.
Consumer complaint received 2021-10-20
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: EQUIFAX, INC. (NY)

: I recently reviewed my credit profile and noticed inaccuracies and false accusations. It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. Drawing from my research and complete comprehension You nor any entity is permitted to keep any noncompliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426-character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion has been furnishing information on my credit file and credit report without my consent. i have never sent or give any written instruction to Transunion consenting on reporting any information or data to my credit report and credit file. That is a violation pursuant to 15 U.S.C. 1681b Permissible purposes of consumer reports. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Refused to give me credit for online charges made with my XXXX Debit card. They said the merchant verified the personal information so they ruled all of them valid. I called several times asking for a copy of the detailed report of their findings for their decision. They refuse to give me any info about their investigation. They told me to call the Merchant myself. I called the Merchants and most of them had the EXACT SAME ANSWERING SERVICE SAYING THE SAME THING and I was on hold for over 10 min but never spoke to anyone. I looked up each site there is no other number for me to call. I keep asking for a detailed report on what they actually did but they refused to send me one. They treated me like I was the criminal and i had to prove I was write. They didn't talk to anyone to confirm the information. If the bank actually did call the Merchant they should have asked for a copy of a receipt, a confirmation #, a txt or email confirming the order, recorded conversation confirming the order, if the call was made online with a computer or cell phone if so got the IP address to see the location the purchase was made from. The bank said the merchant gave them my name, address, card # and SSS #. I explained that that information can be obtained many different deceiptful ways like surveys, missleading winnings these always ask for your email, phone # and address and eventually they want you to complete certain levels in order to receive your prize and only pay the shipping and handeling and how do you pay that? With your credit card. They don't need your SS # to make online purchases. I esculated the calls as far as the Claims Manager. When I asked for his supervisor he told me he didn't have one and then wouldn't give me a phone # to call to complain or an address.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/21 I sent a letter to Experian to remove an address that is not accurate. 

They replied via email of the dispute. 

They have not removed the inaccurate address on my credit report as to date and they have not responded accordingly to remove the inaccuracy. 

I do not live at that address and have never lived at the address. 

I sent a second letter on XX/XX/21 regarding the failure to remove the inaccurate address. 

And notified them that I would contact the FTC.
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST (IA)

My debit card was compromised and there was 27 charges in the amount of XXXX for XXXX on XX/XX/XXXX I contacted my bank and apple on XX/XX/XXXX to report the fraud before the charges have processed. XXXX could not or would not reverse the charges, and my bank would not file a fraud report until the fraudulent charges had processed. 

I filed a claim after the charges have cleared my bank, the funds remains unavailable to me and I was told it could take up to 10 days for the claim. The bank is not moving any faster on this even given the significant amount. If I didn't have an emergency fund in savings I would be in trouble.
Consumer complaint received 2020-04-10
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. (TX)

ACCOUNTS THAT I COULD NOT ADD : XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX FTC ATTACHED The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking ... The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade  Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ...
Consumer complaint received 2020-04-10
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)

ACCOUNTS THAT I COULD NOT ADD : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX FTC ATTACHED The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 
Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking ...

The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions.

The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. 



The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ...
Consumer complaint received 2019-12-17
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. (FL)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX. ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE REMOVE OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE BOTH NEGATIVE ACCOUNTS FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE NOR SUCCESS FROM EITHER OF THE BUREAUS. I DON'T UNDERSTAND WHY THESE ACCOUNTS ARE STILL REPORTING, IF THE ACCOUNTS AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THOSE ACCOUNTS IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNTS REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.