davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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. (CA)

I XXXX XXXX have been trying to work with all three credit bureaus to correct inaccurate information on my credit report for the last 6 months. After consulting an attorney and reading parts of the fair credit reporting act I found out that all three bureaus have broken the law and are in violation of several inaccuracies that are being reported on my credit report. 

The first XXXX is that it has now been way past 6 months and they have not at all tried to correct any errors that I have disputed on my report at all! Also I read that they must temporarily delete any of the items disputed that I have disputed during the investigation and all three of the bureaus never did that in the last XXXX months! 

Also I read the permissible purpose section of the fair credit reporting act and it clearly states that a consumer like myself must first give them permission to furnish anything on my report. Well I never once gave them permission to report any of the disputed accounts. And those accounts have never been verified the proper way like it says it should be per federal law! By investigation my relatives and neighbors and mode of living! 

I believe that these violations are sufficient enough for everything disputed to be taken off of my report or civil action may be necessary. I ask that you please help me enforce my rights as a consumer as well as enforce the three bureaus to follow federal law along with their own policies. Thank you.
Consumer complaint received 2023-07-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (GA)

This company has charged off the original balance of the vehicle of {$27000.00} but yet reporting a past due balance of {$4100.00}. Every month this company is reporting a balance to my credit report of {$4100.00} to a charged off account. I would like the also like the original contract that I signed with this company that is reporting to the credit bureaus.
Consumer complaint received 2019-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX # XXXX is reporting a debt that is in violation of my 30 day right to dispute. I recently called to settle another debt and was NOT informed about this new collection. If I had been I would have settled it. This is erroneous on their end and they are in violation of my 30 day right to dispute.
Consumer complaint received 2022-08-31
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: ID Analytics, Inc. (TX)

XX/XX/2022 submitted complaint because XXXX XXXX provided the 3 credit bureaus with information regarding a bankruptcy it pulled from PACER, a system of record used by the federal government. I did not give XXXX XXXX any permission to report the information and the Court of Record did not instruct them to report the information or validated the information. 

As of XXXX XX/XX/2022, the company is using a stall tactic to delay removing the information stating it could not verify my identity. I am not sending the in as a new investigation. I demand immediate action from XXXX XXXX to clear my report.
Consumer complaint received 2019-11-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America was informed on or about XX/XX/2019 of a Chapter XXXX Bankruptcy. They said that they had received the notification but they continued to charge fees and refused to shut off a debit card attached to a checking account. I told them I did not want Debit Card usage outside of the funds availability in the account but they ignored that claim. On XX/XX/2019 the bankruptcy was discharged by the XXXX XXXX XXXX New York. 

I received notice in the mail that the account was closed with a negative amount of approx : {$220.00}. When I advised them they said that they would continue to collect on this matter, but it was included in a bankruptcy which they ignored. 

It should be noted the bankruptcy was no asset and this matter needs to handled.
Consumer complaint received 2019-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CA)

When I got a XXXX service, they promised a " Credit '' to my balance since I switch to XXXX. 
Every time that I asked to a representative when this credit will be reflecting on my balance or account, they always said the credit will reflect in the next billing cycle. 
That never happened, and when the contract finished, I asked for the credit to pay off the balance, the managers that I spoke to agree to apply that credit to pay off to reduce the balance to {$0.00}. 
Now I found that XXXX placed an account for {$1800.00} dollars to a debt collector named Diversified Consultants , Inc . Here is an unfair marketing practice to get client with false promotions. 
I contacted Diversified Consultants in 2 different times thru regular mail, I asked for the validation of the debt, and itemize stamen of the collection account, a copy of the signed contract and all the charges and payments made in the account, but I never received a response. The real reason of my complaint its to get a validation of the debt since the debt collector is ignoring my letters.
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (SC)

Diverisifed Consultants, XXXX XXXX XXXX, XXXX, FL XXXX XXXX has been destroying my credit and hounding my phone about a debt with XXXX. I informed them I havent had a XXXX account in a very long time as my phone service is thru business accounts. I asked for a deb validation letter. I get the letter and it provides a bill summary with no details and the dates are for XXXX. I know for a fact i did not have service with XXXX in that time period and can prove it. Also I have not lived at the address listed on the bill in over 7 years so I know this is not my debt. I am attaching a copy of the bill that was sent to me and a copy of the letter from debt collector.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MD)

I am writing to file a complaint against Synchrony Bank regarding the handling of my recent payment. On XX/XX/XXXX, I made a {$20000.00} payment through the Synchrony Bank credit card website, and the funds were withdrawn from my XXXX account the following day. However, despite this prompt withdrawal, I discovered on XX/XX/XXXX, that these funds have not been applied to my available credit. 

Upon calling customer service, I was informed by XXXX, a XXXX, that my payment would be held for XXXX  days, with a release date of XX/XX/XXXX. Another representative explained that my " huge '' payment is being held because it exceeds {$7900.00}. I routinely make monthly payments greater than {$8000.00}, so I asked if I should expect all my payments to be held for XXXX days. If there is such a business rule in place, why was I not notified of this hold before making my payment? I only learned of this hold when I noticed my credit limit had not been updated after XXXX days. My requests to release the hold or extend my credit limit were declined. 

I find this XXXX hold without prior notification both unreasonable and unacceptable. Synchrony Bank initiated the payment via XXXX and withdrew the funds promptly, so I do not understand the justification for this lengthy hold. This situation has caused significant inconvenience and feels like an abusive practice towards consumers. 

I initially chose Synchrony Bank due to its partnership with XXXX, with whom I have been a customer since 2001. However, this experience has led me to reconsider my banking relationships. I am now forced to reset all my auto payments and move my business back to Chase, where I have never encountered such issues. 

I urge the Consumer Financial Protection Bureau to investigate this matter and ensure that Synchrony Bank 's practices are in compliance with fair consumer treatment standards. This situation reflects poor business decision-making and a disregard for customer satisfaction. 

Thank you for your attention to this matter.
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (IL)

I reported fraudulent inquiries that where not authorized by me to be removed permanently from Equifax and they refused to do so XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A. (CA)

XX/XX/year> DEPARTMENT OF MOTOR VEHICLES Operations Division XXXX XXXX XXXX XXXX, CA XXXX Dear Dishonored Check Unit : On Tuesday, XX/XX/year>, I renewed my vehicle registration online at XXXX. The amount due was {$180.00} and there were enough funds in my checking account until XX/XX/year>, to cover the fees. It is my belief that my bank and/or the DMV deliberately waited over two months until the fees were not in my account to attempt to process and reject this payment. I need to know from the DMV the exact date and time Citibank purportedly rejected my online payment as Citibank was unable to provide me this information. Additionally, I am requesting a refund in the amount of {$100.00} for the late fees I was charged. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-16
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. (FL)

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2019-02-06
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Some one using my personal information to open an online credit card. 

THIS IS BEEN HAPPENING SINCE XX/XX/2018. 

THERE ARE THERR ONLINE APPLICATIONS. 

WANT SOME ONE TO STOP THIS FRAUD.
Consumer complaint received 2019-11-19
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. (FL)

This is a complaint against XXXX XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, Expedian, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

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. 

Account name : # XXXX XXXX # XXXX Citizens pay credit line XXXX has 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 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.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

under section 1666 of title 15 may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

These late payments are a violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) of the Fair Credit Reporting Act. These late payments are " Billing Errors '' pursuant to 15 U.S. Code 1666b of the Fair Credit Billing Act. These late payments are a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act. These late payments are a violation of 15 U.S. Code 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act.
Consumer complaint received 2017-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (ID)

My current student loans are being serviced by Fedloan. In the last few months I 've had some extra money and figuered I would pay down my loan a little extra. After a few months of doing this, I noticed my payment amount changing which seemed odd, so I looked into what was happening. Instead of applying my extra payments to curent principal after all my interest payments were satisfied, they were applying my payments to " future '' payments. It would seem to me that any interest my loan accrued on an amount that should have gone to principal is fraudlent. It is not a huge sum of money, but they are in effect preventing me from paying down my loan faster. This would seem like its a form of an undisclosed pre-payment penalty and seems like its illegal. I ca n't XXXX any XXXX person has huge damages from this practice, but If they are doing this to anyone looking to pay down there student loans faster, I would bet this adds up to a lot of ill begotten gain.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (SC)

Synchrony and the store cards that use Synchrony are now charging {$1.00} per month for a paper statement. This is outrageous for those that rely on or prefer paper statements. Being forced to receive email statements opens consumers up to excessive missed payments and fees.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I XXXX XXXX have tried multiple times for the past 6 months to dispute some inaccurate information on my credit report with all three credit bureaus and none of have tired to help me with my issue and I am getting completely fed up with it because none of the bureaus are being compliant with federal law or even following their own policies written on their website. 

I talked to an attorney and he said that there are certain laws that the credit reporting agencies have to follow in order to be compliant with federal law. He told me that one of the things they must do when an item is disputed on a credit report is that they must temporarily delete it while it is under investigation and ALL THREE bureaus failed to do that! Not once has anything disputed been deleted during the investigation. Also he said that they must have my permission to report or furnish anything that is on my report, and I never once gave any of the bureaus any permission to report any of the items I have disputed over the past 6 months. In fact I blatantly told them to delete the information. The attorney said the section of federal law that describes this is called permissible purpose He also stated that in order for them to do a proper investigation to my didputes they must inverview my friends neighbors and relatives and well as my mode of living. I asked all of my neighbors if anyone has had any contact with them in regards to my credit report and none of them have heard a thing! 

I was unable to hire the attorney but he did lead me to you the CFPB to help me out with my issues, so I ask that you please help me enforce my rights as a federally protected consumer and as well as to make sure and enforced that the credit bureaus are following federal law as well as their own policies that they have on their own website.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

under section 1666 of title 15 may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
These late payments are a violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) of the Fair Credit Reporting Act. These late payments are " Billing Errors '' pursuant to 15 U.S. Code 1666b of the Fair Credit Billing Act. These late payments are a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act. These late payments are a violation of 15 U.S. Code 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-19
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. (AZ)

Trans Unions is currently reporting an inaccurate amount loan paid as agreed on my credit report. Also, remarks on my Automobile should be : Paid Off not closed. Their inaccurate reporting is negatively affecting my credit score and I am receiving denied credit letters. They deleted the automobile loan from my credit report where they should have modified the amount paid off. Which took my credit score from 700s to the 500s, between XX/XX/2019 XX/XX/2019. 

I've been trying to correct this issue since XX/XX/2019. File #
Consumer complaint received 2024-04-06
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd (WV)

I tried to send {$17.00} to a friend from XXXX and convert it into XXXX Dollars through the Wise money transfer website. They said that my verification failed which was my Drivers License, and have paused the money from reaching said friend but still took the money out of my account. Ive tried to verify myself in other ways but couldnt find any on the site.
Consumer complaint received 2022-08-31
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account 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 account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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. Fraudulent account : 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 XX/XX/2015 Balance : {$0.00} If you feel there is a possibility this account 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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These accounts should not be furnished in my consumer report, as they are in violation under, 15 U.S Code 1681b ( a ), ( c ) ( 2 ). 
XX/XX/23 placed theft alerts w/all three reporting agencies. Contacted agencies to inform of theft alert. 
Filed a theft report w/ XXXX  on XX/XX/23 Unrecognizable accounts with excessive amounts : {$18000.00} - {$3000.00}. 
Unauthorized use of information.