davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
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. (AL)

This being my last result before the court system is involved. I demand that the following inaccuracies be removed and or corrected on my consumer report. I had no idea that the credit reporting agencies were actually acting in a manner that I did not authorize or give my consent. Pursuant 115 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require everything listed in this complaint is removed/deleted/corrected immediately. This is my complaint and I have completed this on my own for myself. 
XXXX XXXX, XXXX XXXX ( late payment XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX late payment ), XXXX XXXX XXXX, AL XXXX ( remove address ), remove all of the following unauthorized hard inquiries XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
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. (AL)

XXXX FORMELY XXXX XXXX The last past payment reported on my consumer report with this account is incorrect. 

Ive notified Transunion of this via : certified mail. 

( Attached ) Circling the inaccuracies. They have ignored my dispute changing nothing. 

( Note : this is my XXXX dispute ) I have attached my credit report, it shows a last payment of XX/XX/XXXX. That is incorrect. 

In fact, the accounts historical trended data shows a last payment made XX/XX/XXXX ( attached ) How could there be two LAST payments? 

This is reflecting an incorrect month and year the account would remove from my report. 

As the FCRA states I ask that this account is complete, timely and accurate if it is reporting to my consumer report. If not, remove it in completely.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (FL)

I in good faith and standing decided to entrust my hard earn funds to Venmo by having direct deposit setup through my employer. So Venmo decides to close my account saying that they notice some suspicious activity in the account I used for direct deposit. So they automatically suspended the account with out giving me an details as to why. They told me the funds which are XXXX would be held in the account for XXXX months or XXXX days. Now the XXXX  day mark was XX/XX/XXXX. I have yet to receive my funds. I kept calling and kept emailing them. All they did was give me excuses after excuse. Never made good on their promise that the funds would be released before or on XX/XX/XXXX. Now all of a sudden they claim I owe them money. I'm tired of Venmo an I want all of my funds that I asked for and that I'm owed inside that closed account asap. Because of this I wasn't able to pay certain bills or get things for my kids for XXXX last year. Never used Venmo they are crooks.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Security Credit Services, LLC (WI)

I am writing to lodge a formal complaint against XXXX regarding the mishandling of a collection account associated with Security Credit Services, Account # XXXX, which has resulted in multiple violations of federal laws governing consumer credit reporting and debt collection practices. 

Failure to Provide Validation ( Violation of FCRA Section 611 ) : Despite my request, XXXX has neglected to provide adequate validation of the collection account in question, as required by the Fair Credit Reporting Act ( FCRA ) Section 611. This provision mandates that credit reporting agencies must conduct a reasonable investigation and provide verification of disputed information within 30 days. XXXX 's failure to fulfill this obligation constitutes a clear violation of my rights as a consumer under the FCRA. 

Duplicate Reporting ( Violation of FCRA Section 623 ) : XXXX has reported the same collection account twice on my credit report, thereby violating the accuracy and integrity standards set forth in the FCRA Section 623. This provision stipulates that consumer reporting agencies must ensure the maximum possible accuracy of the information provided in consumer reports. XXXX 's duplication of the collection account not only misleads creditors and lenders but also harms my creditworthiness and financial standing. 

Unauthorized Reporting ( Violation of FCRA Sections 604 and 607, FDCPA Section 807 ) : XXXX added the collection account to my credit profile without obtaining my express written or verbal permission, nor did they receive information from a court or government agency, as required by the FCRA Sections 604 and 607. Additionally, this action violates the Fair Debt Collection Practices Act ( FDCPA ) Section 807, which prohibits debt collectors from making false or misleading representations in connection with the collection of any debt. XXXX 's unauthorized reporting of the collection account constitutes a blatant violation of these provisions and undermines the integrity of the credit reporting system. 

Willful Noncompliance ( Violation of FCRA Section 616 ) : XXXX 's repeated failure to comply with the FCRA 's requirements, despite being aware of its obligations, may be considered willful noncompliance under FCRA Section 616. This provision allows for civil penalties to be imposed on credit reporting agencies that willfully fail to comply with the FCRA 's provisions, further underscoring the seriousness of XXXX 's actions.
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NJ)

I was behind one payment for a Discover credit card due to illness/accident. I spoke with several Account managers and in the course of conversation each disconnected the call. I finally reached a manager who stated there were several option which would be available to me. I chose an option which would decrease the interest rate to 09 %, pat {$38.00} per month. Late fees are suppressed and the credit card will REMAIN THE SAME.I accepted this program and was paying monthly to commence on XXXX XXXX, 2022. I have the information in writing. When starting the program, I was now informed that the credit card will be immediately " REVOKED ". This whole scenario was DECEPTIVE & FRAUDULENT!!!! This appears to obtain monies from me for future payments under false pretenses. I am a XXXX XXXX, XXXX. Discover Card reps. acted in a most deceitful manner which is a very unprofessional manner, and Discover Card Corp. should be punished as deemed by the U.S. Government.
Consumer complaint received 2022-08-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (MO)

Hello, On XX/XX/XXXX two transactions in the amount of XXXX were taken out of my account. I was a victim of XXXX fraud where they called from USBank number. The representative stated he was from US Bank and there was a fraud on my account in XXXX and they needed to investigate. I was leary so he transferred me to a supervisor who advised me of same thing. They hacked my account and took XXXX from me! Once I refreshed my account I heard a laugh and they hung up. I called US Bank back immediately to file a claim. I waited 10 business days, got sent to different departments, got false hopes. So today XX/XX/XXXX called and got the most dryest insensitive rep who bluntly said claims were denied we dont support scams. I asked her about Regulation E, she says what about it? She basically told me I should have read the top of the screen where it says we would never ask for money. I hung up. I emailed and wrote XXXX today the CEO. As a former US Bank employee this is disheartening that US Bank not only doesnt care about their employees but their customers as well.
Consumer complaint received 2021-06-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (RI)

In XXXX 2021, I already tried several calls with this company, Toyota Financial, and I told them they have the wrong number! They confirmed that they do have the wrong number and that they will not call me again. However, they still tried to call me every single day, and I reported to CFPB in the same month ( COMPLAINT ID XXXX ). Everything went well and they ensure that this won't happen again. 
Recently, I am again receiving several calls from them again, with a different number, ( XXXX ) XXXX, I really have no idea what I should do to avoid this from happening again and again. They have the wrong number on their file!!!! I do not have any vehicles and I froze all my SSN so no one should be able to use my SSN to apply for loans .... 
They have to remove my number from their file and STOP CALLING!
Consumer complaint received 2024-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

I went to court on this same debt from Jefferson capital from XX/XX/XXXX till XX/XX/XXXX went to court in XXXX Ohio the judge favored on my behalf and close the case and released all my money that was being held at the court. I had my lawyer amd they had theres my lawyer was XXXX XXXX XXXX amd there lawyer was XXXX XXXX XXXX it was said to be identity theft cuz when the case was open for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Now Jefferson capital are sending me letters again. When I call them they dont know any thing about it. This is been going on since like XXXX to XXXX.
Consumer complaint received 2023-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

Since student loan repayments started in XXXX, Nelnet has repeatedly failed to process my automatic debit payments the setup for which Ive received email confirmation creating a situation where my credit score could be affected by unpaid, past due payments. Nelnet claims that insufficient funds are the reason the payments havent been processed, but that is not true my account has more than enough to cover these payments.
Consumer complaint received 2022-02-23
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. (VA)

XXXX XXXX. account closed as of XX/XX/XXXX. Account paid in full, closed, never late. As a consumer i demand this account be delated from my record. Per FCRA and CFPB rules consumer demands this account be deleted from record since it as met 7yr requirement. Since this account is not connected to bankruptcy there's no need to meet 10yr requirement. 
XXXX XXXX. Account paid in full, never late/closed. Account closed XXXX. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
XXXX XXXX XXXXXXXX. Account paid in full, never late & closed. Account closed XX/XX/XXXX. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
XXXX XXXX XXXXXXXX. Account paid in full, never late & closed. Account closed XX/XX/XXXX. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy.
Consumer complaint received 2022-02-23
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Last week I applied for a capital one quicksilver credit card after receiving at least 20 advertisement mail forms stating I can get approved for their credit card. I proceeded to go online and filed, got approved immediately for XXXX and the following day they called me. They called me asking for more information, my social security card and ID and mailing address verification. They sent me a link to my email so I gave them my info. They called me the next day saying they need more information and that the mailing verification I sent was wrong but it wasnt, it was my name and address with my insurance company bill on it. I sent them a utility bill and they called back saying that was incorrect I ended up asking one of the guys I was talking to if this was a scam, he was silent for at least 20 seconds then said yes in a smiriking manner than proceeded to ask for more info I hung up. I looked up the phone number for capital one on XXXX and it gave me a different number. I spoke to a new guy and he seen my account and everything seemed normal I asked him if this was a scam he said no, I asked him to close my account I dont want this he said he did and that the confirmation will come in the mail in 7 days I asked for a email confirmation he said they cant do that. I then called all 3 credit bureaus and froze all my credit accounts! I am now wanting this CAPITAL ONE hard inquiry removed from my account knowing now that is was a scam and dont want this negatively impacting my future with my credit, thanks- XXXX XXXX
Consumer complaint received 2021-08-27
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: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

HSBC IS APPLYING CREDITS FROM MY ACTIVE CARD TO A CLOSED ACCOUNT. THEY FIRST OF ALL CHARGED ME {$79.00} ON TWO DIFFERENT INSTANCES OF {$39.00}, ONCE ON XXXXAND AGAIN ON XX/XX/20. I ASKED THEM TO APPLY TO APPLY TO AS A CREDIT ON THE ACTIVE CARD THAT ENDS IN XXXX. INSTEAD THEY APPLIED TO ACCOUNT THAT IS CLOSED THAT ENDS IN XXXX, I WANT THE {$79.00} APPLIED ON NEW CARD ( XXXX ) AS A CREDIT OR SEND ME A CHECK
Consumer complaint received 2023-03-26
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: ALLY FINANCIAL INC. (TN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USX 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-14
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. (CA)

n accordance with the fair credit reporting act XXXX  account # XXXX has violated my right 15 U.S.C 1681 section 602 A states i have rhe right for privacy 15 U.S.C 1681 604 section A section 2 ; it also states a consumer reporting agency can not furnish account without my written instruction
Consumer complaint received 2018-07-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (SC)

I currently have an auto loan with XXXX XXXX. I am currently 2 months behind on my payments as I have had a change in income and have been struggling. I am no longer working and have XXXX small children, also my husband is the only one working and is a XXXX veteran. I have contacted XXXX XXXX to make payment arrangements or see if there are any other options for me at this time so that I may get back on track with my loan to avoid repo of the vehicle. They have told me there is nothing that they can do for me at this time. They can make payment arrangements but the amount is still high and I am not able to pay it. I have tried a number of times to refinance the vehicle and no one will refinance due to owing more then the vehicle is worth or because the company is XXXX XXXX that the original loan is with. I am trying to work with XXXX to avoid anything further action, but they are not willing to help me out. They told me on XX/XX/2018 that I could have gotten a 6 month modification on my loan but that would have been only if I had a deferment available on the account. I was NEVER previously told this information or I would have done this for sure. They held this option from me and now I am suffering from this. I need help and I have tried to work with XXXX XXXX and they are just not willing to work with my as a customer. I will never get a loan with them again. I live every day with the fear and anxiety, stress that my vehicle that I take my kids to doctors appt and ext will be gone when I wake up and we will have no transportation.
Consumer complaint received 2022-04-14
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. (OK)

This letter is the second formal complaint that you are reporting inaccurate credit information. I disputed the account on XX/XX/2022. I have not received a response and you are in noncompliance with the FCRA.

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a Home loan to refinance, which was highly embarrassing, has negatively impacted my lifestyle, as well as is now depleting my personal finances. Time is running out.
Consumer complaint received 2018-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was the victim of grand larceny by false pretenses ( DA XXXX Country Criminal Complaint #  XXXX XXXX XXXX, Chief of Criminal Complaint Unit XXXX ). On XX/XX/XXXX I transferred {$9000.00} - all the money I have - from my Chase Bank account in XXXX XXXX, California to a Chase Bank account in XXXX County, New York. I realized it was a scam and called Chase Fraud Division at XXXX XXXX  EST XX/XX/XXXX, when the funds were in the beneficiaries account but had not been withdrawn. ( Chase Fraud Prevention Department XXXX XXXX x XXXX Case No XXXX. ) I have been in daily contact with XXXX and they have told me daily the recall is in process but they needed to contact the beneficiaries on the account to ask them to send back the funds to me. Legally this was the procedure they had to follow. 

Today, on XX/XX/XXXX, I called Chase Fraud Department and was told that the beneficiary had contacted XXXX on XX/XX/XXXX, after 10 days of Chase leaving messages and sending demand letters for them ( a female and a male are account holders ) to contact the bank. She apparently told them that she would think about authorizing the funds to be returned to me. Then the male holder of the account called back to say they would not authorize the return of funds. I am now assuming, even with all evidence of fraud, that Chase is releasing the funds to these people who are under criminal investigation. 

Chase claimed that they are no exceptions to this rule that the funds can only be returned with permission of the account beneficiary. However, there are exceptions when a wire transfer can be reversed, in the event of a fraud or erroneous wire transfer, and provided the money on the recipient side has not been disbursed. This money was not disbursed before Chase was made fully aware that this was fraud. I called Chase Fraud Investigation Dept on XX/XX/XXXX before the recipients has a chance to remove the money. They have known this is a case of fraud for 10 days. On the day XX/XX/XXXX that the beneficiaries made contact with the bank, so did XXXX County DAs Office contact Chase Fraud Division and inform them they were starting an investigation and subpoenaed the account holders bank statements for the past 6 months. 

Chase writes that In this case, both the banks would have to agree that the transaction was a fraudulent ( or in error ) and it will be reversed, minus any charges, etc. that may have occurred on the transaction network ( e.g. XXXX, etc. ).

Chase IS the only bank involved, had plenty of evidence this was fraud, and yet it has released the funds. They have supported and abetted a fraudulent action and chosen to do NOTHING to help, me a Chase customer and victim of a scam which has resulted in me losing every penny I have. I am a single mother with a daughter at college and this is financially devastating.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-02-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Lost my home to a fraudulent mortgage and foreclosure. Bank of America lied and claimed i had an FHA home mortgage when i fact I've never applied for or encumbered an FHA loan. my home was owned by me out right with no mortgages since XX/XX/XXXX. Bank of America lied and submitted false SERVICE MEMBER VERIFICATION FORMS TO FRAUDULENTLY COMPLY WITH SCRA RIGHTS, AND PROTECTIONS. WHEN IN FACT THEY NEVER HAD MY SOCIAL OR PROPER DOB TO SUBMITT A LEGAL REQUEST THROUGH THE PROOPER PROCEDRIAL CHANNELS BEING XXXX XXXX XXXX XXXX XXXXXXXX IF IN FACT THEY HAD COMPLIED MY HOME WOULD HAVE NOT BEEN VICTIM OF AN ILLEGAL SUMMARY JUDGMENT. ALSO MY CREDIT REPORT WOULD REFLECT A SOFT INQUIRY THIS MAKING A NOTE ON MY CREDIT REPORT. IVE LOST MY HOME AND IT WAS PAID FOR OUTRIGHT. tHE ACCOUNT NUMBER ON THE FORCLOSED DEED OF TRUST DOES NOT REFLECT PROPERLY ON THE SO CALLED NOTE. ALSO THE ACCOUNT NUMBER DOES NOT REFLECT EVEN REMOTLEY TO THE NUMBER ON THE CONVEYED NOTE ACCORDING TO BOA REPLY TO THE DOJ COMPLAINT I MADE IN XXXX. THE NOTE USED TO FORCLOSE HAD BEEN USED IN XXXX TO FORCLOSE ON A FORMER PROPERTY I OWNED ONCE ALREADY. THEN IT WAS FRAUD AS WELL.