davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-16
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (AL)

XX/XX/2018 XXXX XXXX still has not assisted in contacting the Credit Bureaus to report my account {$53.00} has been paid in full and account closed. 

According to the Credit Bureaus, XXXX XXXX has not contacted them to remove this negative on my report but shows that the balance is {$0.00}
Consumer complaint received 2019-07-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Miller, Stark, Klein and Associates (ID)

Currently I am getting more and more calls from MSK and Associates, AKA Miller, Stark and Klein and Associates. It is the same company that I was called from before in regard to an attempt to collect on a debt that I allegedly owed. I confirmed with the representative I spoke with that this was the same company that attempted to call be before in XXXX and numerous other times that were extremely abusive and harassing.
Consumer complaint received 2018-08-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (TX)

I have sent XXXX XXXX XXXX several request to comply with the texas law they are collecting on and reporting negatively on my credit a debt. This looks to be a vehicle that was repossessed. I have ask them to comply with state law and also the FCRA on 3 different Occasions I have asked for the following documents as the law allows me to do. 
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.

7. Proof that all required notices were sent Prior to the repossession of the vehicle.

I have only received what seems to be he initial contract and a Letter titled " Explanation of Calculation of surplus '' This is a Violation of my rights and I believe they will continue to Violate my rights. This has been terrible experience and continues to be a weight on me financially as I have sent all notices via certified mail with return receipt to prove all notices have been signed for and received by the company. Please Help me with this.

I have attached the initial request 1-6 was on this letter and I sent 2 additional letters requesting # 7 that I can provide as well
Consumer complaint received 2019-06-12
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)

After checking my credit I've notice that I have been a victim of identity theft, several accounts appearing in my credit report that do not belong to, I'm requesting these account to be removed from my credit because they are no mine.
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (IL)

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Equifax Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MD)

i have tried to resolve this situation with XXXX, and ask them for verification of this debt and also i disputed it with all 3 credit bureaus and it came back verified and unchanged, someone open this account in my name without my authorization, this account is fraudulent
Consumer complaint received 2018-08-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

I wrote 2 letters, one on XX/XX/18 and another on XX/XX/18, asking for the company to send me the contract I signed with them. I asked for documented proof, such as a contract with signature, for the alleged debt that they state is mine. I have received no proof as of yet. I have also asked them to send me their license and bond information to ensure that they are licensed to collect in the State of Texas. I have not received that either. It's been almost 2 months.
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Transunion Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/2020 This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

3. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once
Consumer complaint received 2021-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NJ)

I made an overseas wire transfer in order to pay some outstanding bills. The bank cancelled the transaction and later froze the funds used in the wire transaction and also froze my account. I called the bank within half an hour in order to unfreeze my account and after a security verification my account was back. However the bank is not releasing my funds although I called the bank and the branch a few times in order to get my money back. The frozen funds are crippling my ability to conduct business.
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION (OK)

contacted Navy Federal in Early XXXX to confirm travel notification and that my credit card with " no foreign transaction fees '' will work during upcoming trip to XXXX. 
was told it will work, and to put the alert on via the website. did so for both the credit and debit cards. 
the debit card has a foreign transaction fee. 
the credit card will not work. 
i have tried numerous times to contact navy federal while abroad, and they tell me they can not assist me because there is a country sanction from office of foreign asset control. 
why does one card work, and not the other. 
why is it the card with foreign ttsnsaction fees that works, and not the other. 
it feels as though they are steering transactions towards the card with higher fees.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX was opened under an open end credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Furthermore, this company did not have my written instructions to furnish this charge-off account on my consumer report. This account contains a finance charge, which is the sum of ALL charges. This account was paid in full when the company required my credit card ( social security card ) to open/fund this account in its entirety. This account should not contain any late payments, charge-off status, or collections. Moreover, there is no balance on this account and the status must be updated to paid as agreed
Consumer complaint received 2018-08-16
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: CITIBANK, N.A. (FL)

While traveling in XXXX during the world cup, I was a victim of fraud. I have attempted to report in good faith to Citis fraud department that 6 transactions totaling {$8400.00} were not authorized. My claim has been denied without substantial explanation.

During my attempts to work with Citi Banks fraud and credit card security departments, I was not treated fairly.

I have been a Citi customer for almost 15 years and never faced a situation like this one. Citi has been unfair and misleading on handling my case, resulting in the worst customer experience I have ever had. They have not provided any evidence of how those transactions took place and failed to verify with the merchant, and continue a further investigation. Citi Bank has failed to protect me. Their practices are unfair and mediocre.
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NC)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : UNIVERSITY XXXX  XXXX XXXX XXXX {$11000.00} UNIVERSITY XXXX  XXXX XXXX XXXX {$580.00} XXXX XXXX  XXXX {$130.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

As I reviewed my recent report, I have found an erroneous information reporting on my Experian Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Experian to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-08-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA (IL)

I leased a XXXX XXXX dealership with XXXX in XXXX. I returned it in XX/XX/XXXX at the end of my lease. I am now being charged {$130.00} for a tire repair kit that I was never issued. 

I called the XXXX Lease End Department and after multiple calls, I finally managed to speak with a supervisor who said that they will not waive the fee. They say if I want the fee waived, I need to go to the dealership, which has since changed hands 2 times, and convince them to give me this part for no cost. They then want me to ship it certified to them. I don't think it's right that I should have to spend {$130.00} to fix their mistake, and I don't believe I should have to haggle with the dealership to try and convince them to give me this part for no cost, and then have to ship it certified with my money. Their rationale is that it is illegal to sell cars without either a spare tire or a tire repair kit, yet they did just that. This is their mistake.
Consumer complaint received 2022-02-22
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. (MI)

I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX {$760.00} XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX  XXXX Balance {$1300.00} XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-02-22
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. (MI)

I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX  XXXX XXXX Balance {$1300.00} XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX
Consumer complaint received 2019-07-30
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. (UT)

XXXX  XXXX - partial account number XXXX and XXXX XXXX XXXX partial account number XXXX are reporting duplicate line items to XXXX ; Experian and XXXX  a collection in the amount of {$3100.00}. ( Please see page 2 of the attached credit report. ) This duplicate reporting of a collection is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2022-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

The company Loancare is a terrible company. Their website does not work to login and review, pay our account. The statements are confusing. It is close to impossible to contact them for help and assistance. We are so sad that we are with this company and we are stuck with them for now and it's so frustrating. They have added an escrow account to our payment without notice or consent after paying our property taxes even though we had paid our taxes on our own which we have done for years. We looked up thousands of reviews about this company XXXX and were horrified to learn that so many people are in the same boat and are thoroughly frustrated. We have been trying to contact them for months are always the same thing - a recording to leave a message. Of course we never get a call back, no letters or correspondence, ... nothing. We don't know what else to do but hire an attorney. The worst part is we checked our credit and they have been reporting us 30 day late for XXXX payments in 2021 even though we are on autopay without a hitch. Hundreds of people reported the same on XXXX. We felt to communicate to others who may be with Loancare is the best thing we can do to help and perhaps this agency can investigate their business practices.
Consumer complaint received 2021-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

Citi has closed my account without an explanation nor with my permission and refuses to refund the prorated membership fee. The CSR stated that I am not eligible for a refund. I stated that I didn't ask for my account to be closed.
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My complaint is about Bank of America 's credit card bill pay interface. I am a new customer through an airline credit card. 

Logging onto the site, you land at a standard ( although poorly laid out ) page for viewing current charges, etc. The problem starts when you click through to pay the bill. On the main page it's a tab to click on, but once you navigate to the bill pay interface the issues begin.

1. The bill pay interface is a terminal page : you can't navigate back to the main page and you can't go anywhere else on the site. You can read some FAQ 's, but you can't go anywhere else without opening a new window and logging back in to the main page.

2. The bill pay interface only shows you the minimum payment due. You have to click around on a few tabs to find the most recent statement amount.

3. Nowhere do they show you the current amount pending on the card, you only see the last statement balance. ( Preventing you from paying the whole amount off? ) 4. When scheduling a payment, you do not get an intermediary step to ok the amount and date for payment. It defaults to the day your payment is due and when you enter the amount you want to pay, it automatically schedules the payment. I had to go back in, and find the way to reschedule the payment. 

It seems designed specifically to have you make the minimum payment on the day the bill is due as to collect the most amount of finance charges if you aren't paying attention or savvy to the buggy site.