davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-18
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Manhattan Beach Venture, LLC (GA)

XXXX XXXX XXXX or XXXX is a third-party collection agency specializing in student loan debt. XXXX has received many complaints from consumers alleging violations of the Fair Debt Collections Practices Act ( FDCPA ) such as using inappropriate communication tactics and making threats. 

XXXX violations that include illegal disclosure of information, failure to verify debts, improper communication tactics, and making threats. 

XXXXs failure to establish recurring authorization of electronic funds transfer before payments are taken from bank accounts violates the EFTA. A second charge attempted to establish XXXXs liability for violating the FDCPAs provisions against unfair or unconscionable means to collect or attempt to collect any debt. 

debt collector attempts to collect more than you allowed for settlements debt collectors attempt to intimidate you Criminal accusations are being made Use of obscene language during an attempt to collect such as cursing Automated robocalls are being made to your phone in an attempt to collect without prior consent for dialer calls to cell phone. 

Phone messages are not being returned in 24 hours.
Consumer complaint received 2022-06-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XXXX my lawyer ran a prebankruptcy credit report, at that time there were no past due accounts. My XXXX  XXXX bankruptcy was file XXXX. I made every payment for 5 years on time. In XXXX i noticed that my credit report showed 8 accounts as ever late. I wrote a letter to Experian XXXX disputing these late payments and while they corrected the individual accounts it still showed in ever late. I assumed this would be corrected when the bankruptcy closed. In XXXX of XXXX I ran my report and disputed this again. They removed 2 accounts. As of today there are 4 accounts showing potentially negative on my report. The only account that was not paid in full was a credit card who did not file a claim with the bankruptcy trustee. Every other account I had was paid 100 % in full in bankruptcy. The car loan account from XXXX shows potentially negative, even though per the bankruptcy trustee was secured/omitted and paid outside of the bankruptcy and I can prove I made every payment on time, and paid in full in XXXX of XXXX. XXXX XXXX XXXX was paid in full per the bankruptcy, but when I contacted them was told they had to show it potentially negative because they charged the account off. I was not aware that is is legal to charge off an account that has already been included in a bankruptcy. I have supplied Experian with the closing report from the bankruptcy trustee and the paid account information as well as the original bankruptcy credit report to no avail.
Consumer complaint received 2022-03-07
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: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, and XXXX XXXX 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.
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (NJ)

I opened PNC bank virtual wallet account based on account opening bonus offer sent to me at my home address. I meet all terms and condition listed in offer document but did not received bonus amount. 
I contacted PNC twice to resolve issue. PNC responded to my complaint on XX/XX/2022 stating that my bonus is declined as it was for existing customer, but it is not stated in offer sent to me ( offer letter attached ). I want my bonus {$400.00} account opening bonus.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

Ive been disputing this account since XX/XX/XXXX and seem to not get the removal and deletion of this account due to it reporting erroneous and inaccurate information. The company has violated several FCRA and consumer laws on the credit reporting agencies ( XXXX, experian and XXXX ). I sent a letter to Furnisher XXXX XXXX and received a letter XX/XX/XXXX for the removal of all reporting information removed and deleted from this account. Experian received this letter via uploaded through the dispute center on XX/XX/XXXX. I also sent this letter from the furnisher and other documents via certified mail to support my case. Experian only updated the information instead of deleting while XXXX and XXXX deleted the account. I asked to speak to special handling and supervisors and no avail to get a response to why the account was not removed. Once I spoke to an agent they stated that the account should have been removed due to my supporting information. But as of XX/XX/XXXX the account is still reporting and has not been removed from Experian. Please see the following attached documents supporting my claim.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (FL)

Received letter XXXX from Synchrony bank stating credit card has been closed. It states the reason is " Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay ''. As the date of closing, we have {$580.00} of cash back. When we called, Synchrony bank stated it is gone since they close the account. We ask that makes no sense and reason is not legit as the account has been opened only 2 months. The credit limit on card is {$15000.00}. The balance on XX/XX/2021 was {$9900.00} with due date of XXXX. The entire balanced of {$9900.00} was paid on XXXX ( see transaction detail on next statement ). The next statement the new balance was {$0.00} as we charged we paid down before statement close date. So in the total history of 2 months, the balance was {$9900.00} paid in 3 days or 20 days before due date. The next statement balance was XXXX. Does that sound like high risk and not to mention per their website the credit score is XXXX ( see attachment synchrony credit score ) which they rated as excellent. Information was provided to customer service and they were rude and now they stated we can close account for any reason. So is closing account based on race okay and being a woman? According to them it be okay since any reason. 

How can a credit company provide $ XXXX in credit and close our account and took our {$580.00} cash rewards when the average statement balance is {$4900.00} over 2 months and it is paid within 3 days and 20 days ahead schedule. If you run credit, we have plenty of cash to pay the balance. If paying off credit card 20 days ahead due date ( 3 days after statement ) is that consider high risk? If so majority of all credit card customers would have their accounts closed. If this is not discriminating, please state why XXXX is high risk? You stated her XXXX XXXX is excellent at XXXX equity is in the 7 figures.
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

My account was referred for closure XX/XX/21 I was told it would be 60 days or less via chat and a check would be mailed for whats in my account. However last time I called they could give me no answers and stated that they would be disconnecting the call and hung up. He said this when I told him my account was being referred to be closed on XX/XX/21. When I check in XXXX a rep on chat told me I should be expecting a check early XXXX at the latest. When I spoke to the gentleman today who hung up on me he said account is being referred for closure you can expect a check in 60 days when I questioned its almost been 60 days and nothing again hung up on. Ive verified my identity account # that there was no suspicious activity on the account being referred for closure. I just want some clear answers. My friend who is an attorney assistant suggested I get a pro bono attorney to get some answers. I dont I understand why I would need to do that. Ive filed a complaint with you all before after this happened and there response was 60 days from the referral to be closed I could expect a check at the address on file. And clearly nothing and no answers. 

Citibanks previous response to my last claim should be on file with you all as well. I have attached screen shots of the texts as well.
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WI)

In XX/XX/2018 I had approximately 20 fraudulent charges made to my credit card for XXXX XXXX. While Citibank coded the majority of the charges as fraud and reversed them, there were several charges that they miscoded as a billing dispute. This gave the fraudsters a loop hole to try to claim I authorized the charges. I did not. I finally contacted the XXXX XXXX XXXX and Federal Trade Commission to file a complaint against Citibank at this time they reversed all charges. 

On XX/XX/2018 I received a letter stating that the charges for two XXXX were reinstated even though I reported it as fraud. The XXXX  company I suspect must work with the people who fraudulently used my credit card because they created documentation. 

I am XXXX years old and I am a victim of fraud. My credit card company made an error with coding it as a billing dispute instead of fraud and now they are trying to make me pay for the fraud. There are two charges for {$100.00}. 

Please advise who else will work with seniors since I am being victimized and they are not abiding by the affidavit that I signed stating it was fraud. They suggested I contact the merchant that I have no idea how to get in touch with a business that I never did business with. 

I will continue to fight the charges.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I leased an XXXX in XXXX for 48 months. I have purchased two vehicles since then. But this old lease information keeps reappearing on my credit report. This is an old paid account. This should not report that I still am in possession of this vehicle since XXXX. Please remove the vehicle fro My report. I have not been responsible for or in possession of this car since XXXX. 
Thank you.
Consumer complaint received 2022-03-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

To whom it may concern. 
My full name matching my passport XXXX XXXX. 
XXXXm from XXXX and I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. 
Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to ZERO enriching themselves from my hard earned money. 

PayPal transferred my whole balance and took my hard earned money under the Transaction ID : XXXX. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 
I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 

Looking forward for your reply. 
Thank you
Consumer complaint received 2018-08-07
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)

In XXXX I had my identity stolen in what was the XXXX XXXX and XXXX XXXX hack, someone used my XXXX  XXXX XXXX account and opened up a XXXX card. I immediately contacted law enforcement and reported under penalty of perjury the theft. Shortly after I contacted all 3 credit report agencies and asked the information be blocked pursuant to 15 usc 1681c-2b, all agreed, in XXXX of XXXX after noticing some inaccurate information on my Experian report I noticed they reinstated the accounts ; without notifying me-A violation of the fcra and FACTA amendments, Nor did they explain why, which under the FCRA is absolute and without question. I checked every report from XXXX and they randomly reinstated the accounts in XXXX of this year, in flagrant violation of numerous federal and state laws. I am a bona fide victim of identity theft and this has now cost me numerous accounts that have been denied or closed!
Consumer complaint received 2018-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

My mother passed away and I have given Fay Servicing the certified Letters of Testamentary and Court order which says I am the personal representative. I just received a copy of a letter from Fay Servicing which states they are not accepting me as the personal representative. I brought this property out of foreclosure and Fay Servicing did not want to accept my payment and I had to go to court in order to get help. They will not provide a history of my mothers mortgage payments and said in court she had not made a payment in 8 years, but she received a XXXX for interest which disproves what they had said. They refuse to provide me with any information and I have sent them paperwork numerous times and they keep asking for it again.
Consumer complaint received 2022-06-19
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. (FL)

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my TransUnion credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote TransUnion a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay TransUnion wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a trained Educator with very high education and i am able to write my letters of dispute without need for a third party. 
TransUnion is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX XXXX - Date : XXXX - Attached is the letter i wrote to TransUnion and the letter TransUnion wrote back to me refusing to process my dispute. 
i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Experian has removed TWO of my accounts without any reason and is not reporting one of my accounts. 
The two accounts that removed without a reason are XXXX Bank and XXXX XXXX XXXX. 
The Account they are blocking is XXXX XXXX XXXX XXXX XXXX XXXX ). ALL of these accounts belong to me, are in good standing, are valid account, and paid on time with an exceptional payment history. These are not fraudulent accounts. They belong to me. There is NO reason why these accounts should have been removed from my Experian Credit Profile.
Consumer complaint received 2022-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the XXXXederal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

This is a complaint from XXXX XXXX against Midland Credit Management for Midlands failure to provide requested information for the debt alleged. On XX/XX/18 received a demand letter from creditor in response to consumers written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.

Creditors demand letter did not include the requested information that would show ownership of the account by Midland. Failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NV)

Nelnet is reporting inaccurate information on my credit report and refuses to correct it even when I have sent proof of the fraudulent information. 
As a borrower and current college student I have had a horrible and unfathomed experience with Nelnet. I am currently in deferment as I submitted an IDR plan and now because of Covid19. I have between XXXX accounts with Nelnet and they have issued 10 late payments on each account causing my credit score to drop and now I am denied credit and to obtain a vehicle to take my children back and forth to the doctors. One of my children is XXXX and having reliable transportation is a necessity for me but because of all the late payments I can not acquire a car. The late payments Nelnet has added to my credit report are fraudulent and they are reporting inaccurate information. Between XXXX there has been so many complaints with Nelnet adding late payments to accounts, not properly adding payments and causing borrowers to get in over their head to repay or live a suitable life. All of my Nelnet accounts that were part of the XX/XX/XXXX through XX/XX/XXXX late payments show deferment status effective as of " XX/XX/XXXX. '' Also XXXX XX/XX/XXXX. Also, I was enrolled full time before any payment in XXXX became due. Therefore, my credit reports do not currently accurately reflect previous payment statuses with Nelnet, both as they actually existed and as Nelnet has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the six accounts showing a 60-day late payment in XX/XX/XXXX through XX/XX/XXXX be updated and/or corrected and removed. 
In the event that these reports are not immediately updated to accurately reflect my payment status during XX/XX/XXXX through XX/XX/XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, CFPB, XXXX, and pursue other legal routes if necessary. I have sent nelent more information showing I was in school and forbearance letters they sent me but they refuse to remove late payments. I am not asking for removal of any accounts but they late payments that they are reporting inaccurately that is damaging my credit report and hindering me from obtaining a stable home and transportation because of false information that XXXX knowingly will not change
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

Information is missing from my credit profile, that being a XXXX card in my name with the following account # XXXX XXXX XXXX XXXX. 
XXXX XXXX added me as an authorized user on his XXXX card back in XX/XX/2021. XXXX did approve and add me on as an authorized user in XX/XX/2021 providing me with the following account # XXXX XXXX XXXX XXXX. 
I am requesting XXXX and Equifax to verify this information with XXXX Card services. 
I am also asking XXXX and Equifax to verify XXXX  authorized users policy which states : *XXXX reports the account credit history to the three major credit bureaus as to you and the Authorized User. This can help build the Authorized User 's credit history if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact yours and the Authorized User 's ability to build credit. 
I am also requesting the missing information be added to my credit profile