davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (FL)

I recently received a copy of my ( XXXX, XXXX, XXXX ) consumer report on XX/XX/XXXX and I noticed some late payments posted on my consumer reports from XXXX. 
XXXX is in clear violation of the law, under 15 USC 1681b permissible purpose of a consumer report, THE LAW CLREARLY STATE : ( a ) In general Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


I did not give XXXX written instructions to furnish this on my consumer report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) under the exclusions from a consumer credit report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all late payments from my consumer report related to these account listed below, this agency is in violation of 15 USC 1681. 
Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of all late payments of the above referenced account, and update those corrections with the XXXX will result in legal actions against XXXX for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character 2. Neglegent establishment of identity fraud 3. Fair Debt Collection Practice Act 15 USC Violation 4. Fair Debt Collection Practice Act 15USC 1681 Violation for willful noncompliance civil liability, USC 1681n
Consumer complaint received 2024-03-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (AZ)

I called Nelnet on XX/XX/XXXX to discuss several issues. 
XXXX. I received an email that my loans were in an administrative forbearance for the payments XX/XX/XXXX and XX/XX/XXXX. The email said it was due to a failure to send statements on time and apologizing for any inconvenience. The payments still came out of my bank account for these XXXX months causing me financial hardship as I wasn't allocating the money for those payments. I explained to the representative that the payments were still coming out and she was going to request a refund for the payments. She had me on hold for about XXXX mins to speak to a supervisor. While talking to her about this complaint I brought up my next complaint. 
XXXX. I asked her to tell me when I authorized auto payments from my bank account. She put me on hold while she looked. She said she had no record of me authorizing payments from my bank account. I understand she just works there and tried to answer the best of her ability. I said that I was going to file a complaint about these issues. That's when she insisted I speak to a supervisor. I waited on hold another XXXX mins before getting someone on the line. I explained to her my concerns where she tried to find evidence that I authorized auto payments and said in XXXX I authorized auto payments. When I told her I didn't have that account anymore. I asked her to tell me when I authorized auto pay from my current account. She kept reading changes from my nelnet account but nothing saying I in fact authorized these payments. So when I asked for the date she said would you like that mailed to you? I said yes I would like the signed authorization mailed to me. I asked her why I wasn't receiving statements, bills, and due dates. She said I was signed up for electronic communication which she explained is only found on the nelnet account online not sent through personal email. I asked to remove me from XXXX communication and only contact me via mail which she said she did. They did remove autopayments from what they claimed. So then when I ask her to make sure I was getting refunded the payments she explained that since I was set up for auto pay the money starts to withdraw from my account XXXX  days before my due date. She wasn't able to request a refund for XXXX since my forbearance started on my payment due date. So the email was a lie. I only get XXXX  month of forbearance due to my payment due date. When I got off the phone I went to my nelnet account I couldn't find any " statements or proof of auto pay ''. I tried to delete my bank information to prevent further mishaps and the website wouldn't allow me to delete my own bank information which is a huge concern.
Consumer complaint received 2022-11-02
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: Fidelity National Information Services, Inc. (FNIS) (CA)

On XX/XX/XXXX, I submitted a police report stating clearly that an account with XXXX  XXXX XXXX had been opened back in XXXX without my consent and is still showing on my Chex systems report. I submitted this police report to Chex systems and it is notated on the report by the police officer that this account was opened without my consent. Chex systems refused to remove the charged off checking/ savings account because the police report was filed too long after the incident. However, I have previously submitted a dispute to Chex systems in XXXX and they refused to remove it without a police report. They said that if I obtained this police report that it would result in removal. The account is clearly not mine according to the evidence gathered and booked by the police officer as stated In the police report. I need this account removed.
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Penn Credit Corporation (CA)

This company ( Penn Collection ) has been calling my number for several months. At some point in the past they woke me up before XXXX with their call and I answered. They asked for a specific person but I don't know who this is. I've never heard of them. I told them I don't know them and they thanked me and said they'd update their records. Weeks later the calls resumed. I'm still receiving them and almost always before XXXX.
Consumer complaint received 2024-03-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

I received a letter from Synchrony Bank dated XX/XX/XXXX regarding Change in Terms for my JCPenneys credit card. They are instituting a {$1.00} fee for a paper stating. I shouldn't be forced to have to put my information in an on-line account. I pay by phone every month after receiving my paper statement, which triggers me to pay. I think this is an overreach by Synchrony bank to charge a fee for what should be in the cost of doing business.
Consumer complaint received 2021-12-06
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: BARCLAYS BANK DELAWARE (NY)

I provided prove and all documents Barclays JetBlue ask for to give me a full refund and still nothing its been 4 months they XXXX giving me the runs rounds
Consumer complaint received 2022-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

My loan was transferred to Rushmore loan management service XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX. 

I sent 2 wire transfers prior to the last day of the Payoff estimate date. 
They held my XXXX  and did not apply the money to the loan and refused to send me the release of lien/reconveyance deed or notice of reconveyance.
Consumer complaint received 2018-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (CA)

I had previously blocked and reported as SPAM this number on my cell phone, but I got a voice mail anyway. The name of the company ( apparently ) is Dynamic Recovery Solutions. There was a toll free number to call back in the voice mail, but I didn't write it down, because I don't owe anyone any money.
Consumer complaint received 2018-07-23
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: Early Warning Services, LLC (MN)

I tried to open a XXXXXXXX XXXX account and was declined due to negative reporting on Early Warning report that states a XXXXXXXX XXXX account reported XX/XX/2017. 

Early Warning sent me the report and and I have never had a XXXX XXXX account and when I contacted XXXX to inquire about it they were unable to pull anything based on my information, so there was nothing to dispute with them. 

Early Warning is referring me to the bank which is not giving me any information, I provided early warning with police report and requested for them to remove this reporting that does not belong to me and they have not.
Consumer complaint received 2019-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

Check my 3 credit reports Today. Seen something on my reports that do not belong to me. There was a collection account on my reports from AD ASTRA RECOVERY SERVICES. Never got any information from the agency about any type of debt that I owed.
Consumer complaint received 2022-06-16
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 

15 US 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 an account without my written instructions.
Consumer complaint received 2021-04-13
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: EQUIFAX, INC. (GA)

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

reporting act XXXX account XXXX has violated my rights 15 USC 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 with out my written instruction 15 USC 1666B A creditor may not treat a late payment on a account under an open end consumer credit plan as a late payment I will like all information from to all3 bureau to be updated this information
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (VA)

I've made my payments on time every month since opening this Citi credit card. I make additional payments on this card most months. My credit limit on this card was {$1100.00} and my balance was {$520.00}. Today I received notification that they reduced my credit limit to just {$14.00} over my balance to {$540.00} for absolutely no reason. My credit score has not dropped since opening this account. And I've never skipped a payment or paid my bill late. Now they've dropped my credit limit so close to my balance that when interest is charged on my balance, I'll be over my credit limit and they will charge a fee for being over my limit. Not to mention the huge negative impact this will have to my credit. What this company is doing is unethical and fraudulent.
Consumer complaint received 2018-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (VA)

I had a Chase XXXX XXXX  card which I closed when the annual fee hit. Chase has refused to credit/refund the annual fee in violation of both the terms of the card member agreement and federal law. Chase claims it will take 60-90 days to credit the annual fee back and that if I do not pay it now they will charge interest and additional fees on the closed account and report the account as delinquent to all three national credit bureaus. This is simply not allowed under law. Chase should immediately remove the annual fee - it does not take 3 months - they are only doing this to either ruin my credit or obtain additional revenue from the fee.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I went online probably XXXX XXXX  2022 to check my Citizens Bank credit card charges because of potential fraud. Apparently looking online triggered the end of paper statements and the beginning of e-statements. Perhaps there was some fine print, but I certainly NEVER saw it or consented to it. I am a very busy person and didn't notice that I hadn't received bills. I have been a long term customer with an excellent payment history and a stellar credit score ( over XXXX ). You would think Citizens Bank would notice something was wrong and notify me. But no. Instead, they pile on {$69.00} in late fees and {$410.00} in interest charges. I only find out when my card is declined at a store! And when I ask, they refuse to reverse the interest charges. Switching people over to e-statements without permission or in a sneaky way that the customer can not see must be a HUGE money maker for Citizens. It is wrong and they should be fined and shut down.
Consumer complaint received 2021-02-12
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. (FL)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXXXXXX XXXX Account # XXXX I was never late, 30 days XX/XX/2020. 

Im not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX has not resolved my concern. XXXX is required by California law to mail me the Notice of Intention to Dispose of Motor Vehicle, which based on the tracking number that XXXX provided in the " Notice of Intention to Dispose of Motor Vehicle '', that I am just seeing as of yesterday, XX/XX/2020, it was never delivered to my address. XXXX tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is an alleged debt that I am not claiming.
Consumer complaint received 2022-06-13
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. (MD)

With specificity I am disputing the following inaccuracies on my credit report. 

XXXX XXXX XX/XX/2014 opened XXXX XXXX XX/XX/2014 opened Dispute : These are not my accounts. No account numbers are showing on my credit report, 7 tears have passed, so therefore they should have been removed
Consumer complaint received 2022-07-22
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. (MA)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX XXXX and XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (NM)

Not honoring promotion offer. 

On XXXX XXXX, I opened an account with US Bank ( Smartly Checking account ) online with promo code XXXX. The initial deposit was XXXX dollars which went through. On XXXX XXXX, the bank closed my account without notice. I realized the account was closed since it did not show up on my app. I was not given any notice or email. On contacting the bank, I was just told " Fund transfer was rejected ''. I was directed to a bank branch to reopen the account. This was done with a new deposit of XXXX dollars. On a later calls to customer service service, I was informed the promo offer no longer holds since the account was closed and reopened. I was asked to speak to the branch which reopened my account. They say that they do not deal with any promotions. The customer service finally responded that they can not help me further.

This has wasted a lot of my time. I was forced to quickly try to reopen my account since my paycheck was to be deposited to it in a few days ( by direct deposit )
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

I am lodging a complaint against Synchrony Bank ( Amazon Store Card ) for erroneously sending my account to collections based on a false credit report indicating that I had filed for XXXX. This XXXX entry was a mistake and did not belong to me and has since been removed from my credit report by XXXX and XXXX. Despite this correction, Synchrony Bank has refused to conduct a thorough investigation that would verify the XXXX was never mine. XXXX XXXX and XXXX XXXX, which have reinstated my account and updated my credit report accordingly, Synchrony Bank is the only creditor that has not taken similar actions and has instead sent my account to collections. This situation clearly violates the Fair Credit Reporting Act ( FCRA ). 

I am unwilling to pay a collection agency and allow it to negatively impact my credit report for an issue that could have been easily verified by contacting the bankruptcy court with the case number you have on file. The court would confirm that my social security number is not associated with that bankruptcy that synchrony bank has on file. 

I have made multiple attempts to contact someone regarding my account, but have been met with unhelpful responses. The customer service representatives have been rude and unwilling to address or discuss my issue. Additionally, when I ask to speak with a supervisor, I am transferred endlessly or my call is never answered.
Consumer complaint received 2020-07-29
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc. (AZ)

I entered a lease on or around XX/XX/XXXX on the original lease. I state the carpet is already used and has an odor. I noted that the blinds weee broken and mismatching. During my 2 plus years at XXXX XXXX XXXX XXXX XXXX, AZ. XXXX. In fact, fixed a stair rail that kept falling off and had XXXX XXXX XXXX plumbers install a sink I paid for because the one they had was old and fell off the downstairs bathroom. I was an excellent tenant and always paid my rent on time. In XXXX of XXXX XXXX XXXX XXXX, XXXX, came over to reassess the property. He then chose to not charge me a pet deposit, but rather raised my rent {$100.00} a month. He did not ask, request or discuss a pet deposit other than the increase. I then was told by XXXX that the owner was selling the property and that I had 60 days to move. I immediately in XXXX of XXXX began looking and moved out per our agreement on-time despite Covid 19 on XX/XX/XXXX. I asked the XXXX company to come do the walk through, but they - No Showed. I had complaint that the property windows were not secure and they did nothing. I left the house in the best clean and damage free. There was some wear and tare, but the company has an {$800.00} security deposit to cover those costs. However, XXXX lied to me and told me he needed my new address to mail me my deposit. When Im fact he has submitted false information and information that indicates XXXX XXXX XXXX wants me to remodel the unit? I am not responsible for remodeling a unit that I rented that is the owners responsibility. The company they hired is harassing me with calls, letters and reporting false information to the credit bureaus. National Credit Systems is reporting false allegations, pictures and information. I am disputing this at every level to resolve based on facts. It is the landlords responsibility to do a final walk through and if there was graffiti on the wall that is not of my doing? I dont understand why I am being victimized in this situation? Please Help!