davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report an agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are Illegally being reported on my credit report and i need them removed
Consumer complaint received 2017-11-30
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Prince Parker & Associates (CA)

Received call from XXXX XXXX XXXX Supposedly in North Carolina stating they had received letter from XXXX re an old bill. They wanted my credit card information and to pay now or else my credit would be ruined. 
Called XXXX, they verified that bill was XXXX.
Consumer complaint received 2016-05-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION (AZ)

On XXXX/XXXX/2016 my account had an ending balance ( posted ) of {$8.00}, and BBVA charged me an overdraft fee of {$38.00}, even though my posted balance was n't negative. The bank is charging me an overdraft fee due to a hold on my account, not the posted balance as they are supposed to. My account posted balance was never overdrawn and is only now due to their incorrect fees they refuse to remove. 

Thank you for contacting BBVA Compass. We have received your inquiry regarding a {$38.00} NSF fees on your account. We would be more than happy and provide you information about the NSF fees that have been applied to your account. Upon reviewing your account, the NSF fees were applied because of a hold on your account of {$8.00} and {$6.00} to XXXX XXXX and XXXX 'S. When the transactions listed below posted to your account. The account only had a balance of {$9.00}.
Consumer complaint received 2022-04-01
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. (LA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (VA)

I began receiving emails from Chime on XX/XX/XXXX notifying me that I had opened a debit card with them, and had made a purchase. I never opened a Chime account and certainly did not make a purchase ( which apparently was done in Texas, a state I have not visited in years ). I wrote to them to say that this was a fraudulent account and that they should close the account and flag it to prevent anything further being opened in my name. After I verified my identity, they wrote on XX/XX/XXXX to say that they were putting a " hold '' on the account and to follow up if I wanted the account closed. I had already requested multiple times that it be closed, but I responded and again requested that the account be closed. I have emailed three more times in the last week ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to make this request and they have simply ignored all of those requests ( plus the original requests prior to the " hold '' ). The lack of reply is clearly intentional since they responded quickly to my initial email reporting the fraud. From what I have learned about them, I suspect that they are refusing to close the account because it is part of their growth strategy/PR not to close accounts so they can claim huge customer growth. Either that or something worse??
Consumer complaint received 2017-11-30
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: Performant Financial Corporation (CO)

PERFORMANT FINANCIAL performed a HARD pull on my credit on XXXX XXXX withoutmy consent. 

PERFORMANT claims the were authorized under FCRA to obtain my credit due to and account transfer, HOWEVER the date that PERFORMANT opened an account was like XXXX XXXX. 

XXXX MONTHS before the FCRA allowed. 

FUTHERMORE FCRA grants PERFORMANT authorization to do a soft pull not a hard pull
Consumer complaint received 2024-01-30
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: Experian Information Solutions Inc. (FL)

I have attempted three times for Experian to investigate an account and each time they have failed to investigate. I am beyond frustrated. Each time nothing is updated. They come back stating, Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ).
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-11-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that JPMCB - AUTO FINANCE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2017-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

This DCI is trying to collect on a debt that is fours years old which belongs to XXXX XXXX XXXX XXXX. I talk to XXXX XXXX XXXX an the debt was paid as a result of a chargeoff. I complained to XXXX XXXX XXXX about there services which I found unsatisfactory and refused to pay due due to there services and call center which did not let me disconnect services. I tried to pay half of the bill but due to my unsatisfactory view was told it would be chargedoff. My credit does not show XXXX XXXX XXXX but DCi filed like if I had an account with them. I did not give permission to XXXX XXXX XXXX to sell my account to DCI.
Consumer complaint received 2017-11-30
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. (MD)

TransUnion XXXX Relations : 1 ) XXXX XXXX ( XXXX ) " DIDNT AUTHORIZE '' ( UNPROVEN ) 2 ) XXXX (XX/XX/XXXX ) " DIDNT AUTHORIZE '' ( UNPROVEN ) 3 ) Transunion (XX/XX/XXXX ) " DIDNT AUTHORIZE '' ( UNPROVEN ) 4 ) XXXX XXXX (XX/XX/XXXX) " DIDNT AUTHORIZE '' ( UNPROVEN )
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (TX)

Based on a review of my credit report, Ive sent the following letter to have the report corrected and all inaccuracies removed, Under FCRA 15 USC 1681 and privacy act of 1974 for the purpose of maintaining the consumer report in premium standard. The following that have been highlighted should be removed as they are considered certificates of indebtedness which is considered income per 26, CFR 1.61 - 12 of the internal revenue, sub, chapter A and 26 CFR 1.108-2 The creditor debtors partnership treatment of value for market value of indebtedness, as equal to the liquidation for value of the debt for equity interest for the purpose of determining the tax consequences of the debt for equal exchange. All soft inquiries are unrecognizable and are to be removed per 15 USC 1681 permissible purposes, and the privacy act of 1974. These soft inquiries were not notified of to be placed on my consumer report, or verbally consented to, and should not have been reported without written permission. The following have been highlighted for removal from the consumer credit report names and addresses for removal as they are incorrect, spelling and non-malleable addresses, all phone numbers highlighted are noncallable and I can not be reached or notified of any changes on my credit report all nonaffiliated, third-party collectors with account numbers and transaction history are to be removed as they are charge off from the original creditor and are considered zero certificate of debt which is income per 26 US 61 where gross income is defined and considered income can not be reported at is a violation of financial transaction to be considered non-public personal information and to be removed immediately. 12CFR 332.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( a ) ( 1 ) Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 332.4 ; as I was not notified prior to making a record of any accounts or transactional history per the violation, it is to be removed.
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

I attempted to use the experian web portal to place a freeze on my credit report. I made two attempts, and the result of each attempt was a page stating my identity could not be confirmed and I would have to mail my information and payment to them by registered mail. Hence, no service was delivered at this time. 
Today I checked my bank account and found I was charged by experian for their non-service, twice. In attempting to call to resolve the issue I experienced call wait times over an hour and no resolution or refund. The service of locking my report should be free in the first place, I never signed agreement that they should hold or sell my credit information, and charging me without delivering a service is plain theft.
Consumer complaint received 2022-03-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal temporarily limited my Paypal without any explanation. They said that they will review it within 5 days. Ref ID : XXXX. 7 days has passed, I emailed them twice asking when will it be fix but no responsed whatsoever. It is really frustrating because I always used Paypal primarily to received my salary to my boss and to my my other transacations.. Today I have a lot of pending payments.. Hope they can fix it soon. Thanks!
Consumer complaint received 2018-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (WA)

My loan it seems was transferred from XXXX to Great lakes in XXXX of XXXX. I have never once received information pertaining to this via email or phone until XXXX. Now it seems I am 4 months late with my payments which have been automatically paid through XXXX XXXX for the last 11 years without a hitch. Not only will Great lakes fail to acknowledge that the y may have bade an error but are trying to charge me 2.75 % instead of the 1.75 % I had been paying for the last 9/10 years. This is a scam that must be addressed.
Consumer complaint received 2018-03-21
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION (OR)

I attempted to apply for a student loan from Sallie Mae last month on their website and got a denial. I assumed it was due to requiring a cosigner the information. The information was unclear as to actually why I was declined. I asked for a letter. I then attempted to apply with my wife online and also got denied. I was confused by this because I personally have cosigned for my wife as we are both in school at XXXX XXXX University. The second application should not have been an additional hit to my credit as I just applied and I was under the impression that any hit on my credit lasts for 30 days so I was shocked when the credit bureau alerted me about this. 

I tried to contact them several times about this and reached no conclusion as to why I was unable to acquire the loan. I then called in about the loan and I was told that the loan was denied but they did not know why but I was encouraged to do a new application over the phone. I finally took them up on that when I tried to do a cosigned loan with my father. I was then told that my loan was declined and that I or one of my cosigners had a loan in default. As both my wife and I are in school I was shocked about this. I went to all of my student loan providers Sallie Mae ( I cosign for my wife ) and Federal loans they stated that I had no loans in default and if I had any loans in default I would not have been able to receive the aid I currently have. They reiterated that I was eligible and perhaps I need to use another loan provider for my private loans. I am very leery about applying for another student loan until this matter is cleared up. 

I reviewed my credit report which also had no issues about student loan default, I always pay all of my bills on time including my house and car. Both my wife and I contacted both the national and student loan providers all having no issues with all my loans are in school deferred. Talking to the people over the phone they had a problem even finding my information or how to help me try to rectify this issue. 

This is the first time I have ever needed private student loans due to the loss of my gi bill veterans educational benefits expiring after 15 years. After trying everything I could as I a non-traditional student I have no one left to cosign for me even though I can cosign for my wife. I just do not understand this. The loan company Sallie Mae has now hit my credit XXXX times when I expected once. They have no way to evaluate what or why this is happening to me. I feel that there is something seriously wrong but I have nowhere left to turn.
Consumer complaint received 2018-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

The XXXX XXXX XXXX filed {$750.00} collection before XXXX/XXXX/XXXX. 
I never open a credit with this bank. The XXXX XXXX XXXX sold the case to XXXX XXXX XXXX Right now XXXX. 
I lost my Social security card and Green card too. I report it immigration service and I got replace green card.Also, I I report Social security department and I got replacement. 
I do n't know how fix the problem for that. 
Please help me. 
Many thanks
Consumer complaint received 2017-12-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (CA)

Citibank does not properly disclosure how the state the account is created in impacts your future use of the account. I had a Citibank account in NY for 10 years. Then I created a joint account in California. The accounts can not link or work together. Then when I created a third account online ( so it would work with the NY account ), they said ALL my accounts would be cancelled if I did n't verify the second signer address ( despite having just done that in branch ). I was not informed of this at creation.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

open date XXXX/XXXX/2013 it shows a 30-59 day late on my credit report the car was traded in a month before so the new dealership sent pay off check late have documents to prove the date
Consumer complaint received 2024-01-31
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (PA)

On my credit bureau report it shows that the debt for {$11000.00} from NATIONAL CREDIT SYSTEM was reported XX/XX/2019 however I was not notified in writing nor electronically prior to this being sent to this Collection Agency, National Credit System or reporting in on my credit file as a collection account. I was unfairly prevented from denying or acknowledging said debt. This has been a negative reflection on me as I am seeking to purchase a home.. Where is the debt validation letter? I had the write to receive prior to it being reported as a delinquency/collection account? However I am disputing the validity of this debt due to the fact that the Collection Agency is representing XXXX XXXXXXXX XXXX XXXXXXXX XXXX. I have lived at my current residence for over 10 years and have the documentation to prove it my landlord will be able to confirm as well. My State Driver 's License, W2, Employment, and bank account all confirming my verifiable information. I have no documentation to submit inference to this debt except from what I show appearing on my credit files. However this invalid debt is preventing me from moving forward with purchasing a home.
Consumer complaint received 2022-09-10
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: EQUIFAX, INC. (IL)

On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, Equifax, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX XXXX Bankruptcy and accounts. 
My credit report is still reporting XXXX XXXX  XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent XXXX, Equifax, and XXXX a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous XXXX, stress, and financial hardship.
Consumer complaint received 2019-11-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMO Bank, N.A. (IA)

We paid this car loan off on XX/XX/2019. We have made numerous calls to BMO Harris Bank but still have not received the title to this vehicle. The last person we spoke with was XXXX ( refused to give last name ) said she was a manager, advised if we go litigated she will stop all research. She was of no help and did not want to help. We are tired of waiting on this Title as we want to sell this vehicle but we are not able to without a Title.