davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is my THIRD request for information under Title 15 U.S.C 1681i, FCRA 611 ( a ) 6 ( ) ( B ) ( iii ) /FCRA 611 ( A ) ( 7 ). 
I submitted the first request in response to my dispute submitted via CFPB # XXXX XX/XX/XXXX with the basis of my dispute being that under FCRA 602 I have a right to privacy and under FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions. 

On XX/XX/XXXX I received a response stating that the Trade : XXXXXXXX XXXX XXXX XXXX XXXX # XXXX was verified /updated then I submitted a request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) / FCRA ( 2 ) other times on dates XXXX CFPB # XXXX, XX/XX/XXXX XXXX I received some type of response pertaining to a need for more identification, which I sent each time via USPS regular mail and also uploaded my I.D . But received absolutely NOTHING that remotely resembles what the law requires requires in accordance with : Title 15 U.S.C. Title 1681i, FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) / FCRA 611 ( A7 ).

Therefore, I am unfortunately having to upload my I.D . and Social Security info after doing this a few times already. 

I an also requesting the same information for the THIRD time in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) / FCRA 611 ( A ) ( 7 ). 

Unfirgunately, I also received another request for I.D . On XX/XX/XXXX this is very frustrating!! 

I understand that when submitting my requests your untimely responses requesting my I.D . 
but sending no information that I requested as per the procedures that were used that led you to determine that my dispute be verified/updated, along with the person you spoke to and their name ( s ), telephone number and address could lead to me having to take your agency to court for not providing the information in a timely manner, and I also understand I could receive financial compensation for that violation of not doing what is required by law in 15 days. 

Delete this Trade it is in violation of my privacy, I gave no one written instructions for it to be furnished by your agency on my credit report. 


1 ) XXXX XXXX XXXX  # XXXX.
Consumer complaint received 2022-03-22
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 — Investigation took more than 30 days
Company: SUNRISE CREDIT SERVICES, INC (NJ)

I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. I sent a letter to XXXX disputing 6 accounts as fraud on XX/XX/XXXX via fax with return receipt. After receiving no response after 30 days, I again sent a letter to XXXX  on ( XX/XX/XXXX ) via the online CFPB consumer complaint portal. I received notice via that same CFPB portal that XXXX received the dispute letter on ( XX/XX/XXXX ). As of XX/XX/XXXX XXXX responded back to the CFPB complaint stating what has been removed and what has been verified without proof of method of verification used and well after 30 days for the 2nd time. Federal law that protects my rights as a consumer states that credit reporting agencies have a total of 30 days from receipt of a debt validation request to provide proof or remove accounts. XXXX continues to violate my federally protected rights by displaying their disregard for the law by responding after the 30-day threshold. It is now ( XX/XX/XXXX ) and I still have not received a response from XXXX  in writing other than a later than 30 day notice through the CFPB online portal. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Consumer complaint received 2021-10-11
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)

I have contacted the credit bureaus and XXXX BANK XXXX XXXX to remove this account that was open on XXXX XXXX, 2014 ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The account is also fraudulent.
Consumer complaint received 2020-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America. I had reported and cancelled a card that was stolen XX/XX/XXXX. On XX/XX/XXXX {$4300.00} was debited unauthorized! I also have an alert to check with me for any transaction over {$500.00}. The amount was taken says XXXX XXXX. All my bills have declined in lumpy electric, Im out of state my account can not use my card at all. My family back in Maryland can not get food. This has left us helpless. I escalated the investigation of the fraud by getting a letter from the general manager at merchant stating DID NOT do this. This was faxed XX/XX/XXXX. This has been over a week and my account has not been corrected. B or A explained to me this can take up to 45 days! This is very unacceptable. This was FRAUD, I did not authorized this, and I was not even alerted over {$500.00} was being taken. This has made life extremely difficult for me and my family. As of this date Im out of state and not sure how to pay for anything BECUASE the account is not being allowed to be used. Any real transaction is being declined. Please help
Consumer complaint received 2020-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

Hi I started working for the XXXX  XX/XX/XXXX. I decided to apply for Public Loan Service Forgiveness ( my previous employer also qualified ). I submitted the application in XXXX and it took months to get switched over to Fed Loan Servicing ( my previous servicer was XXXX XXXX ). I applied for an Income Driven Repayment plan on XX/XX/XXXX. I have attached the confirmation e-mail here. It originally said online I would hear something by XX/XX/XXXX which did not happen. I called at the beginning of XXXX and they said it takes a long time the first time. They allowed me to pay {$20.00} for the month of XXXX which I agreed because my payments would not count towards PSLF unless I am on an IDR plan. I logged on yesterday and it now says I am on a standard repayment plan and owe over {$2000.00} in XXXX. My IDR application still just said " received ''. I submitted a new application XX/XX/XXXX. However, now when I log in I can only see the new application and not the original. I can not afford to be on a standard repayment plan. I applied for IDR XX/XX/XXXX and when I called they could not explain what the delay was. These are also months where my payments could qualify towards my 120 payments but they will not qualify because Fed Loan Servicing will not process my IDR request
Consumer complaint received 2021-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC (VA)

Got a letter from American Coradius International LLC stating I owed XXXX XXXX {$100.00} and would take partial payment of XXXX. I called and spoke to XXXX  and spoke to XXXX MasterCard that has been closed. They state I dont have any outstanding account debt and this must be a scam. The account number on the letter is not my account # with XXXX.
Consumer complaint received 2021-04-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Jennifer McCoy, PC (TN)

Was looking into FDCPA info and found a section that said that debt collectors may not " Communicate, or threaten to communicate, false credit information or information which should be known to be false, including not identifying disputed debts as such. '' Called the debt collector to ask if my debt had been marked as disputed with the credit reporting agencies it had been reported to. Initially she replied yes, then said she was not required to do so because I was the one disputing it and not them, then said she would do it that day. This conversation was recorded. I have been attempting to dispute part of the debt for several weeks with the original party and the debt collector, only to be told by both that there will be no discussion or just ignored completely.
Consumer complaint received 2021-04-09
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. (FL)

I been disputing with the XXXX XXXX XXXX this accounts # XXXX wich they said they never received the first payment but i never recrived such credit card and Experian is reporting such account and the other credit card # XXXX both accounts been repoted by experian in violation because now Experian is reporting as current status and at the same time they reporting such trade lines as charge off therefore this 2 accounts are misleading unverifiable and incomplete and are been repoted in violation of the law
Consumer complaint received 2018-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Interstate Recovery Service, Inc. (SC)

On or around XX/XX/XXXX timeframe I received through the mail a promotion from XXXXXXXX XXXX  XXXX XXXX were I could choose some magazine subscriptions in exchange for unused miles about to expire from air travel companies, which I mailed back with some choices. 

Over a month later I've got a call from a person from this same company requesting to update credit card information from my husband 's credit card that somehow they had with them. They also made questions over and over trying to confuse me and make me agree to choices I didn't want to make about subscription length. Every time I answered no to a question they would restart all the questionnaire saying I couldn ' t make that choice and using questionable sales tactics and trying to force me to agree to their preferences. 

In XX/XX/XXXX they sent a letter confirming subscription to 5 magazines for 4 years, which I never intended to make with a charge of {$39.00} a month for 30 months for a total of {$1100.00}. 

They charged {$39.00} to my husband 's credit card in XXXX and XXXX but never sent any magazines and we didn't authorized any charges because it was supposed to be in exchange for unused miles. 

On XX/XX/XXXX we received a letter from this company requesting payment because that credit card they had on file was cancelled. 
I replied on XX/XX/XXXX that I wasn't interested in their magazine subscription since they never sent the magazines, and they had charged the credit card unduly and that I wanted all the subscriptions cancelled. 

On XX/XX/XXXX we started receiving and returning to sender the first and all subsequent magazines sent to my address by this company. Nevertheless, they continued sending magazines through XX/XX/XXXX, all of them returned to sender and then they stopped. 

In XXXX I started receiving phone calls from this company trying to collect a debt of {$1100.00}, which I refused to pay since I never agreed to it. 
Subsequently, collecting agencies have been calling for this same issue. 

On XX/XX/XXXX received a letter from Interstate Recovery service, dated XX/XX/XXXX stating the debt was assigned to them for collection, which I'm still disputing as invalid.
Consumer complaint received 2018-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

I noticed an email from Chase which stated I requested to delete my phone number and if I didn't to call the bank. So I called the bank. The first Representative helped me to add it back so my text alerts would get to me. 

What I believe the bank did : Somebody at the bank deleted my phone number so I would not receive alerts. No one else but the bank has access to my account. The bank refused to remove or to reduce these remaining fees. I have been a customer of theirs for many years. I also believe someone at the bank changed some of my purchases that took place previously to post on XX/XX/18 so that each of them could generate more fees. For the past several years, my purchases appear almost immediately pending then they post on the date made. Then all of a sudden for this incident, purchases made on different dates appeared on XX/XX/2018. For example, The attached receipt shows purchase XXXX XXXX purchase made XX/XX/18 but the bank shows it being made on XX/XX/18. Another attached receipt from XXXX shows purchases made on XX/XX/18 ; however my bank statement shows it was made on XX/XX/18. This is a way for the Bank to maximize their fees. XX/XX/XXXX doesn't appear on my bank statement at all. This is not an accurate representation of events. 

What I did XX/XX/2018 : I called the bank to inquire about how my phone number became deleted so I could not receive text alerts and the representative did not know and could not provide any explanation. He assisted me with returning my phone number to the alerts. After about an hour on the phone with the bank, I requested a reduction in fees or a removal of fees and XXXX a supervisor said he consulted with " the back office '' and nothing could be done. 
I inquired about all of the fees, 7 of them - maybe less at the time of that conversation. The insufficient funds fees continued to increase between XX/XX/18 and and XX/XX/2018. My overdraft balance continued to increase as well. Bank fees total {$230.00}. My account balance at this time is - {$820.00}, a negative balance The impact to me : Almost my entire check will go to pay my negative balance. As a result, I will not have money to pay my bills, and the negative balance and fees will continue. 

At the time the bank fees started, I had funds at the bank in another account to more than cover the insufficient funds. They could have called me for approval to uses that or at a minimum to alert me. In the past, I have received alerts asking me if I want to transfer to cover an overdraft. However, since someone at the bank deleted my phone number, I did not receive that. 

Why did they do it : I believe they want to get all of the profits they can for the year end. 

My request : I am requesting reversal of all of the fees in the amount of {$230.00} because they are a result of the bank 's actions with not alerting me to the situation with a phone call or text message.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (AZ)

Received the XXXX Balance says {$600.00} and that you can transfer to your bank without a fee. 
I went through the activation process and setup the account. 
Tried numerous times to transfer the $ and it says the transfer amount can not be more than with the fee. It says no fee. 
I tried numerous times to call the XXXX number and it just sends you in the same loop. 
This is more than frustrating and ridiculous. 
I am tech savy and I can not make this work. 
How are people that are not tech savy going to do this? 
Plus now all of my contact info is in some AI loop forever.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (TX)

I have opened BBVA checking and savings account. I had XXXX cents as a balance in my checking account. 

BBVA had made it really very difficult for me to close this account. I can not send the XXXX cents via XXXX ( as it charges {$3.00} fees ) or via Bill pay ( Bill pay doesn't allow this less amount ). I can not pull from other banks also as it's such a small amount
Consumer complaint received 2021-01-29
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: HYUNDAI CAPITAL AMERICA (IL)

I financed a car through Kia Finance for a XXXX XXXX XXXX. The loan was paid off on XX/XX/XXXX. However, Kia Finance never released the lien on my title. I realized this in XXXX of XXXX when I went to sell my car ( we are having another baby and need more space ). I called Kia on XX/XX/XXXX to understand what had happened, and they told me they had never issued the lien release, and they submitted a request to their title department, and told me it should be released within 3 business days.

I called back the next week ( after 3 business days ), and was then told that it would take 10 business days as their title department was backed up. After 10 business days, I was told the lien release was still not processed. A second request was submitted on XX/XX/XXXX. I called again on XX/XX/XXXX, and neither request had been processed. I was told that an email was sent to escalate, and to call back in 5 business days. 

Today is XX/XX/XXXX - it's been 5 weeks since I initially raised this issue to Kia Finance, and it's been 11 months since my car loan was paid off. When I called customer service, they told me the release is not processed, and we'll just have to " wait and see '' when the title department is able to process it. No ETAs or further escalation was provided, despite speaking with a supervisor. 

At this point, I have no idea when or if the lien will be released by Kia Finance. They have an illegal lien on my car, and despite the problem being reported to them 5 weeks ago, and multiple follow-ups, and I am being given no ETA on resolution, nor further options by Kia Finance to resolve this issue. 

I would like help in resolving this matter. Furthermore, customer support has told me my situation is not unique. Not only do I want this matter resolved personally, but I would like Kia Finance to be accountable to fix this problem across the board. A car is often someone's largest asset - and to be holding it hostage because of a process breakdown and lack of appropriate escalation routes is completely unacceptable - and illegal.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS (NY)

Lexis/Nexis issued an adverse action letter to XXXX XXXX who indicated that they could not offer me the lowest rates based on the letter. Not only is my credit impeccable, but I used to have a security clearance. I have tried for months to get a copy of the consumer report from LexisNexis to understand what information is in it. In my communications with the company there have been several inconsistencies. I noticed that there have been several similar complaints on the XXXX XXXX XXXX website. Is LexisNexis reputable..
Consumer complaint received 2021-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

in XX/XX/XXXX, I filed a garnishment compliant with cfpb. I.D . XXXX, against Midland Credit on behalf of Asset Acceptance. As a result, Asset Acceptance stated they would stop garnishing my wages temporarily until XX/XX/XXXX ; and as of this day, garnishment is still being deducted from my payroll. The hardship form that I received from Midland Credit was dated XX/XX/XXXX ; which they requested the form back within ten days ; which I received the form on XX/XX/XXXX. I filled out the form, mailed it back to Midland Credit on XX/XX/XXXX by first class mail so I could be able to track the delivery. I have called Midland Credit several times ; and each time, I receive different misleading information from their credit managers. Midland credit claims that they emailed the stop garnishment request to the XXXX circuit court, civil department, but when I contacted the circuit court ; it was stated that NO stop request information from Midland credit has been received on my behalf. XX/XX/XXXX is less thank thirty days away ; and garnishments are currently being processed from my payroll ; which leads me to believe that Midland has no intentions of standing by their answer to stop the deductions that should not have been allowed in the first place. I will take this matter of complaint as far as I have to. Please advise.
Consumer complaint received 2021-02-06
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. (NC)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

experian did send me any information on how they verified the information i disputed. XXXX is not accepted as vitrifaction who did you speak with. the name and email of the person you talk to for the investigation ... .. THERE WAS NOT AN INVESTIGATION MADE ON MY DISPUTE ... .. I WANT TO SEE PROOF I WROTE A LETTER TO THE ACTUAL COURT THEY DO NOT REPORT TO THE CREDIT BUREAU ... Iam GOING TO FILE LEGAL ACTION AGAINST THIS CASE IF MATTER IS NOT RESOLVED
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (FL)

I had two late payment that reported on XX/XX/2020 for my First Progress accounts. The payment was about XXXX $ together. I want you to know that I understand, and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I wasnt aware of the bill pay method with my bank, and with it being my first time ever using it. I did not realize I had to set it up electronically with my bank so my payment would process immediately. I paid the bill on the XX/XX/XXXX, but since I did not set it up electronically they mail out the check that did arrived after my payment date. I already handle the situation with the my personal bank by setting up my account for electronically for future payment. I reach out the first progress they told me its nothing they can do about the late payment posting to the credit bureau because its already posted but they could wave my late fees on the cards. I am trying to get a new car in this hurting my chances.