davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
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: CarMax, Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX, IL XXXX XXXX RE : XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Lastly, I logged on CarMax to get Pre-Approved and next thing I know I had 3 inquiries. Nowhere does it say when getting pre approved that they're going to pull your credit. It wasn't until I started getting the notifications did I realize that my credit was being pulled.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

So about a month ago, I tried to make a deposit at a 5/3 ATM in a XXXX. After putting the money in, the ATM froze on me for about 10 minutes. None of the XXXX employees were able to assist me, and they just told me to call 5/3. The ATM unfroze and went back to the home screen without giving me back the {$40.00}. I checked my account and the money had not been deposited. 
After an hour of calling, I finally was able to submit a dispute and was given a provisional {$40.00} in my account until an " investigation '' was performed. 
3 days ago, the {$40.00} was taken out of my account after the " investigation '' denied my dispute. I called today and they were only able to reopen my dispute which would take 14-30 more days. They did not give me another provisional {$40.00}.
Consumer complaint received 2022-05-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CO)

I received an email notice from Firstmark Services ( a division of Nelnet ) on XX/XX/2022, stating that my minimum monthly payment would be reduced by approximately {$50.00}, effective XX/XX/2022. When I checked my account on XX/XX/2022, I noticed no change to my minimum monthly payment amount, so I contacted Firstmark to get things cleared up. I was advised to submit that email to their customer service department, and I would hear back. I submitted the email on XX/XX/2022, and received confirmation of receipt on XX/XX/2022. I heard nothing further from Firstmark. I called the customer service department today, XX/XX/2022, to inquire as to why my minimum monthly payment was not updated to the new, reduced amount. I was informed that the communication only applied to 3 of the 4 notes under that account, despite no indication of that in the notice I received. I requested that Firstmark abide by the notice sent to me, since no notice had been provided of an updated payment amount, and because the notice was unclear and misleading, in direct violation of 15 U.S.C. 1692e. Firstmark refused to take any action. On the call, Firstmark indicated that these kinds of notices ( which are unclear and misleading ) are sent to all consumers upon reamortization, and none of them indicate which notes the new minimum payment applies to. When I asked to get this in writing, Firstmark flatly refused to send such documentation, including refusing to send written communication of their standard practices with regard to notices, and refusing to send me a copy of the recording of the phone call. Eventually, Firstmark walked back that refusal, and as of today, I'm awaiting communication from a representative as to whether or not they'll be able to provide a written statement of the misleading nature of the notice. I've been promised that I will be called back on Thursday, XX/XX/2022, but I have little faith that this will happen, given the lack of communication in the past.
Consumer complaint received 2018-08-28
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 — Investigation took more than 30 days
Company: AES/PHEAA (PA)

confirmation number XXXX Issue # 1. XXXX hasnt not been corrected. Accounts still show bankruptcy. They were not included in a bankruptcy. So far I have submitted fedloan documents showings accounts paid in full not derogatory. I have also supplied bankruptcy papers showing not included in a bankruptcy. Also XXXX discharge due to XXXX papers. EVERY TIME I call XXXX   they tell me they are not going to remove. They have also refused to conference call with the creditor. Now they told me on phone they dont have documents I submitted and will not call any bankruptcy court to verify. They have also sent me letters im being frivolous recently. This improper reporting has cost me many credit card applications and housing since I have so many fedloans not showing paid as agreed. I have been waiting and fighting a year to be fixed. Fix immediately. Should show 7 to 9 paid in full accounts. No more pending. XXXX refuses to fix immediately after this error has been partially there fault for over a year now. This needs to be rushed now. Im getting economic loss, high interest rates, and lost housing because of false reporting. no more waiting Issue # 2. around XX/XX/XXXX I  submitted XXXX credit report to show status of the XXXX and they added XXXX using XXXX credit report. I have since disputed and they told me americu verified account. I have called XXXX and they have not reported to anyone about accounts in my name recently. There should not even be a dispute on my end since it was not correctly added to XXXX by using a credit report I gave then from another agency regarding something else. A representative stated that XXXX has always been they since XXXX. there resolve XX/XX/XXXX shouldnt be there since it wasnt correctly reported. A agent stated to me XXXX XXXX its always been there. This isnt true. XXXX has failed to give me how it was added in XX/XX/XXXX. I want proof americu initiated adding it recently. If they did not. It needs to be removed. Please XXXX dont send me something that is in progress. I have also included in the past another credit reporting agency XXXX stating all paid in full. Fix this immediately ( yes or no ). 

in this complaint im including. 

1. A recent result for cfpb were XXXX states accounts were not included in a bankruptcy 2. something from the bankruptcy court stating XXXX were not included 3. A statment from XXXX stating they never reached out recently to equifax 4. A credit report from XX/XX/XXXX and XX/XX/XXXX showing that it wasnt previously on my report until I submitted my XXXX dispute in XX/XX/XXXX to XX/XX/XXXX A XXXX letter stating accounts paid as agreed, paid in full not derogatory
Consumer complaint received 2022-05-16
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: Williams & Fudge, Inc (CA)

I received an email alert from my credit monitoring app that a new tradeline was recently added to my credit profile. I am currently in escrow for a home purchase and woke up to this nightmare. 
Company William & Fudge claims I owe them {$97.00} when I never had any written contracts or obligation to pay them. I never did business with William & Fudge. 

On XX/XX/2022 I wrote William & Fudge a letter via USPS mail of " validation '' bearing my signature that I had contractual obligation to pay them. 

I have also called them to ask to remove the inaccurate reporting on my credit, since it may have the possibility to affect my Home Loan Escrow process, forfeit my earnest money deposit of $ XXXX or increase of interest rate, or worse denial. They did not want help me any further.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

On XX/XX/XXXX2023 -- As a result of a large refund made by a vendor on XX/XX/XXXX23, I requested a check be sent to me for the overage in my account ( {$1100.00} ). This was made at XXXX MST on that date. They told me they would send me a check. 

On XX/XX/XXXX23 when no check had arrived, I followed up with them at XXXX MST. I was told I hadn't waited long enough, and I would have to wait longer for the check to arrive. 

I followed up again on XXXX/XXXX/23 at XXXX MST, and said I still had not received a check and asked that it be direct deposited into my bank account that was included on my Citi account. I was told that they would do that. 

I followed up again on XXXX/XXXX/23 at XXXX MST when the promised EFT deposit never showed up. I was told that I would have to wait another 2 days for the money to show in my bank account. 

This morning, I saw that instead of issuing an EFT deposit to my bank account, they instead chose to keep the money and deposited it as a credit in my CC account. I feel I was manipulated from the very beginning so that they could retain my money and avoid sending any money I was entitled to.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (WA)

I made my monthly payment that was due on XX/XX/2021, payment made online on XX/XX/XXXX. The online ledger showed the payment transaction on my acct., I took a screenshot of it for my records. The payment was made in an online transfer from my USBANK checking acct., to the USBANK credit card, both on my account, from this same bank. The next day, XX/XX/XXXX I see a late fee applied to my account and payment showing made XX/XX/XXXX. I contacted US Bank customer service to have the fee reversed because it obviously was not truly a late payment, the customer service rep said my " request '' was declined by the bank. I believe it is fraudulent of US Bank to be applying these extravagant late fees on it's customers when they can clearly see the payment was made on time. I believe a review needs to be done of US BANK and their business practices. I believe they probably scam millions of dollars from customers using this tactic. It is unacceptable especially during these difficult financial times in America. I hope every customer begins to look at their statements and ledgers and expose this company for this practice and also pursue recovering these erroneous fees that US Bank is taking from their customers.
Consumer complaint received 2022-05-16
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: CITIBANK, N.A. (NJ)

My purse was stolen in 2013 and they stole my License, And social security and they opened up various accounts with my Social, They did XXXX, XXXX XXXX, Macys and Best buy and these accounts are affecting my credit negatively and it's not allowing me to obtain any new line of credit, I filed a police report and it's on record,
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Consumer complaint received 2019-01-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

In response to a bonus offer of { {$400.00} } for opening a new checking account and funding with { {$15000.00} } and opening a savings account within 30 days of opening the account and then maintaining the balances for 60 days, within 90 days of these terms being met, the deposit of { {$400.00} } was to be released to the checking account. He ultimately was able to get them to review the account AFTER 12 phone calls and numerous threats of filing legal action against Citibank, and they finally released the bonus. He said to give them 5 business days and it should be in the account. I was out of the country for most of XXXX and when I returned, still no bonus or communications from this terrible deceitful organization. The customer service agent mentioned my checking account was closed and therefore the bonus was not valid. How does this make any sense? You close the checking without sending me any notifications and then tell me the XXXX that was deposited in the savings was all for not. This is very dishonest. All terms were met for the bonus! Pay the bonus! XXXX XXXX is a very rude customer service agent! 

I called yet again for the XXXX time on XX/XX/XXXX. Immediately upon the customer service agent answering I demanded to speak to a manager. I was transferred to XXXX. I went through the issue again with all details. XXXX looks at the account and tells me all the agents before me told me the wrong information. He now said that I needed to meet the requirements within 30 days of opening the account - which I did. He then said I needed to maintain the balances for 60 days - which I did. He then said Citibank has the option to wait the full 90 days after that before they had to pay the bonus, but usually pay it sooner - apparently not in my case. He now told me that the bonus was due, according to his " math '', on XX/XX/18. After that he said they were definitely out of terms. I was absolutely fed up and demanded to open a case dispute. He refused. He said, sorry but since Citibank is not out terms yet, I can't open a dispute. So I waited until XX/XX/XXXX - no bonus. It is now XX/XX/XXXX - no bonus. I can not continue to waste my valuable time trying to get this awful company to live up to their published offer. I am not interested in speaking with them again, banking with them, or quite frankly ever seeing the name Citibank ever again either. I want my bonus as I met the contractual requirements of their published offer and then I will be immediately closing my account and NEVER bank with them again.
Consumer complaint received 2022-04-25
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. (NV)

XX/XX/XXXX Experian, This is merely a paper trail so I can pursue damages in court to take legal action against Experian. I have sent in all the documentation needed to remove this address from my credit report. I have sent certified mail and filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) attaching the documentation as well with those complaints too. XXXX XXXX XXXX, XXXX, OH XXXX is not my address. I have lived in Nevada since XXXX. There are accounts that is attached to this address are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All these accounts are attached to the above address. I called the fraud department on XX/XX/XXXX and spoke with someone by the name of XXXX. He told me even though I sent in documentation that he still REFUSED to remove the erroneous address and accounts attached to that address on my Experian credit report. I told XXXX it is against the law to leave information on consumer credit report when supporting document has been sent in. Experian has acted like they have never gotten my police report I sent years ago. Experian act as if they never gotten any certified disputes through the mail. XXXX stated I needed to call the companies on my report that is reporting information that does not belong to me. I can not give these companies information that I am not aware of and the companies have not responded to my phone calls to remove information that does not belong to me! The burden of proof is not of the consumers when Identity theft or name mix-up is concerned. Im sure Experian remember this lawsuit below In XXXX XXXX Experian Information Services, the plaintiff XXXX XXXX Experian credit report was merged with another persons, who was deceased but had opened up accounts prior to XXXX being born. XXXX filed an Experian dispute that the account was not his and to remove it. Experian failed to correct the error, and XXXX then sued Experian for violating the Fair Credit Reporting Act and his consumer rights. I have reached out to the law firm of XXXX XXXX XXXX, XXXX. who will be proud to represent me in this situation. 

The lawsuit above is similar to what Experian is putting my through! Stop sending me repeated pre made letters stated verified! It is a lie! Experian did not verify NOTHING! 

Remove the address, remove those accounts attached and send my updated report to : Email : XXXX Address : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX attached police report and bank statement for my address verification
Consumer complaint received 2022-08-01
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 Section 602 A. I have the right to privacy 15 U.S.C 1681 Section 604 A. It also states that a consumer reporting agency can furnish a account without my written instructions
Consumer complaint received 2022-05-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (GA)

My name is XXXX. Im trying to know why I was sent to collections. It is from XXXX XXXX XXXX. I had monthly service with them of {$90.00}. Then out of the blue they sent me a bill of {$300.00} so I called them and they said they couldnt help it so I never payed it. And now in collections theyre saying i did not pay 3 months of service or something similar. But the truth is that I dont owe them that. I reached them about it and said they did not have any number to contact them. Now Im just sitting here waiting because they now have it in my record and I cant do some of the stuff I have to do legally. Come on! This is from XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (GA)

While reviewing my consumer report I noticed a Bankruptcy being reporting. 
I attempted to dispute and get the Bankruptcy deleted for a few reasons. 

1. There were several inconsistent data points on my consumer report causing it to be inaccurate. 

2. Equifax and XXXX stated that the US Bankruptcy Court reported the bankruptcy however, when I contacted the US Bankruptcy Court they stated that they do not report to credit reporting agencies, but obtained my public record from a Corporation called XXXX XXXX. XXXX XXXX used a database called XXXX to collect information about me, which is an infringement Upon my right to Privacy. Nor did they have a Permissible Purpose to my Written instruction ( Consent ). 

XXXX. XXXX XXXX stated that the US Bankruptcy Court reported the bankruptcy however, when I Contacted the US Bankruptcy Court they stated that they do not report to credit reporting agencies, but obtained my public record from a Corporation called XXXX. XXXX used a database called XXXX to collect information about me, which is an infringement Upon my right to Privacy. Nor did they have a Permissible Purpose to my Written instruction ( Consent ). 

( Violation 15 usc 1681 ( a ) ( 4 ) " Infringed Upon a Consumer right to privacy '' ) ( Violation 15 usc 1681b ( a ) ( 2 ) '' No Permissible Purpose/No Written Consent In Addition, FTC state , The Gramm-Leach-Bliley Act requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data.Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. Is your company following the requirements of the Privacy Rule? 

No, you are not following the requirements. As stated above my privacy as been violated Under the Gramm Leach Bliley Act.

15 U.S. Code 6801 - Protection of nonpublic personal information.
Consumer complaint received 2023-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

My loan balance is not correct. The current balance shown by Fed Loan is {$340000.00}. 

I have gone to Fed Loan and they do not have any loan documents to prove my loan balance which keeps accruing interest. I called and they told me to go to my loan servicer XXXX. They couldn't help and referred me back to Fed Loan. 

I proceeded to find out what my true loan balances were by going back to my university, XXXXXXXX XXXX ( currently XXXX XXXXXXXX XXXX ) and was able to obtain a transcript from the registrar showing my financial activity between XXXX when I last attended school. I graduated on XXXX XXXX with my XXXX XXXX. 

My transcript shows that I had a total of XXXX XXXX XXXX XXXX student loans of {$31000.00}. How did we get to {$340000.00}?
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc. (TX)

CONVERGENT OUTSOURCING is reporting to my credit report after years of me asking them to verify the debt and they have not. I haven't received any documentation in regards to this debt yet they keep reporting to credit reporting agency that the matter has been solved. CONVERGENT OUTSOURCING is violating my rights FDCPA, 15 U.S.C. 1692k ( d ), the Civil Rights Act, 42 U.S.C. 1983, and 28 U.S.C. 1331, 1337. Also violating state laws Section 392.101 of the XXXX XXXX XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.