davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (LA)

I received an alert that a derogatory mark was reported on my credit report, but I have never received any communications from this company - " XXXX XXXX XXXX. '' I do not have any information or communications from them regarding the alleged debt.
Consumer complaint received 2024-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

This is a follow-up to MOHELA 's XXXX recent response regarding the original complaint # XXXX. **Please refer to all attachments with the original complaint. MOHELA submitted a form letter, generic statement that did not address my very specific question, complaint, that they have not processed my XXXX XXXX XXXX originally submitted via their website on XX/XX/year>, and subsequent submissions of the application in XXXX. MOHELA 's response is unacceptable and they are to answer my original, specific complaint. Please note my statement of feedback below in reference to the original complaint. 

MOHELA failed to respond to my specific complaint regarding the XXXX XXXX application I submitted directly by uploading to their website on XX/XX/year>, then again multiple times in XXXX ( see emails in my original complaint ). Their response is a generic, form letter response that does not address the fact that they have not processed my application to enroll into a new XXXX  so I may be removed from XXXX. According to a new XXXX plan ( IBR ), I would not be subject to a forbearance, thus resuming making payments. MOHELA needs to process the application ( XXXX ) I submitted to them. If they are refusing to process my XXXX XXXX application; they need to provide written correspondence that explicates why they are not processing my XXXX XXXX application and/or reason for denial to enter into the XXXX plan XXXX MOHELA 's response is unacceptable and reflects MOHELA 's continued pattern of stalling tactics to delay Consumers from making progress towards loan forgiveness. Thank you.
Consumer complaint received 2023-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WI)

I got {$900.00} in Security deposit and {$900.00} a month rent from a client. She had paid rent until the moved out. I refunded the Security deposit to her in full and some portions of rent using cash app in XX/XX/2023. CASHAPP then reversed her rent payments and security deposit payments after she was already refunded the security deposits as well as rent prorations on XX/XX/2023. They did not offer me a chance to explain what the payments were for they didn't even tell me the reason the funds were removed from my account. I have legal documents, leases and ledgers to show these payments were for what she agreed and intended. 
These payments were also in my account for multiple months, and withdrawn so the funds they took where not money from her. Also one payment was from over 5 months before.
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00} ; XXXX. XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXXXX/XX/2021.
Consumer complaint received 2021-02-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (FL)

According to the three credit bureas the amount owed is XXXX {$1000.00} I contacted the emergency they didnt provide me with any infomation and infomred me to contact the debt buyer, I contacted the debt buyer who told me a month ago that I would received documentation for this debt within 30 days I asked the rep to provide me with proof of an itimized bill, date of service, service rendered and the physician name with my signature as a form of proof they told me all that information would be included in the documentation that I still have yet to recieve. Im convinced that this debt does not belong to me. I haven't been to the emergency around that time. Its so unfair that agencies like this exist becasue not only do they have my medical documents so to speak they have acces to my senstive information such as birthday and SSN Date opended XX/XX/XXXX Open balance XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX PHOENIX FINANCIAL SERVIC Debt Collector Last reported XX/XX/XXXX XXXX
Consumer complaint received 2020-08-25
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: Agency of Credit Control (TX)

I have a loan with XXXX XXXX, AGENCY CREDIT CONTROL ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX, AGENCY CREDIT CONTROL ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

Pretty simple. I didn't receive the {$300.00} bonus I am owed for opening this checking account and meeting the terms. From what I'm seeing online, this is a fairly widespread way of doing business for this bank. There are a number of people waiting for bonuses they were owed. I am one of those people. The {$300.00} was supposed to arrive within 120 days and it has been longer than that.
Consumer complaint received 2020-08-25
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: NAVY FEDERAL CREDIT UNION (TX)

I have a loan with NAVY FCU, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, NAVY FCU, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (VA)

I was late with a payment. I looked at my bill online and saw that I was being charged {$20.00} late fee. I called the bank, Truist, and talked to the representative about how your agency made a rule about how they can not charge me more than {$8.00}. The person I talked to told me it is in their card agreement that a late fee is {$20.00}. I asked to have the fee I was charged reduced to {$8.00} and the lady would not do it. I believe their terms are illegal and the Truist bank should not charge anymore than {$8.00}.
Consumer complaint received 2020-08-25
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. (MO)

My identity was compromised by a number of sources inwhich resulted in fraud on my credit file via the dark web and the XXXX breach inwhich is the root of this problem. Please remove and block the following unknown and unauthorized accounts. 

1 ) XXXX XXXX XXXX {$470.00} 2 ) XXXX XXXX XXXX {$760.00} 3 ) XXXX XXXX {$2100.00} 4 ) XXXX 5 ) XXXX XXXX 6 ) XXXX/ XXXX XXXX 7 ) XXXX XXXX XXXX  {$83.00} 8 ) XXXX XXXX {$760.00}
Consumer complaint received 2022-02-03
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-08-25
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. (MO)

My identity was compromised by a number of sources inwhich resulted in fraud on my credit file via the dark web and the Equifax breach inwhich is the root of this problem. Please remove and block the following unknown and unauthorized accounts. 

1 ) XXXX XXXX XXXX {$470.00} 2 ) XXXX XXXX XXXX {$760.00} 3 ) XXXX XXXX {$2100.00} 4 ) XXXX 5 ) XXXX XXXX 6 ) XXXX/ XXXX XXXX 7 ) XXXX XXXX XXXX {$83.00} 8 ) XXXX XXXX {$760.00}
Consumer complaint received 2023-03-01
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)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

I paid {$3700.00} dollars in exchange for an educational bootcamp. Upon entering said bootcamp I found no resources and plagiarized content which I couldn't use, leaving advertised services un-rendered. After coming to that realization, I then asked for a withdrawal from the program with a refund. I was then met with hostility and was told that I should promote said services even though I didn't receive them, and that not helping was the equivalent of calling her a " XXXX ''. As one would an assume, an uproar followed, questioning her on the response and logic behind it. She then deleted all communication channels in the discord, and called me personally to dis-enroll to which I agreed contingent only on my refund to which she agreed. I was then notified with a fake receipt and invoice number. I then contacted the assumed billing department by the name of stripe billing. They explained to me that the information provided did not exist in their system. I then contacted the merchant back asking for the proper information to track said refund. the merchant falsified resources and accreditation on all levels. I have not been notified or updated in any way since this request. I am XXXX of XXXX of people who are now victims of fraud. This is being reported with the intention of further legal action. She has done this to hundreds of us and is now sending cease and desist threats that are poorly written to attempt to scare students into silence. There are articles on this as well as recorded spaces XXXX videos. I then submitted a XXXX disputes, XXXX being # XXXX and the other being XXXX to Chime XXXX XXXX ), XXXX was on my chime credit card and the other was on my debit card and within less than XXXX hours both disputes had been denied stating how no billing error occurred, not only is this not relevant its also inaccurate, this is a FRAUD claim and there is absolutely no way due diligence or proper review was done in less than XXXX hours. I sent ample amounts of proof. Documents, articles, and screenshots, there is no way this should've been denied. This is obviously a ploy to keep people from retrieving DESERVED compensation.
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Dear Collections and Consumer Relations Dept. : I was recently informed of negative information reported by [ Name of Bank ] included in the file ChexSystems maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a [ negative item listed ] in [ month and year of listing ]. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX : XXXX BANK ; XXXX XXXX XXXX, XXXX, NC XXXX Number : Telephone Number Not Available Inquiry Date XXXX XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Number : XXXX On Behalf Of : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Number XXXX Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX am unaware of ever having a these items from this list Please validate this information with XXXX and provide me with copies of any documentation associated with this Suntrust bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( 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, CFPB and the state of Minnesota Attorney General 's office, 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.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Your Address Sincerely, XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

am filing this complaint against Capital One Bank for failing to respond to my Conditional Acceptance letter, unlawfully charging off my account while still attempting to collect on the balance, and reporting negatively on my credit report. Additionally, they have violated the Fair Debt Collection Practices Act ( FDCPA ) by continuing to collect on an account that they have already charged off. 

Here are the main issues : Failure to Respond to Conditional Acceptance : I sent a Conditional Acceptance to Capital One in XXXX of 2024 inquiring about my account, interest owed, and details regarding the securitization of my account. Under UCC 1-308 ( Reservation of Rights ), Capital One has failed to respond, and therefore, they have tacitly accepted my terms. Yet, they continue to deny me access to my account or offer any meaningful resolution to my concerns. 

Charge Off and Attempted Collections : Capital One charged off my account, which should indicate the account is no longer collectible. However, they continue to try and collect on this " charge-off, '' which is a violation of the FDCPA. This includes attempts to demand payment through collections, despite having written off the balance as a bad debt. 

Negative Credit Reporting : Despite the charge-off, Capital One is continuing to report negative information about this account on my credit report. This has caused a significant impact on my credit score, further harming my financial standing. 

Securities Fraud : I believe Capital One has securitized my account without my knowledge or consent. I request full disclosure of whether my account has been bundled as a security, and if so, I am owed the interest and equity that may have accrued from such transactions.

FDCPA Violations : By continuing to attempt collections on a charged-off account, Capital One is violating the FDCPA. They have failed to follow the legal process for collections, and this constitutes unfair and deceptive debt collection practices. 

Relevant Laws and Regulations Fair Debt Collection Practices Act ( FDCPA ) : Capital One is attempting to collect on a debt that has been charged off and continues to report the account negatively on my credit report, which violates the FDCPA. 

Truth in Lending Act ( TILA ) : Capital One has failed to disclose the true terms of my credit account, especially regarding the securitization of the account and the interest owed to me. 

Uniform Commercial Code ( UCC ) 1-308 : Capital Ones failure to respond to my Conditional Acceptance letter violates the principle of good faith and fair dealing. 

Securities Fraud : Capital Ones potential securitization of my account without disclosure constitutes securities fraud.
Consumer complaint received 2022-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I already sent few rounds of dispute about them. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private information
Consumer complaint received 2021-02-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (SC)

Midland Credit Management , Inc has been calling and harassing me for weeks. I have sent them a cease and desist letter multiple times, the last one by certified delivery via XXXX with a signature required and tracking showing it was delivered. This company has called me multiple times a day, every time they call its from random phone numbers. Its never the same number, when I answer the first thing they say is Dont hang up or you will be sued. - they have also sent me multiple letters threatening to sue me for a balance that they have yet to very that I owe. I submitted to them in writing a denial of debt letter and a request for verification and proof of debt, they have refused to respond to. They continue to send me threatening letters indicating they are going to file a lawsuit as well as indicating that my credit will be impacted by such lawsuit. If I refuse to provide them with my personal information over the phone they immediately hang up on me. This company has been harassing me for months!
Consumer complaint received 2020-10-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Ive disputed the same account multiple times but to not avail. I disputed an account on XX/XX/2020 with XXXX XXXX XXXX XXXX. 
and never received any follow-up communication from the company to validate or further the investigation on my request. 

I called them yesterday XXXX XXXX XXXX ) because I settled a debt with the same original credit furnisher XXXX capital one ), not realizing that they were two separate accounts. They told me that the account was still in dispute status for {$900.00} dollars, and is still being reported to The CRAs as accurate information ( as of the XXXX of XXXX XXXX even though its in dispute status. 

I told the manager that, by law, they are required to make a determination within 30-45 days but is has been reported ( since XXXX, 2020 ) that the credit is accurate. They didnt do their due diligence and refuse to take any further actions. The lady even stated that they had 90 days to make a decision and they were giving me more time due to the pandemic, which is not upholding the law, but also not a circumstance I asked them to make.