davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at LVNVFUNDG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, three personal loan account under XXXXXXXX XXXX XXXX XXXX XXXX under the account numbers ( XXXX, XXXX, XXXX ) .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Auto Acceptance, LLC (OH)

You drive LLC HAS Fraudulent charges on my credit account. Im not liable for this debt with any of these creditors I dont have a contract with them. They did not provide me with the original contract as I requested. Correction to my credit report. I demand these account be removed from my credit report
Consumer complaint received 2020-01-25
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NC)

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 Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, 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 2020-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I tried paying for the credit card bill. According to the company, the payment was returned due to wrong bank routing/account number. They charged me a fee. Suspended/locked the account. I can not make any payment. I contacted the company to unlocked the account. They said they unlocked it and wait for a few days. I waited a week and tried paying again. It says the account is locked and contact customer service. I contacted the service again, they said wait a few more days. I waited and still not unlocked. Now I have a payment due with a suspended account. The company wants me to pay the bill but I can not pay the bill because the account is locked. I contacted the customer service again. Now they don't know what is happening with my account. The problem is, How can I pay the bill if they don't let me pay the bill? At the same time, they want to charge me the late fees and interest.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC (MI)

To Whom It May Concern, I am submitting this formal statement and complaint regarding the reporting of multiple, inaccurate late payments on my VERVE credit card account issued by Continental Credit Services. Despite maintaining compliance with all payment obligations on this account, I have found that Continental Credit Services has been reporting late payments erroneously.

I want to emphasize the illegal nature of this reporting as per the following federal statutes and regulations : 1. **15 U.S.C. 1681 ( 2Xi ) ** : This provision mandates that all consumer reporting agencies, furnishers of credit information, and relevant entities ensure that all reported credit information is accurate. False reporting of late payments violates this federal mandate.

2. **15 U.S.C. 1666 ( b ) ** : This law clearly states that creditors are obligated to correct billing errors upon notification, which includes any disputes related to incorrect charges, erroneous reporting, or any other billing inaccuracies. My requests for correction have gone ignored by Continental Credit Services, reflecting a complete disregard for this statute.

3. **12 C.F.R. 1026.13 ( Billing Error Resolution ) ** : This regulation obligates creditors to investigate, promptly resolve, and rectify any billing disputes reported by a consumer. I have made multiple attempts to resolve this issue directly with VERVE, XXXX, XXXX, and XXXX to no avail, indicating systemic non-compliance with federal billing error resolution requirements. 


These erroneous late payments have significantly impacted my credit report, despite my proactive steps to rectify this matter. After attempting resolution directly with VERVE via email to their back office per their instructions on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX disputing the inaccuracies also with XXXX, XXXX, and XXXX, I have yet to see any correction to my credit file. I made on time payments all of the months they are reporting late. XXXX and XX/XX/XXXX XX/XX/XXXX I sent Payment in the form of a bill of exchange via registered mail they claimed that they did not receive it for 2 months despite my provided tracking number. They then admitted that they did receive them but would not honor that method of payment. So XXXX and XXXX payments were made on time with standard checks which were accepted and applied which reflects on the statement I received however they are still reporting that they did not receive payment for XXXX and XXXX as well. 


I expect immediate action to address this issue, as well as the removal of all incorrect late payment records from my account. This complaint is submitted with the full expectation that CFPB will conduct a rigorous investigation to enforce compliance with the relevant statutes and to ensure that Continental Credit Services rectifies its ongoing unlawful reporting practices.

Thank you for your immediate attention to this urgent matter.
Consumer complaint received 2024-10-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (FL)

In XXXX, Comenity Bank called my sister-in-law of whom I have not spoke with in about XXXX  years and whom I do not communicate with about my debt and that I signed her up as a guarantor with my debt and that she was to pay it. This angers me because I have not spoke with these people in XXXX  years due to issues in our family and they dont need to know my business ever!!!
Consumer complaint received 2019-06-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WI)

I have contacted XXXX XXXX and Experian to obtain free annual credit reports in addition I have received the reports from transunion and from Experian but I have not received my XXXX report yet all these bureaus have a hard time verifying my identity when I call them or do the online process because I don't remember all my security questions and everything off the top of my head and so they have a hard time verifying my identity and then they're delaying it by telling me to mail in identity verification and so I do have a security freeze on all three credit reports and also fraud alerts that I put in place but those are the hard balls to me getting around at accessing my credit report and or dealing with day-to-day business with them
Consumer complaint received 2020-01-25
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. (NJ)

I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # 39 ; s. On XX/XX/2019, I mailed XXXX XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-10-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (NJ)

I originally accepted this loan to pay tuition for summer classes in XXXX. I entered repayment in XXXX, XXXX and have been making regular monthly payments since that time ( with the exception of several months of in-school deferment for my MA program ). After making payments for over 17 years, I currently owe {$6400.00} on this loan and have already paid {$15000.00} in interest. I believe that Navient ( now XXXX ) grossly mismanaged my loan and did not properly apply my payments. It is impossible to believe that one could pay a student loan for nearly two decades and still owe more than the original balance. I've called Navient numerous times for an explanation of how my payments are being applied to the loan and how so much interest has been added to the loan despite my payments. Every single agent and manager with whom I've spoken has given me conflicting or misleading information. I am financially struggling due to this predatory loan with terms and oversight that should have never been permitted in the first place. I would like for the CFPB to conduct a full investigation into Navient 's handling of this loan.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (NC)

I sent my XXXXXXXX XXXX XXXX XXXX  and proof of looking for work on XXXX XXXX along with a request for more XXXX XXXX forms and the only response I received is that XXXX XXXX is going to be with another department. I am confused as I email XXXX more form as requested on the form and they never answer. I am not sure if my XXXX payment will be applied.
Consumer complaint received 2024-10-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (PA)

its a previous laon through wells fargo i had insurance on my vechicle a XXXX XXXX they double charged me re [ ossesd my vechile wrongfully XXXX i was never paid back for all the double an overpayments i made not to mention all the mibney i had tp pay to get it back afetr it was repossed... i believe im owed money from a class acton law suit thast i was never made aware of or reccievdd... .please help
Consumer complaint received 2024-10-29
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: Lincoln Educational Services Corporation (PA)

In my consumer report Account Number XXXX XXXX XXXX of Account Name Lincoln Technical Institut is reporting inaccurate information. Account was previously disputed during multiple periods which are in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all disputes returned as resolved by data furnisher. The inaccurate information reported is Date Opened which reports a date of XX/XX/XXXX. I have electronic records from Direct Loans Statement disclosure XXXX XXXX XXXX Federal Direct Loan Program indicating that this date is not correct and that the correct date is XX/XX/XXXX. Also to add to this complaint this account is reporting multiple late payments which are unlawful under 15 USC 1681a ( d ), 15 USC 1681a ( 2 ) ( i ). This inaccurate information was obtained from XXXX. XXXX as well as Lincoln Technical Institut has failed to validate information during multiple investigations. For their willful negligence I seek relief from the CFPB.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (PA)

After reviewing my credit report, I discover accounts that I did not authorize. I'm sorry that I did not recognize or apply for about further investigation. I realized that my personal information was exposed, and several data breaches as well.

I have no recollection of applying for any of these accounts in question, and they are negatively, negatively. Oh, my gosh! Impacting my credit per section 50, Usc, 1,681 c dash 2. Any fraudulent accounts. That I did not authorize or signed a contract for must be removed off my credit report in 4 days.

These these fraudulent accounts are not only damaging my credit, but also causing me significant stress and XXXX Okay, I have no connection to these accounts, and urgently request their immediate removal to prevent to prevent any further harm to my financial well being
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

Online merchant XXXX automatically charged me for XXXX subscriptions in the amount of {$91.00} each for a total of {$180.00}, orders were placed on XX/XX/XXXX and XX/XX/year>. They never shipped out these products, and I tried numerous times to contact them, but their customer service line is disconnected, no response back to my emails, no responses back from social media DM 's, their social media account comments are also limited. 

I contacted my Macy 's American Express card to dispute these XXXX charges that were made using this card, and both disputes were denied without reason. I have reopened the disputes, called numerous times to be hung up and not given a reason why I can not get my money back for my losses.
Consumer complaint received 2020-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (HI)

I am XXXX XXXX XXXX. I am in the U.S. XXXX and have had issues with my father using my SSN for years. I currently have a {$750.00} debt in my credit report that I have zero knowledge about. I also have several hard inquiries to auto loan places in XXXX, GA where my father lives. Also his place of employment is on my credit report. As well as an alliance he uses with my name of XXXX XXXX. What can I do to fix this issue. This has been going on for several years and constant keeps popping back up on my reports. What can I do to fix this.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

XXXX XXXX  closed my account for fraud, which had nothing to do with me I explained twice in a claim that my phone was stolen and someone hacked all my accounts and my information was used In a bank check fraud scam, I have a memory XXXX which is documented where i cant remember things so i keep all my information and passwords in my noted and I have no lock on my phone, my financial aid was deposited into the account and they are not sending me what they owe me, im a XXXX XXXX XXXX  mom thats need my money and no one is helping me, thank you.
Consumer complaint received 2020-02-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Allgate Financial, LLC (TX)

JH PORTFOLIO DEBT EQUITY has been reporting derogatory remarks to the three credit bureaus for about four years. While this is apparently an old disputed debt from XXXX, I was never notified by JH PORTFOLIO DEBT EQUITY nor have I ever sign a contract with them regarding the dispute with XXXX. XXXX would call harassing me and calling me names when I lost my job and became sick. As many times as I begged over the phone and in writing, I was refused the right to a payment plan which was guaranteed by federal law. When I disputed the bill thru the FTC, XXXX removed the derogatory remarks from my credit history. However, the derogatory remarks started appearing under JH PORTFOLIO DEBT EQUITY. 

Under the Fair Credit Reporting Act, is it legal for a creditor to refuse to work with a person who falls due to indigent circumstances? Is it legal for a Debt Collection entity to assume reporting of derogatory remarks while never notifying the debtor of the alleged debt? Is it legal for for a Debt Collection entity to fail to follow requirements of the Fair Credit Reporting Act by notifying the debtor? 

What is the protection for debtors who fall prey to Debt Collection entities such as JH PORTFOLIO DEBT EQUITY who collaborate with creditors who have already violated the Fair Credit Reporting Act to continue ruin someone's credit after eight years?

I have continued to dispute this with the Credit Reporting Agencies. However, they continue to update as a valid date. How can the credit reporting agencies take the side of the creditor when there is a he said-she said scenerio?
Consumer complaint received 2024-10-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

A claimed ( XXXX ) was filed with Capital One Bank for a fraudulent transaction on XX/XX/XXXX. I tried to have the scammer refund me back the funds, but he refuse too. I waited until XX/XX/XXXX after exhausting my options. Firstly, the Capital One Bank rep. was questioning why I waited almost a year to file the claim. I explained the situation to him, but his tone of questioning was very condescending. I attached all my correspondence with the persons who scammed me. 
On XX/XX/XXXX, I received an email from Capital One Bank ( see attachment ). I called the number on the claim denial letter, and no on was able to give me a reason, or the process in which the investigated my claim. 
A complaint was submitted with the CFPB ( XXXX ) on XX/XX/XXXX against XXXX XXXX XXXX regard the scam/fraud of my {$1000.00}. His accomplice is XXXX XXXX. Email XXXX. All the communication was sent to Capital one Bank claim center.
Consumer complaint received 2020-01-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TD BANK US HOLDING COMPANY (PA)

Origination of the loan was XX/XX/XXXX. After being in a bad car accident XX/XX/XXXX I fell behind on payments _2.5months worth ( and I explained my situation and submitted documents regarding my car accident ). My car was then repossessed the same day I received notice in the mail. The notice stated we had until XX/XX/XXXX to retrieve before the car goes up for auction. My car was retrieved XX/XX/XXXX from the impound lot and my payments have been up to date since. Fast forward to XX/XX/XXXX, attempted to register the car and the PA DMV states the title was transferred to VA address on XX/XX/XXXX. I was in possess of the vehicle when the switch to the title was made. I reached out to TD Auto Finance and was told by one of the reps that the switch was done in error and that my account stated do not process because I was in possession of the car. I then reached back out to PA DMV and they stated that this is done quite frequently ; and unfortunately the registration can not be renewed if the info is incorrect. Contacted TD Auto Finance several times but to no avail. I then submitted a complaint with XXXX  and approx. 2months later the process started moving ( approx. XX/XX/XXXX ). I spoke to TD Auto Finance again in XX/XX/XXXX asking them how much longer would it take to correct the title info, because I have been paying a car note for a car I can not drive due to expired registration ( 3 months now ). I asked if I would get some form of credit or compensation because of this and was said no. Summarizing what was said to me, I was told because it was once re'poed there is really nothing they can do. 
When the car was repossessed I paid over {$2800.00} in past balances, repo fees, processing fees, and reinstating fees. After paying all that money out I believed my car was my car again. To learn that the title was flipped after I retrieved the car and paid my due seems unfair.