davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (NV)

*Company name DISCOVER FINANCIAL did a soft pull on my credit report on XXXX I did not initiate any transaction or relationship with DISCOVER FINANCIAL that would give them lawful access to my credit report. Under the FCRA, companies may only access credit reports for specific purposes, such as when a consumer applies for credit, or when there is a legitimate business need initiated by the consumer. This unauthorized soft inquiry, while not directly affecting my credit score, is an unlawful invasion of my privacy and an infringement on my rights as a consumer under federal law. 
This unauthorized inquiry poses a risk to my personal and financial security, as it involved access to sensitive information. DISCOVER FINANCIAL willful violation of the FCRA reflects negligence and disregard for consumer rights. Under the FCRA, I am entitled to statutory damages for this violation, even if no direct financial harm occurred, as the law prioritizes consumer privacy and security. 

Relevant Laws : 15 U.S.C. 1681b ( FCRA ) : Limits access to a consumer 's credit report to specific, permissible purposes.

15 U.S.C. 1681n : Entitles consumers to statutory damages of up to {$1000.00} for willful non-compliance with the FCRA, even if no actual damage occurs.
Consumer complaint received 2024-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ADP Inc. (OH)

I attempted to use ADP payroll services in XXXX of 2023. I never actually filed payroll with the company because the platform is too complex for small businesses. I immediately canceled the service after the first billing statement hit my business checking account. Even after multiple cancellation attempts over the phone, the company kept billing my business and withdrawing the monthly ACH payment. It was so aggregious that I had to close that business checking account to stop the payment. ADP has now sent the bill to collections and is still attempting to collect monthly payments!
Consumer complaint received 2024-09-18
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BSI Financial Holdings, Inc. (CA)

I was in forbearance from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX reported me as delinquent and late. My credit score is very poor, and my real estate credit report shows late payments. This is negatively and significantly impacting my life and delaying my chances of refinancing my home. I have been requesting them to fix it since XXXX and I've also requested official documents, but I have no answer or solution.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (PA)

I checked my credit report and noticed MOHELA is reporting student loans on my credit report as duplicates and I am not responsible for this error and would like this information corrected as soon as possible as it has affected my credit score and ability to move forward with my life decisions and purchases!!! I am submitting this complaint with your company as a reference to do my due diligence to correct and remove this matter!!!! I have asked them to provide me with authenticated documentation which they have not!! This is morally devastating and wrong to all citizens being vastly affected!!! I want an outcome and a favorable one at that!!
Consumer complaint received 2024-09-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: M&T BANK CORPORATION (ME)

I applied for a refinance of existing mortgage and requested additional funding of XXXX to the loan to pay off home equity. T hey denied the first one due to the fact we are both retired. I called her a few weeks later and said the tax return for 2022 was amended because the contents were inaccurate and didn't show my income along with the sale of my business. She requested that I send over the amended return for them to look at. 
That was 2 months ago. I requested an update or a denial letter and as of today have heard nothing..
Consumer complaint received 2024-09-18
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Regional Management Corporation (VA)

Regional Finance has repeatedly contacted associates of mine and distant family members in regard to my debt which they are NOT authorized to do so by me. 

In addition, they have contacted MY family members in regards to my husbands late loan payment and once again, very unsure of where they are obtaining the contact information of these individuals because we have NEVER given them authorization to contact our distant relatives about our accounts. 

It is baffling to me that a large company is getting away with doing this.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION (FL)

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX opened a bank account with Pentagon Federal Credit Union ( PenFed ) using my valid Social Security number. In XX/XX/XXXX, I received a phone call from a PenFed employee, XXXX XXXX, who falsely accused me of using a fake Social Security number and having a past conviction for fraud. Based on these false allegations, PenFed closed my account without investigation, causing significant financial and reputational harm. 

PenFeds actions violated the Equal Credit Opportunity Act ( ECOA ) and Florida 's defamation laws. These false statements harmed my reputation and caused emotional distress, financial losses ( late fees totaling {$500.00} and lost wages of {$1200.00} ), and irreparable damage to my creditworthiness. 



Key Violations : Defamation : False accusations of fraud and misuse of a Social Security number. 
ECOA Violation : Discrimination in a credit transaction based on unverified false information. 
Unfair Practices : Closing my account based on false claims, causing financial loss and emotional distress.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (PA)

XX/XX/XXXX my apple card closed for fraud that im not aware of. So my savings with them is on hold and I called them about what was the fraud? Fraud department didnt release any information about ( failure with consumer agreement ) and i asked can you explain what was that? they are not allowed to discuss it with me. They said wait for email for my issue. as of now didnt received any emails. I have been calling every week and still no update I could not access my savings because of the fraud issue. And today i called them again about the issue and Goldman sack bank said pay my credit card first before they will release my funds sound like a XXXX my funds.
Consumer complaint received 2024-09-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

For the second time in a month XXXX XXXX XXXX, in XXXX XXXX. Has used my address on loan applications for vehicles for other people, without my permission. I am a home owner and have owned my home for XXXX years. I have been receiving mail for these people with my address and their information requesting auto loans from this dealer. One of the incidents has presumably been resolved, as it was an error by the finance department for using my address on a flyer I received in the mail that I gave to a family member who was looking for a vehicle. Although this has presumably been resolved this should have never happened in the first place if they were to have checked paperwork properly considering this family member does not live at my address, get mail, receive bank statements nor paychecks to this address. All which I can assume were provided during the application process. The second individual who is using my address is absolutely no one I know, nor even the previous home owners. This home has never been used for a rental. I am very concerned that my personal address is being used by this dealership so carelessly and illegally I might add. When I spoke to the apparent finance manager XXXX he stated that he pulled the file for the named individual and that she provided a different address which he read allowed to me ( not sure if that violates any privacy laws for her ). But regardless that doesnt explain why I am getting credit applications for her with my address. I am absolutely not ok with this and concerned because it seems they are incredibly negligent with their paperwork.
Consumer complaint received 2024-09-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: WELLS FARGO & COMPANY (VA)

I have a Wells Fargo non-reloadable gift debit card. I activated the card several years ago and assume there is still a balance on it. The card has now expired. I reached out to Wells Fargo to determine the remaining balance because the funds do not expire. They told me they could not help me unless I can tell them what the initial balance was, and that there is no other verification they can do. The card was good thru XX/XX/year> so I have no idea the initial balance. They also refused to tell me what happens to the balance that I can only assume will sit indefinitely because I do not know the initial balance. 

I have to wonder how many other customers there are where they are holding funds hostage because of this very specific verification criteria. 

I have been a customer for over 40 years, and was an employee of XXXX for 32 years. This questionable practice is very disappointing.
Consumer complaint received 2024-09-18
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: CITIBANK, N.A. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Citi Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Dear XXXX XXXX, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form XXXX for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Amount Charged Off : {$280.00} I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. 
Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps, I need to take to facilitate this process, kindly let me know. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

XXXX XXXX XXXX  transferred an account, that they claimed belonged to me, to a company called Portfolio Recovery. I have asked them to provide me with proof of my debt and they have not provided me with any proof. Portfolio Recovery has been debiting my account of {$5.00} and have yet to provide me information on the debt. 

The amount of {$5.00} will no longer be taken from my account as I will be closing the account TODAY. 

There are multiple fraudulent activities on my account and this company has obtained my information without my permission and has NOT provided ANY evidence that this debt is owed by me.
Consumer complaint received 2024-09-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I requested and was approved for a Private Student Loan Misconduct Application from Navient after previously submitting a CFPB complaint. This was prior to the applications being widely available, when they were sending them out on a case by case basis after determining if a students loans were eligible to apply. 

My Federal Student Loans have been forgiven through the Borrower Defense to Repayment, due to widespread misconduct from XXXX XXXX XXXX There have already been several settlements from Navient for widespread, unfair and deceptive student loan servicing practices and abuses in originating predatory student loans for for-profit schools, such as XXXX XXXX XXXX 

They held onto my application for 45 days before denying my application and provided me with the following reason : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. I contacted Navient customer service for clarification per instructions on the denial and the only answer I was given was customer service doesnt know what criteria these loans applications are judged by so ( they ) cant help. 

There is no actual reason for the Denial given. This is another dishonest action from Navient to keep student loan borrowers indebted to them. There is overwhelming evidence of misconduct on behalf of both Navient and XXXX XXXX  XXXX tied to these loans. 

There is no reason my application should have been denied.
Consumer complaint received 2024-09-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MT)

On XX/XX/year> I sent in the application for school conduct discharge and on XX/XX/year> I was denied. I was not able to contact a live person until about the XXXX due to playing phone tag and my phone registering their number as spam, once I was able to talk to a live person she was not able to tell me the reason why I was denied the discharge giving me a reason something to the effect of using a proprietary formula to determine outcomes.
Consumer complaint received 2024-09-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (WA)

I initiated a new car lease with XXXX XXXX on XX/XX/year>. XXXX requires customers to pay some amount upfront before even sharing a preview of the lease agreement. This amount, called " due at signing '' is typically a combination of the first month payment, applicable taxes, documentation fee etc. I paid the due at signing amount of {$4400.00} before initiating the lease- this was a combination of the initial {$1000.00} deposit that XXXX requires to start the leasing process and the incremental {$3400.00} that XXXX said was due at signing. 

XXXX, for some bizarre reason, only gives the paper work the night before delivery. In the paperwork, the amount due at signing was lower- it was {$4300.00}. In good faith we assumed that XXXX, or Chase Bank who is the auto loan provider for XXXX XXXX XXXX, would refund us the {$170.00} that was incorrectly charged and adjust it in the form of a lease payment or issue a refund. I have been following up with XXXX for almost two months but there has been no helpful response. There have been two unhelpful responses but mostly all other email inquiries have gone completely unanswered. I first reached out to them on XX/XX/XXXX, gave them all screenshots and documentation proof on XX/XX/XXXX, but today it is XX/XX/XXXX and there is absolutely no indication that XXXX or their banking partner Chase are even working on this. 

Further, XXXX has no ticketing system and no escalation system. Their processes are so poor that everything is tracked over email so there is no recourse but to keep following up over email ( which goes into a blackbox ). I'm forced to lodge this formal complaint given the poor business practices, unfair fees, and lack of professionalism demonstrated by XXXX.
Consumer complaint received 2017-01-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IL)

I have a open collection on equifax 's credit report. i have disputed the validity of this with the collection agency ( XXXX ). they have sent me a letter stating that they have requested that this be removed from the XXXX agencies ( XXXX and equifax ) reports. XXXX complied and equifax refuses. i have disputed this and they insist it has been validated even though the collection company has stated in writing that this was an error and should have been removed.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (SC)

Numerous errors, been keeping track and stopped using banking online. Statements always miss the end of the month or first of month date. It always tells me what my current balance is currently that week of 3- 5days. Cashing checks provided by employer which is XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (CA)

PLEASE REMOVE THIS ACCOUNT IT HAS NO ACCOUNT NUMBER, NO CONTACT NUMBER, IT DOESNT MAKE SENSE THE WAY ITS REPORTED ON MY CREDIT PROFILE, THIS IS IRRESPONSIBLE REPORTING, ITS ON NO OTHER BUREAU THIS IS NOT MINE XXXX XXXX?
Consumer complaint received 2024-09-18
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (IA)

I was unaware of this debt until it appeared on my credit report as a collections account. I had co-signed a lease for someone over two years ago, and they defaulted on the lease agreement in XX/XX/XXXX. The property management company sent this debt to IC System in XXXX of XXXX. There was no communication from the property management company or the debt collection company, and the only way I was made aware of this debt was once it negatively affected my credit score by going to collections. When I contacted the debt collection company, I asked why there was no attempt at correspondence, which they refuted by saying they had sent me two text messages, one on XX/XX/XXXX and one on XX/XX/XXXX, neither of which I have records of. Even if these text messages were sent and I some how missed them, the extremely little effort put into attempting to inform me of this debt makes the whole situation seem suspicious. I have dealt with debt collectors in the past, and they called my phone almost daily, sent letters in the mail, and sent emails. Compared to that, this was extremely poor communication. I am fine with paying a debt that I am legally responsible for, but the fact that I was not made aware of this debt until there were negative remarks sent to the credit reporting bureaus is atrocious behavior. I attempted to call the debt collection company back today to settle the debt so I could get the negative remarks removed from my credit report, but apparently now my account has been transferred to an, attorney, and they would not tell me why this was the case. When one of the agents tried to transfer my call to this supposed attorney, I was automatically transferred to an automated menu referring to, Service Repair Contracts, which makes absolutely no sense. Now I am waiting to hear back from this so called attorney in order to make forward progress with paying off this debt.
Consumer complaint received 2024-09-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (AL)

Hello, My private student loans with Navient originated in XXXX or XXXX. I have consistently made monthly payments from the year I graduated in XXXX. My initial balance was approximately {$29000.00} and after over 10 years of payments the balance is over {$35000.00}. Navient consistently offered forbearance without communication regarding how this would impact the life of the loan. 
In XXXX I was diagnosed with stage XXXX XXXX XXXX. As a result of my treatments I have been unable to work since the winter of XXXX  and am also a single mother of XXXX. Navient has refused to offer any deferment for unemployment despite a successful payment history. As a result I was forced to watch my credit score drop hundreds of points and have calls multiple times per day even late at night from Navient. After over 100 calls i was offered a lower payment of {$170.00} for 3 months, I can not afford this but was told they wouldn't offer me any lower payments. There practices are predatory and demeaning.
Consumer complaint received 2024-09-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kora Financial (PA)

My name is XXXX XXXX it has been years months and weeks y'all account hasn't been added to my credit report yet please help me account email is XXXX I still need help my issues aren't resolved I can't get in touch with y'all by email or phone call and y'all not responding to my emails please readd it to my ssn because it's not on my credit report still etc.Update I cant get ahold of I have found your account and it shows that the {$100.00} loan was paid off early- is this not showing accurately on your credit report? The SSN we have end in XXXX- is that correct? Please reach out to XXXX to get this issue resolved- I will help you with next steps! I cant get ahold of the person below or they wont respond to my emails I sent them please help me and resolve my issue and fix my issue etc.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have never banked with with this bank every time I attempt to open me an account at a branch. There is an Old consumer report coming up with a collection that I have no knowledge about. I have contacted the identity theft and fraud department in relation to these collections that I have no knowledge of. somehow the bank allowed someone to open an account in my name has not sent me any letter or knowledge in regards to this. This account has affected my personal life. I am clearly victim of identity theft and have taken the steps to support that yet this account has not been removed.
Consumer complaint received 2024-09-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery has ruin my credit and my ability to purchase a home. Never have I signed up to do business with this company nor do I wish to do business with this company in the future. Furthermore Portfolio Recovery has engaged in identity theft. They are guilty of purchasing my private information such as SSN, DOB, name, address, telephone number etc. all without my expressed consent in the attempt to extort money from me.