davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TD BANK US HOLDING COMPANY (NY)

I was trying to obtain a loan from XXXX but I was denied the loan. I then requested my credit report which identify TD Bank USA/Target credit card account.I am stating categorically that ever since, I never use store credit card apart from XXXX XXXX  credit card.Again my bill always pay in time.
Consumer complaint received 2023-07-28
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: I.C. System, Inc. (TX)

In accordance with the Fair Credit Reporing Act, I C System has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

With regard to I C System who is the collection agency responsible for an original debt owed to XXXX. 

First and foremost, I C System furnished my credit report to the credit bureaus for the purpose of investigating a dispute without my written instuctions which has violated both section 602 A and Section 604 A Section 2. 

Furthermore, the dates reported on my credit report are incorrect. The date the account is listed to have been opened is fraudulently reported. I have disputed this information with IC System in an attempt to rectify the incorrect dates appropriately, however, I C system continues to knowingly report false information on my credit report. 

Some versions of my credit report depict different account information than other version of my credit report reporting on this same account, a clear and obvious depiction that I C System is reporting incorrect information as I C System, themselves, can not even keep the information straight.
Consumer complaint received 2020-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint purchased by loan following XXXX bankruptcy. When the transfer occurred they added my mother back on the account ) XXXX XXXX XXXX ). She was never a signer on the loan. SHe also quit claim deeded her name to the property over 10 years ago when she filed for bankruptcy. Title of the property is in Trust and they appear to not like that. There is nothing they can do about it 15 years later. Technically, leaving my mother on the account would discharge the debt which would be adversarial towards Shellpoint, the new loan servicer.
Consumer complaint received 2023-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

After a re-appraisal of property value for my home, I formally requested private mortgage insurance deletion as the 80 % loan to value criteria has been met ( 77.9 % according to PennyMac representatives and letter received ). I am not being told my loan to value must be below 75 % which is not a referenceable criteria outlined in the Homeowners Protection Act of 1998, which seeks to protect consumers and homeowners from this kind of nefariousness.

I have formally requested a review of this from PennyMac in early XXXX and have not received response. Multiple follow-up calls have not yielded any resolution.

My final correspondence with PennyMac on this subject was on XX/XX/XXXX where I was transferred to a supervisor by the name of XXXX XXXX who effectively read the letter which I received nearly two months ago and did nothing to further escalate my request for review and subsequent deletion based on above outlined criteria.
Consumer complaint received 2023-07-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am writing in regard to an alleged account that originally reported as delinquent in XX/XX/2016. So allegedly the other account was reported delinquent in 2016 yet Portfolio Recovery is illegally reporting this debt and threatened to sue me having an illegal adverse effect on my name and background. The amount of threatening and harassing calls I receive from them is insane. Not only is it not my debt, but this is a really old debt per their records. Additionally, they are reporting to reporting agencies, consumer agencies and credit bureaus despite this illegal/erroneous debt being over 7 years delinquent. 

There seems to be on-going illegal patterns and practices and intentional systematic old debt collector activity that Portfolio Recovery Services engages in. They obtain erroneous/fake old debt list from creditors, change the date of delinquency or date of open of the debt then begin harassing and threatening consumers to pay. They have robo-calls call several times a day threatening to take legal action and harassing consumers. They illegally change the date on the debt so they can harass, threaten and attempt to collect for longer periods of time. This is illegal and they should be investigated for patterns and practices of abuse. 




FEDERAL VIOLATIONS The Federal Credit Reporting Act ( FCRA ) provides that adverse information can not be reported on a background check longer than 7 years from delinquency date, even when unethical debt purchasers purchase debts. Such purchasers of debts can not make up dates and start delinquency dates years from the original delinquency dates. Such debt collection practices are illegal and will be reported to Consumer Financial Protection Bureau ( CFPB ) for the agency to investigate patterns of illegal practices /class action litigation. They are violating my XXXX Rights by reporting erroneous, outdated adverse information on my background preventing me from obtaining employment. 


CALIFORNIA VIOLATIONS The new California Law requires that : All debt XXXX and debt buyers operating in California are required to apply for a license with the Department. A license is required to do operate, do business, and collect debt in the XXXX of California. 
The statute of limitations on debt in California is ( 4 ) four years, as stated in the state 's Code of Civil Procedure 337, with the clock starting to tick as soon as you miss a payment. 


They are trying to collect {$11000.00} of money not owed to them
Consumer complaint received 2018-10-25
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: CAPITAL ONE FINANCIAL CORPORATION (UT)

XXXXXXXX XXXX client XXXX XXXX is a victim of identity theft. His information was used without this consent to apply for several credit cards. While no accounts were established the fraudulent applications left inquiries on his credit report that have a negative impact of his credit information. The applications were submitted to XXXX XXXX  XX/XX/XXXX, XXXX credit card XX/XX/XXXX, Kohl's/Cap One XX/XX/XXXX. Official disputes were mailed certified mail with return receipt to each office on the same date XX/XX/XXXX, as of this date none of these offices have replied to my client to the status of these disputes. This is a violation of the FCRA and my clients federal consumer rights.
Consumer complaint received 2020-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (VA)

I filed a complaint on XX/XX/2020 ID # XXXX and Navy Federal Credit Union has once again locked down my account and I have to contact their Security office. I was trying to deposit 3 more paychecks, had a total of 6 waiting on deposit, since they will not allow the deposits to go through, they are rejected, not approved. Finally 3 were resubmitted and being held until the checks clear, since they were already deposited once, are payroll checks issued some time ago and I put a large check mark on the face of them with the date I first mobile deposited them. Since that time 3 more paychecks have been acquired and held because of the rejection of the first 3, but now that the first 3 are pending, wanted to get the other 3 deposited quickly, so when they are held for a week, I will have some funds to buy food and gas. I wasn't able to make my second rent payment via XXXX for several days and only because my tax return was direct deposited, were there funds available to pay my rent. I have to make the rent payment in two transactions on two different days, but the transactions were denied on the first of the month because it took me 5 days last month to fight with the bank and get a new bank account established before they would allow me to pay the rent via XXXX, so this month 's rent was also delayed and I expect it will be so from now on, which is unacceptable. If it weren't for COVID-19 I would have closed this account and gone to another bank. As with credit unions I was referred by my daughter, XXXX XXXX XXXX XXXX who is employed at the XXXX XXXX XXXX. I am employed by XXXX XXXX. The principle person for both of our memberships is my ex-husband and her father who served in the XXXX XXXX during the XXXX XXXX. XXXX XXXX XXXX is our son and the person to whom the paychecks in question belong. I am tired of not being able to use my account and have access to deposited funds or to make deposits in order to pay my bills in this day and age, much less during COVID-19. This is entirely unacceptable behavior and I am at a loss as to how to get the funds deposited until COVID-19 is under control and I can open another account ; funds have been marked " for eDeposit only to NFCU '' as per NFCU instructions, but they are rejecting the paychecks. The first paycheck from this employer was deposited in mid XXXX very soon after I opened the account. I made that deposit in person at the desk, but every pay check since then has been blocked.
Consumer complaint received 2023-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GLOBAL CREDIT UNION (WA)

A couple weeks ago I had some unfamiliar transactions I noticed while doing online banking. I called XXXX support using the phone number that was connected to these transactions. After about a week and a half of working with what I believed was XXXX supports fraud/hack department- I was informed by my credit union that the XXXX support was not the real XXXX support and {$15000.00} was taken from my bank account and another thousand out of my XXXX wallet
Consumer complaint received 2020-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

A few years ago I signed up to take a course with XXXX XXXX. I made one payment and received one book and I called the school letting them know I will not be able to continue the course and after that phone call I never heard back from the college no emails, no phone calls, no mails. When I check my credit report and I notice Ability Recovery Services states that owe this XXXX money. At some point they remove the debt and then add it back on which is totally illegal. 

If I owed XXXX XXXX any funds, why didn't the school reach out to me or sell me my debt for whatever percentage it was sold to Ability Recovery Services. 

This Company is a scam and they need to be stop.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (TX)

On or around XX/XX/2023 I lost my Prepaid debit card. I last used my card on XXXX { {$16.00} } earlier that same day, I went to the gas station that may be where I lost my card. I eventually went home and realized I lost my card. I immediately called to get a replacement card. I then realized that someone found my card and was using it without my permission. I followed the instruction of the representative and soon filed a dispute but it didnt include all charges so another dispute had to be filed a day later ). I was told I would receive a provisional credit in 10 days while they investigated my dispute. The unauthorized transactions were : XXXX { {$20.00}, {$50.00}, {$20.00} ) XXXX XXXX XXXX XXXX XXXX totaling over {$2000.00} approximately XX/XX/2023 The bank decided to close my account, refund me the remaining balance that was left in my account after the fraud { XXXX } And stated no error occurred and I would not be receiving any refund from the dispute I filed. The agent sent an email to me this all occurred today after I filed a XXXX  complaint the bank decided to retaliate for me asking question.I have since then made several calls and asked for the documentation they used to come to their decision, but I have not gotten any satisfactory answers. I followed all the bank 's protocol for losing a debit card, ( I notified them within 5 hours after losing it. ) I filed a dispute once the transactions posted to the account. But yet they are denying my dispute and closing my account. I think that is very unfair. The agent told me that they determined since I filed a dispute for charges I didnt conduct after my paychecks went into the account that I mismanaged this account or caused account abuse when I asked for explanation as I havent violated any terms and legitimately didnt make these purchases the agent told me that they feel Im a high risk because I filed a complaint. This feels like consumer abuse and again NetSpend intentionally withdrew the money and then blames the consumer and when you question them about it they immediately close the account and say you are high risk.
Consumer complaint received 2020-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/XXXX a dispute was started verbally with TransUnion regarding a line of credit bank account that has been in default since XXXX. This account was transferred from one bank division to another with a different address and is now being reported as 2 separate charge-offs instead of 1 old one. One bank address only shows the last 5 digits of the account number while the 2nd bank address shows the full account number. It is only one account split into 2. One says paid in full/was a charge off and the other shows unpaid balance. Both are reporting different closed dates. 
This reporting as 2 charge-offs, one of which appears as if it happened recently instead of almost 7 years ago has caused serious damage to my credit report, dropping my score by over 100 points! I dont understand how 1 account can be split and reported as 2 after over 6 years when they have the same account number.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On Monday, XX/XX/XXXX I called Capital One as I noticed three accounts were frozen. I was told that day that my accounts were closed and I would receive a check or payment to a linked account. Ive called multiple times to get a status to no avail. Ironically I can not pay my Capital One credit card due to the accounts free/closing.
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (FL)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX & XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX & XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2018-10-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (CA)

There were unauthorized charges to my account from a Merchant XXXX XXXX XXXX. I contacted them and after numerous emails they acknowledged that my card had been used for separate accounts. They said they would return monies owed if I could provide them transaction codes linked to charges. I contacted Netspend asking for such codes. Netspend wasn't  able to provide me with any. XXXX XXXX said they couldn't process refund without them. It was suggest I file a claim. I did file a dispute with Netspend. After 45 days I received a letter telling me that upon investigation they didnt find any errors and would not be issuing me a refund. Yet they accidentally  credited my account for the international transaction fees after denying my claim. I have emails from XXXX who states upon their investigation they determined their was fraudulent use of my card. Their intention of returning funds. Netspend can take my monies back and wont. XXXX XXXX says they additional information. I am not sure what recourse I have because this a prepaid card through XXXX. The merchant acknowledges fraud. I said it was fraud. Why doesn't Netspend move forward and take back monies
Consumer complaint received 2018-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have disputed the late payments on XXXX XXXXXXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX accounts for months. Equifax refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-10-27
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. (MD)

I have disputed this account XXXX with the original collection agency. Which resulted in a deletion with XXXX and XXXX. This account Still Remains on Experian as verified which is a violation. I asked Experian to send me all verification and papers and documents pertaining to this account, which they have not provided. If this matter can not be resolved in a timely fashion I will file a claim in small claims court to recoup all damages.
Consumer complaint received 2023-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AZ)

I need a description of the specific forbearance or deferment periods, and I request an account history from my servicer. You put me in deferment and forbearance for years which counts for the time I have to get rid of this loan. I need an exact count of how many years I have toward forgiveness. Last year I also took classes in real estate and received a certificate. You have all the paperwork in your records that I sent you and probably more you havent sent me. I have a borrower 's defense and a forgery accusation out right now and I am in forbearance until 2026.
Consumer complaint received 2018-10-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical-Commercial Audit Inc (IL)

On XX/XX/2018, after looking at my credit report I found out that Med Com AU is stating that I owe 2 collection items at XXXX. I never had an account with Med Com AU. There is no number, or addresses listed to contact them. I contacted the original creditor listed XXXX  and they told me that they no longer have the account. I asked them to validate the account and they told me that I wrote 2 checks for 2 separate amounts. They said that they would send them but never did. Based on the credit report they show that owe a total of {$80.00} for both checks. I'm still waiting for validation and I have disputed this with XXXX  credit bureaus 2 times already. Once on my own in XX/XX/XXXX, and another time with XXXX XXXX XXXX 's help at the end of XX/XX/XXXX. Each time XXXX   tell me that I have to wait 45 days and then they say its valid. I asked for proof of validation or investigation process and they will never give it to me. The account is also showing open and it previously showed a closed item. Now, it's showing open. I'm disputing the account again. 

As a result, this is hurting my credit score and preventing me from getting credit, or financing on my home and any other credit.
Consumer complaint received 2018-10-27
Product: Credit card or prepaid 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. ()

This is reference to a CITIBANK Add-On card ending .... XXXX in the name of my daughter that was stolen on the evening of XXXX XXXX US EST. Soon after it was stolen, 5 transactions were carried out [ using this card ] at a nearby store in XXXX, even without using the PIN. The amount was close to USD 5000. The card was blocked immediately following the transactions. 

My daughter filed a complaint with the XXXX Police, informing them of the theft of the card. A copy of the complaint number is attached. Also attached in the XXXX and a detailed copy of the police report. 

Thereafter, I had spoken to executives at Citibank confirming the theft and the nature of transactions performed. I was informed that the transactions were now being considered 'disputed ' and a decision to this effect will be taken. 

Have being speaking to the executives on multiple occasions with no response. The amount is still shown to be outstanding in my account.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (TX)

I did not authorize the following accounts. Please see the attached data breach ID claim and credit report and remove these accounts from my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Please note that the first account is reporting 2 different account numbers ( XXXX and XXXX ) which is a violation of the FCRA.