davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (AZ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX Main bal. {$8600.00}
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Summit A*R, Inc. (OH)

I have disputed these accounts several times and reached out asking where is my authorized signature stating my consent to do business with them. They never send my signature meaning they illegally obtained my information from a bank or another consumer via internet or third party organizations. I asked to deleted off my credit report for it is affecting my score and other means of business.

15 USC 6802 illegally obtaining my information. 15 USC 1681B still havent received written verification of my signature stating I opened up an account with this business. 18 USC 1028A no lawful authority to use my info.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

On XX/XX/2023 my wife wrote a check for {$1800.00} to XXXX XXXX XXXX XXXX. 
The check was presented and paid on XX/XX/2023. 
This morning I discovered the check was rejected and the funds were credited back to my account. 
It was a frustrating experience to try to find out why such action was taken. 
Several bank employees could only tell me that a fraud agent decided not to pay check after calling me. 
No such call was ever received by me or showing on my phone log. 
The solution the bank suggested is to go to a branch or make some additional phone calls. 
Obviously Citi Bank needs to review their procedures and training of their staff. 
It is not the consumer who needs to run around to correct an " error '' of the bank which only benefit the bank by holding the funds longer. 
It is an embarrassment to have a check bounce specially when it is not your fault.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CrossCountry Mortgage LLC (TX)

THIS IS A CONSTANT ONGOING ISSUE WITH MY MORTGAGE CO. I'VE HAD TO FILE TOO MANY COMPLAINTS. WHY IS THE CFPB NOT DOING ANYTHING? CROSS COUNTRY MORTGAGE/MR. XXXX KEEP ACCUSING ME OF BEING LATE WHEN I'M NOT. NOR IS MY HOUSING AUTHORITY. MY HOUSING AUTHORITY HAS PROVIDED PROOF OF PAYMENTS TO ME AND I'VE PASSED THAT ON TO MY MORTGAGE COMPANY. CCM AGENTS HAVE TOLD ME THERE ARE ISSUES WITH THEIR SYSTEM NOT ACKNOWLEDGING SUBSIDY PAYMENTS. THAT'S NOT MY FAULT NOR THE HOUSING AGENCY. I GOT AN EMAIL FROM XXXX XXXX ( LOAN SERVICER ) ON XX/XX/year> STATING THAT THERE HAS BEEN NO ISSUES WITH MY SUBSIDY PAYMENTS AND THAT THEY ARE APPLIED ACCORDINGLY AND CORRECTLY. THEN TODAY, XX/XX/year>, I GET AN EMAIL STATING A CREDIT ALERT. SO I LOOK AT MY CREDIT PROFILE AND LOW AND BEHOLD, XXXX HAS REPORTED LATE PAYMENTS WHICH HAD A VERY NEGATIVE IMPACT ON MY CREDIT SCORE. I WILL ATTACH THESE DOCUMENTS I'VE SPOKEN OF. I HAD NO ISSUES WHATSOEVER UNTIL MY LOAN TRANSFERED TO XXXX XXXX XXXX XXXX, 2024. SINCE THEN IT'S NONSTOP ACCUSATIONS OF BEING LATE.
Consumer complaint received 2024-10-01
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Optio Solutions, LLC (TX)

On XX/XX/year> at XXXX from an unknown caller ; I answered and the man ( believe his name was XXXX XXXX on the other end ask to speak with me. I asked what he was calling about and he said it was a personal matter and asked me to confirm if I was the person he was calling to speak with. I confirmed and then he gave the disclaimer and said he was calling in regards to a check that was not honored due to insufficient funds. He then stated the check had been taken care of, but he was calling to collect on the check. I requested call back information so I could call back later this week with payment information. He then responded that that's not wasn't going to work with him and I then advised him that I work in debt collection and requested the contact information again. He responded if you're in debt collection then why are you in collections is it because you don't have any money. I advised him that he should know he can't speak to me that way and requested to be transferred to his supervisor then he provided the 800 number. 

I called the number provided and spoke with someone named XXXX who stated she was the man 's supervisor whom I spoke with earlier. I stated requested that she pull the call and listen to it and use it as a coaching opportunity because the way he spoke to me is not allowed. She asked me what he said that he would need to be coached on because she heard the call and didn't see anything wrong with what was said and I attempted to explain, but not before asking for her last name, she refused to give it to me and said if you're in debt collection then you would know that I don't have to give you that information. After I advised her that I would be filing a complaint and also filing suit she asked me if I knew it was illegal to write a bad check. I advised at the time that check was written it wasn't bad check however, the check was processed after other items had already been debited from my account. At this point my husband got involved in the conversation then it became an argument, and she eventually hung up. 

The company name is Qualia Collection Services. I was able to find their website and they do not have a license to do business in Texas. The number that was provided is XXXX.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : CITICARDS CBNA XXXX & CITICARDS CBNA XXXX
Consumer complaint received 2024-09-30
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: WELLS FARGO & COMPANY (MA)

On XX/XX/year> I received notification from my creditors credit monitoring service that there were hard inquires on my credit report that I did not initiate. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (CA)

On XX/XX/2023, I received a credit alert from XXXX XXXX indicating the following notification verbatim ( dropping my XXXX credit report by XXXX points ) : Balance Decreased : American Credit Acceptance account was closed - Between XX/XX/2023, and XX/XX/2023, your American Credit Acceptance automotive account appears to have been closed. 

Note : Upon initially contacting the creditor to confirm that in fact, my account is open and in good standing, I was advised that I needed to resolve this with the credit reporting agency to which I replied, NO your the creditor responsible for the misreporting of my account status impairing my credit rating and then asked for a manager to which I was transferred and formally filed a complaint with them along with a request to correct the reporting as I will not get back my XXXX points once its inaccurately reported. Nobody was able to provide me with details or verify the misrepresentation, and from my personal perspective FRAUDULENTLY misreported the current status of my account impairing my credit report by XXXX points. The only thing the representative I spoke with said was she would forward my complaint to their credit resolution department for further investigation and that I could call back in a few days to discover the status of the complaint. Concurrently, they also reported the following contradicting their misreporting of the account being closed as follows : Payment History Changed ( Positive ) Nice! It looks like your payment history was updated or corrected. The more one-time payments you have the better.

My Complaint : Misreporting/misrepresentation of account status that is conflicting. While they incorrectly reported the account closed - decreasing my XXXX credit rating by XXXX points their contradicting notice of positive payment history did not increase or correct my credit score. 

Contact for American Credit Acceptance : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (VA)

I have a monthly fee added to my Avant credit card accoun. I have never had a monthly fee on this card, never received notification of any fees. Avant said an email was sent XX/XX/XXXX, XXXX I stated I never received an email with a change in fees or conditions. I verified my email address with Avant. Asked several times what the monthly fee was and for the fee to be removed. Neither the agent or supervisor were able to answer my question or resolve my issue. I asked for Avant to resend the email. But Avant agent and supervisor stated they could not resend the email.
Consumer complaint received 2023-05-19
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. (IL)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2017-01-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AZ)

My funds are no longer secure at Wells Fargo. Advertisements have infiltrated between line items of my checking account online, a breach of ethics and privacy. I have tried from XXXX, 2016 to present, at the corporate level, to have them removed and get an answer as to why it was initiated XXXX XXXX # XXXX XXXX. They have been unable or unwilling to remove them. I have lost control of my account and so has Wells Fargo.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (MN)

Online credit card companies are all asking to send a SMS or text message to pay their bills or even see their statements. I have tried the following companies : XXXX, Amazon, XXXX, and XXXX. I have tried calling each and also their tech support. I can not afford a mobile phone and neither can a lot of other people. They are unwilling to change their access. This is discrimatory!
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> **To : ** Sequium Asset Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt.

Please provide the following information as validation : 1. **Proof of the Original Contract** : A copy of the original signed contract or agreement that bears my wet ink signature, showing that I entered into an agreement with Sequium asset Solution. Without this, I have no legal obligation to recognize this debt.

2. **Verification of the Amount Owed** : An itemized accounting of the amount claimed, including any interest, fees, or other charges applied to the original amount. 

3. **Proof of Authority** : If you are not the original creditor, provide documentation showing your authority to collect on this alleged debt, including any chain of title or transfer of ownership.

4. **Verification of Identity and Address** : Confirm that you are attempting to collect from the correct individual by providing information verifying my identity as associated with this debt.

Please be advised that until you provide the requested documentation, you must cease all collection activities, including reporting this debt to any credit reporting agencies. Any attempt to collect or report this debt without proper validation may be considered a violation of the FDCPA and could subject your organization to legal action. 

I request that you respond to this request within 30 days of receipt. If you can not validate the debt as outlined above, I expect this matter to be closed and any negative marks on my credit report removed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-10-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Skopos Financial, LLC (TX)

I traded my XXXX XXXX XXXX into XXXX XXXX in XXXX Texas 7 months ago for a XXXX XXXX XXXX XXXX the dealership paid my trade in off it was financed through Skopos Financial I have called XXXX XXXX many times to please update my credit report as paid in full but they have yet to update, still shows open and that I owe XXXX and change As well as my new XXXX XXXX!!! please help!!
Consumer complaint received 2024-09-28
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: DISCOVER BANK (AZ)

I have been a cardholder with Discover for approximately 10 years. 

For some reason, I have had ongoing problems with my cards being lost or stolen from the mail, and/or replacement cards being requested by fraudsters. 

In XXXX, this occurred. My card was used at, among other places, gas stations, restaurants, and hotels. I promptly reported it. I received a replacement card and have been hesitant about activating and using it until this is resolved. 

I have asked Discover to check if there is anything suspicious happening with my online banking. And I have changed my password. 

Today I checked to find, to my surprise, a balance in excess of {$1300.00}. Even more surprising, it did not show the transactions or dispute issues in the summary. Nor have I received any correspondance about this, and my last statement showed a credit of - {$12.00}.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (NJ)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

WELLS FARGO CARD SER XXXX
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

Subject account ; U.S. Bank XXXX XXXX XXXX XXXX XXXX account ending in XXXXFor several months the company has been reporting a balance of {$1900.00} dollars. 
Current Balance is {$0.00} Available balance is {$2000.00} I dispute this account several time with XXXX unsuccessful.
Consumer complaint received 2024-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

On XX/XX/year>, I submitted a formal letter to Nelnet requesting a review and correction of my consolidated student loan amount due to significant discrepancies. The letter outlined that, according to the U.S. Department of Education, National Student Loan Data System ( NSLDS ), my XXXX aggregate loan totals are as follows : Aggregate Subsidized Total : {$22000.00} Aggregate Unsubsidized Total : {$5800.00} Aggregate Combined Total : {$28000.00} However, Nelnet has consolidated my loans into a total amount of {$41000.00}, which exceeds my verified aggregate total by approximately {$13000.00}. This discrepancy suggests that the consolidation process included incorrect calculations of principal, interest, or fees that were not substantiated by my documented loan history. 

In my letter, I provided an itemized breakdown of my subsidized and unsubsidized loans by the university, along with disbursement dates that accurately total {$28000.00}. I also included the NSLDS documentation that reflects these aggregate totals and a corrected summary of the amounts that should have been considered in the consolidation. 

I formally requested : 1. A detailed explanation of how the {$41000.00} consolidation amount was determined, including any accrued interest, fees, or additional amounts applied that were not part of my original loan disbursements. 
2. A correction of the consolidated loan amount to reflect the accurate aggregate totals based on my documented loan disbursements. 
XXXX. A formal written response from Nelnet within XXXX XXXX, outlining their findings and any corrective actions taken. 

Despite these actions, I have not received a satisfactory response addressing the discrepancy or any corrective measures from Nelnet. I am seeking assistance to ensure that the company provides a clear and accurate accounting of my loan consolidation, as mandated by the Higher Education Act and federal regulations, and corrects any errors in the consolidation amount.
Consumer complaint received 2024-09-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

I closed my XXXX XXXX account via the chat agent on XX/XX/year> and there were no pending charges at that time. Note that XXXX tries to schedule a phone call with you to close the account but will not schedule it until after the next billing cycle has begun to try to charge you for another month. Instead, I worked with the Chat agent who sent me a link to close the account and of course I have screen shots of the entire transaction. The XXXX XXXX XXXX XXXX even sent me a message via text saying that my case had been closed and no further action was required. I also returned the XXXX equipment they requested at that time and of course have that receipt as well. 

Ignoring all this, XXXX continued to bill me even though I reached out to them numerous times to remind them that the account was closed on XX/XX/year>. On XX/XX/year> I sent them a paper letter again reminding them that the account had been closed in XXXX and included all documentation and receipts. 

XXXX ignored this letter as well, continued to bill me, and sent threatening letters and emails about not paying my bill. 

It appears they continued to try and bill me after the account was closed, which I did and will not pay, then sent it to collections as if I had not closed the account. I sent them a letter with all details on XX/XX/year> and never received any response. 

At some point it appears they even sent it to a 3rd party collection agency as it showed up as a collection on my credit report in XXXX. Of course, I have disputed this with the credit bureau, but no one has yet responded. 

This is clearly some kind of scam by XXXX to keep billing customers even after they have disconnected their service. They make it very easy to obtain service on line, but apparently nearly impossible to disconnect your service.
Consumer complaint received 2024-09-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

My Venmo account has been suspended for over a month and requesting to un-suspend it, they do not respond. They are currently holding approximately {$5000.00} of my business, XXXX XXXX. Please help me on getting this account active again or at a minimum retrieve the balance in the accounts! Thank you again.
Consumer complaint received 2024-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation (IL)

On XX/XX/year> I became aware of a judgement filed against me by Heights Finance. Between XX/XX/year> through XX/XX/year> I spoke to several representatives and supervisors in their collections department along with several law firms which they claimed had my file and could give me answers. For 4 days I spent hours on phone calls to get an amount due or a release of lien, to no avail. XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) said they do not have a file for me even searching by my social security number, the law firm listed on the judgement says he hasnt worked with their company for many years. I just wanted to get this resolved but they will not give me a listing of payments I made, the balance I owe ( I was told my balance just shows XXXX ) or a release of lien. Heights Finance claims they do not have the authority to give a payoff, I can only get it from the attorney. But they have no idea who the attorney is or where my file is.