davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Malcolm S. Gerald and Associates, Inc. (AZ)

Company calls continually, yet wont tell me what this is about unless I disclose a ton of private information. I am certain this is about a paid doctor bill, that another company tried to collect on until I sent them my paid statement. It appears that company sold the debt to this company once they knew there was nothing to it. This company wont even attempt to let me prove I do not owe the debt.
Consumer complaint received 2024-04-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE (GA)

On XX/XX/2024, I opened a checking and brokerage account with Charles Schwab and I got approved on XX/XX/2024 for Level 1 Options trading and received confirmation that my account was fully ready on XX/XX/2024. On XX/XX/XXXX, I received an email stating that during a recent review, Charles Schwab found that the brokerage account doesn't meet Schwab 's business guidelines and that they were closing the account. I haven't used the account nor do I have any illegal or unusual activity with this account nor with any bank for that matter. Charles Schwab has failed to provide the basis for closing my account and I am considering arbitration or litigation if necessary. The only plausible reason that I can think of as I don't have any issues with other banking institutions, is a current settlement agreement with XXXX XXXX where XXXX XXXX failed to remove the information from a closed account from XXXX XXXX XXXX XXXX XXXX within XXXX days after our arbitration as my account was closed for excessive overdraft fees though during my transactions, my account was actually showing a positive balance. I am actively pursuing litigation against XXXX XXXX for breach of contract for failure to adhere to our agreed stipulation in our settlement agreement and I believe this is the reason that Charles Schwab closed my account even though I was initially approved.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TN)

Around XX/XX/XXXX, I submitted an application to Chase for their Saphire credit card, which was denied on XX/XX/XXXX. I contacted the reconsideration department for an explanation, not understanding the difference between XXXX and XXXX XXXX I assumed their system was in error. The representative ran my score again at that point. When I said, " WOw- how can this be? '' She ran it another time. I was upset ; again, at this time, I was not educated on the different scoring models. I explained to the representative that I had seen my XXXX score earlier that same day. The representative ran it through XXXX and still denied my application. Throughout this process, I was unaware that my credit was hit that many times ; my assumption was that they were conducting an internal check on their system, since I disagreed about my score. The representative was very harsh and rude in the way she spoke to me, as if a person " like me '' should have just known I wouldn't be approved. I was offended and hurt by her comment, not sure if a " person like me '' was referencing my XXXX or veteran status. Previously, she asked how it was that I had he income that I reported in a way that let me know she did not believe it. She also stated that she the application was reviewed as if the income was before taxes. I explained that all of my income ( due to it being SSI and VA XXXX ) was tax free. She seemed upset for and asked me if I could show this " income '. I said " absolutely '', but she quickly changed her mind and said, " We don't require you to do that. '' That indicated to me that she had a personal bias about my XXXX, veteran status, and the ability to produce the income if asked. When I made an complaint, the executive branch contacted me, and he was just as rude and nonchalant as she was. He did not care to address the treatment from the representative and only wanted to tell me that my credit was not " good enough ''. He then told me that after running my credit an ADDITIONAL time, I was still denied. This angered me even more. I asked him why my credit was ran again, and all he did was apologize. I then brought up the fact that the previous rep had already ran my credit 3 times in a short span ( 1-2 days ) and he said there was nothing he could about it. I said, " Chase did not have my permission to hit my credit multiple times like that! '' He simply repeated that he was not going to do anything about it because " Chase has the RIGHT to run your credit as many times as we need to see if you qualify for our cards. '' I am asking for an apology ( genuine ) from Chase about the discriminative treatment I received, and to PLEASE remove the additional, unsolicited credit inquiries from the credit bureaus.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I am a victim of identity theft and have filed a FTC Complaint about this known issue. 

I noticed a Capital One card reporting to my credit report. I have attempted to have Capital One validate the debt. They have failed to do so, but continue to report the inaccurate information on my credit reports causing undue hardship.
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION (IA)

I must bring to your attention that the mortgage servicer M & T Bank has failed to follow the Real Estate Settlement Procedures Act ( RESPA ) by not notifying the borrower of the negative escrow balance that initially occurred in XX/XX/XXXX, and failed a second time in XX/XX/XXXX, failed a third time in XX/XX/XXXX, and subsequently failed a fourth time in XXXX of XXXX. 
It was not until the escrow account had been allowed to reach a negative value of nearly {$7000.00} in XX/XX/XXXX that M & T Bank contacted the borrower regarding the shortage. 
Due to this repeated failure to comply with RESPA, the borrower no longer has faith in the servicer 's ability to promptly and effectively manage the escrow. Additionally, a direct consequence of this negligence has resulted in the borrower 's mortgage payment doubling, causing extreme financial strain and hardship. 
Failure to comply with the Real Estate Settlement Procedures Act ( RESPA ) can result in various penalties and consequences. Some of the results of non-compliance with RESPA include : Penalties and Fines : Companies that violate RESPA can be fined as much as a few XXXX XXXX dollars in damages Civil Liability : Violators may be subject to civil liability of up to three times the amount they were paid and any attorney 's fees Criminal Liability : In some cases, a violation of RESPA can include jail time of up to 1 year Enforcement by CFPB : The Consumer Financial Protection Bureau ( CFPB ) is responsible for enforcing RESPA This is a vehement example of predatory behavior by a mortgage servicer that should not be allowed.
Consumer complaint received 2024-02-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Aspen Yo LLC (FL)

I have been trying to obtain a short sale approval with the lender through its servicer GREGORY FUNDING, the file was sent to the same person XXXX XXXX 4 times ; however, this individual called us in order to request the removal of our realtor for the deal or else the servicer and lender will not approve the short sale ; the realtor never spoke with her before, XXXX XXXX spoke with the realtor 's processor ; XXXX XXXX does not like the realtor 's processor, and she is refusing to work with her, so she called my ex-wife ( " the borrower '' ) twice already in order to request for her to be removed as realtor from the short sale, and the realtor represents the seller and the buyer in this short sale. I believe that is unfair and illegal that this person requested this ; moreover, this is even worse that they DENIED the short sale because of this. The Servicer Gregory Funding made us wait hours before they answered the phone, and if you leave messages to XXXX XXXX, she will never call back. 
There is nothing else to do in the short sale, the counter offer was sent to them, and they did not provide the appraisal results to us.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (GA)

On XX/XX/2024, the complainant requested a file, and the company failed to comply. 

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information contained in the files of consumer reporting agencies. I have the right to know what is in my file. 

I requested to obtain the information about me in the files of the consumer reporting agency, which is referred to as a consumer file disclosure. 

Early Warning failed to provide me with my file disclosure, as they are required to provide sufficient information to allow Early Warning to validate your identity. This may include sharing my Social Security number. Early Warning will provide my file disclosure free of charge.
Consumer complaint received 2015-10-23
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (IN)

I have a rushcard with direct deposit. I found out that they were having problems and sure enough my dd didnt come. I spoke with someone in customer service who told me he couldnt tell me when my money would be available. I began to stress to him that my electric and gas will be disconnected if I dont have my money. He responded by sayin sorry to hear that but there is nothing I can do about it. I then said so you just telling me me n my kids are going to be in the dark and he said guess its a possibility. HELP. I am callin my employers first thing but im afraid they wont change it right away.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Subject : Urgent Notice Regarding Unlawful Credit Reporting - Missouri FCRA and Identity Theft Fraud Laws Referenced Dear CAPITAL ONE, I am compelled to address a grave violation concerning the unauthorized dissemination of my personal credit information to reporting agencies, a clear breach of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the Missouri Identity Theft Prevention Act, specifically XXXX. 

It has come to my immediate attention that CAPITAL ONE, XXXX, has engaged in such unauthorized reporting without procuring my explicit consent. It is imperative to underscore that under federal law, as delineated in the FCRA, the consumer 's consent is an absolute prerequisite for any such reporting activity pursuant to Section 1681b ( a ) ( 2 ). 

Furthermore, Missouri state law, particularly the Missouri Identity Theft Prevention Act, underscores the gravity of unauthorized access and misuse of personal information, emphasizing the necessity of explicit consumer consent. 

I wish to unequivocally affirm that I have not provided consent for CAPITAL ONE, XXXX, to disseminate any information to my credit report. This flagrant absence of explicit permission constitutes a severe violation of my rights, potentially compromising my creditworthiness and displaying a blatant disregard for federal and state laws. 

I demand, with the utmost urgency, that CAPITAL ONE, XXXX, immediately cease any further dissemination of my personal credit information to reporting agencies without procuring my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Identity Theft Prevention Act. Failure to comply within the stipulated 30-day timeframe will be construed as deliberate noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

It is imperative to understand that procuring consent is not a discretionary action but a legal obligation under these specific provisions of the FCRA, Missouri state law, and identity theft fraud statutes. This is not a negotiable matter ; it is a directive for adherence to both federal and state regulations, safeguarding consumers like myself from unauthorized and injurious credit reporting practices. 

I anticipate your immediate attention to this matter and trust that CAPITAL ONE, XXXX, will expeditiously rectify these egregious violations, upholding my rights under federal and state laws. 

Sincerely,
Consumer complaint received 2015-04-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (TN)

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Consumer complaint received 2015-03-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (DC)

My banking institution, PNC Bank, initiated a debit memo from XXXX account ( herein referred to as " Acct XXXX '' ) in order to fund my other account ( herein referred to as " Acct XXXX '' ) in order to bring Acct XXXX closer to a positive balance. In that process, PNC Bank caused Acct XXXX to go into overdraft for other transactions and charged XXXX overdraft fees. Now XXXX accounts have negative balances. I believe that this practice is unjust. I am attaching screenshots of Acct XXXX and Acct XXXX showing ( XXXX ) the debit memo, posted transactions and overdraft fees in Acct XXXX and ( XXXX ) the debit memo credit posted on Acct XXXX.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (FL)

To Whom It May Concern, I am writing this letter to formally dispute the information contained in my consumer report, as provided by your agency. After a thorough review of my report, I have discovered that undisclosed personal information about me has been shared with a non-affiliated third party without my explicit written consent. This discovery raises serious concerns as it appears to be a violation of the regulations outlined in 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information. In accordance with the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to be informed about and control the disclosure of my personal information. The disclosure to a non-affiliated third party without affording me the opportunity to opt-out, as mandated by law, is a direct infringement on my privacy rights. Upon meticulous examination of the report, I observed that specific accounts are being reported without my explicit written consent. It is essential to clarify that my dispute is not with the creditor but with your reporting agency for disseminating and reporting information without proper authorization. I specifically refer to 15 USC 1681b - Permissible Purpose, which mandates a consumer 's written consent for the reporting of personal information. As of now, I have not provided such written consent, and I request documentation to substantiate my consent, thereby ensuring compliance with this legal requirement. Failure to provide evidence of my consent could be interpreted as a violation of my rights under the FCRA. I am under the belief that the unauthorized disclosure and reporting of my personal information may constitute a violation under 18 USC 1028a, potentially constituting identity theft. In accordance with 15 USC 1681c-2, I formally request the removal of the following accounts from my consumer report within five ( 5 ) business days from the date of this letter. I emphasize my right to a fair and accurate credit reporting process, and the swift removal of this account from each credit bureau is crucial to rectifying the reported inaccuracies. Furthermore, I request documentation regarding your method of verification for the disputed accounts and records showing proof of my option to opt out of the information being reported in my consumer report. This will ensure that your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. I anticipate your prompt attention to this matter and the resolution of my dispute within the specified timeframe of five ( 5 ) business days. Non-compliance with the provisions of the FCRA may result in further legal action. Thank you for your immediate attention to this matter.
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BOK FINANCIAL CORP (NM)

I dropped my phone on XX/XX/year> @ the XXXX XXXX auction in XXXXXXXX XXXX  about XXXXXXXX XXXX. This individual changed my phone number to various accounts such as Bank of Albuquerque account, email, and my credit card information. They managed to change the password and transferred money from my bank account, I retrieved my same phone number to a brand new phone that I had to purchase, and I lost the dispute due to easy access. Here are the numbers they are using to hack into the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-18
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: FORD MOTOR CREDIT CO. (FL)

I have unauthorized credit inquiries on my credit due to identify theft, Ive submitted more than 3-4 documents each time supporting & XXXX  id the only one who wont remove them
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (NY)

My name is XXXX XXXX and I have a US bank checking account. My Dad, XXXX XXXX, used to have a US Bank checking account and when registered he used my mobile phone number, XXXX, to register his online banking, since he has been sharing my phone that time, but since last month, when I log in to my US bank mobile banking, it keeps pops up that the mobile number is been used by someone else ( which is my Dad I think ). My dad has already canceled the US bank checking account, but the issue for me to log in to the US bank mobile app still exists and still keeps saying my mobile number is used by someone else which prevents me from logging in to the mobile app. I called US bank support several times but the issue has not been fixed. Please help me fix this error and thank you so much!
Consumer complaint received 2024-01-24
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: W&A Intermediate Co., LLC (GA)

A company Wakefield and Associates suddenly appeared on my credit report and has been contributing to my low score. I have no knowledge of this account and also do not have any knowledge of the company they say is the original creditor. I have no idea why this is being listed on my credit and hurting my score when it is not my debt and must belong to another with the same name or else is somehow fraudulent. I do not owe this company any amount of $ and have no contract with them or the company they are associated with.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Associates LLC has failed to validate a purported debt they've been claiming I owed them and refuses to cease and desist from inaccurate reporting and debt collection malpractice by somewhat renewing dates of the so called debt being owed allegedly by me, They have violated sections of 15USC 1681 ( e ) ( n ) ( o ). 
They claim they've investigated and verified the debt to be valid but has yet to produce one single signatory document or contract that validates their claim. They have also failed to produce any methods or processes that they used to come to such a conclusion to an alleged debt that they have failed to validate, This has been very frustrating for me and my family as my letters to Portfolio to delete such information from my credit file has gone unheeded as required by the law.
Consumer complaint received 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

XXXX has been attempting to transfer my loans from Nelnet since XXXX of last year XXXX, but they claim to be receiving no response from Nelnet. In the meantime, my interest is accumulating. Although I have obtained a forbearance, the interest rates are exorbitant, which is unacceptable. I have already contacted the Department of Education about this matter, but no one has reached out to me since before XXXX, which is also unacceptable. I am on the verge of reaching out to an attorney, as the situation is causing me significant stress, XXXX, and XXXX Please assist me.
Consumer complaint received 2024-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (MD)

Each of my student loans were charged incorrect interest. Below are the amounts. 
Loan 1 : Principle : {$2300.00} Interest Rate:3.4 % Daily Interest Rate : {$.00} Interest Charged for 9 days since last payment : {$65.00} Interest That Should've been charged : {$1.00} ( {$.00} x XXXX ) Overcharged : {$63.00} Loan 2 : Principle : {$2300.00} Interest Rate:3.4 % Daily Interest Rate : {$.00} Interest Charged for 9 days since last payment : {$70.00} Interest That Should've been charged : {$1.00} Overcharged : {$63.00} Loan 3 : Principle : {$1600.00} Interest Rate:6.8 % Daily Interest Rate : {$.00} Interest Charged for 9 days since last payment : {$100.00} Interest That Should've been charged : {$2.00} Overcharged : {$98.00} Loan 4 : Principle : {$1300.00} Interest Rate:6.8 % Daily Interest Rate : {$.00} Interest Charged for 9 days since last payment : {$79.00} Interest That Should've been charged : {$2.00} Overcharged : {$77.00} Loan 5 : Principle : {$330.00} Interest Rate:6.8 % Daily Interest Rate : {$.00} Interest Charged for 9 days since last payment : {$16.00} Interest That Should've been charged : {$.00} Overcharged : {$16.00} Total overcharges for interest of {$310.00} in ONE MONTH. This is absolutely insane. To speak with a rep on the phone takes hours and hours that I do not have. I just received a response from them last time I complained months ago. Please help. They're going to be accruing interest after interest on interest each month until I can never pay this off.