davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION (CA)

PLEASE SEE RECENT ADDITIONAL RELEASED OFFICIAL DOCUMENT FROM THE LAW ENFORCEMENT AGENCIES SINCE I WAS A VICTIM OF GROSS FRAUD. FRAUD COMES IN DIFFERENT SHAPES AND FORMS, NOT ONLY IDENTITY THEFT. The fraud that I had been a victim of was not under the category of Identity Theft. It was much bigger crime which I had been a victim of that the FBI has now taken my case very seriously which was not very common for this law enforcement agency to take the case from an individual victim. 

The detective 's name that handling my case on XXXX XXXX, XXXX from the XXXX XXXX Police Station, Fraud Department in California : Detective XXXX XXXX. Direct telephone number : ( XXXX ) XXXX. The Police Report XXXX : XXXX. Also, please see attached copy of an actual Police Report that they released to me which was approved by Detective XXXX when I picked it up from the XXXX XXXX Police Station last month. 

Then, the FBI XXXX XXXX named Special Agent XXXX XXXX is taking the lead of my case as of XX/XX/XXXX up to the present time. He called me on the phone and interviewed me for about XXXX hour and XXXX minutes.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MA)

XX/XX/XXXX I tried to redeem miles for an XXXX XXXX from my XXXX XXXX XXXX Account from the Reward program offered from my Citibank Mastercard that I opened around XXXX. Every dollar charged is a mile on XXXX XXXX as well as miles flown and they add up every month I charged on the Citibank Mastercard. When I called XXXX XXXX Customer Service, they said my Award Account had been compromised so they verified it was me through security questions and unlocked it and opened a new Account number and transfered my miles to the new Account # XXXX and I got my XXXX XXXX. After XXXX I didn't look at the account nor traveled and as of XX/XX/XXXX I had XXXX miles and then on XX/XX/XXXX I had only XXXX and a total STRANGER redeemed XXXX of MY MILES to purchase tickets. On XX/XX/XXXX a woman names XXXX, no last name called from XXXX Customer Service and verified if was me with security questions, and told me my account was hacked and someone stole my miles. I was DEVESTATED to say the least and she said she would help me get the miles put back and help with Filing the appropriate POLICE REPORTS. We opened a new XXXX XXXX Account # XXXX and she said she would be in touch. She never called back so I called XXXX Customer Service and they said I would not be getting the miles back. I was so upset, I asked who purchased the tickets as they know exactly who flew with the security in the XXXX today after XXXX. I said i needed those documents records from my account on flight, name, date, destination, ect, to file the police report. The man said he would send me 5 years of records from my account in 7-10 business days. It has been over a month and never got documents or any further calls from XXXX. I want to file a police report on who ever stole my miles and they know who that is and havent sent those documents to me. They will not give my miles back. I am asking for help on this please. I attached my account statements XXXX and XX/XX/XXXX and found out on XX/XX/XXXX when XXXX called me. I cant beieve they are so negligant on this issue and let someone steal my miles. I called Citibank and since no DOLLARS $ were chaged on my account they couldnt do anything and said I needed to go directly to XXXX XXXX which I did.
Consumer complaint received 2024-03-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Attended the XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX. Received both federal and private loans. Loans originated from Sallie Mae but are now serviced by Navient.

My federal loans will be forgiven under Borrower Defense to Repayment under the XXXX XXXX XXXX settlement. The Department of Education has admitted that fraud exist, along with countless lawsuits from State Attorney Generals, and the Department of Justice investigations/lawsuit into XXXX, who was the parent company of XXXX at the time I attended school. The DOJ investigation found that XXXX had a boiler-room style sales culture in which recruiters were instructed to use high-pressure sales techniques and inflated claims about career placement to increase student enrollment, regardless of the applicants qualifications. 

These loans were the direct result of fraud, misrepresentation and deceit including, but not limited to, false claims about career placement, false claims regarding job placement statistics, predatory and high-pressure sales tactics, misrepresentations about the cost of a degree, and misrepresentations about the value of a degree from the XXXX XXXX XXXX XXXX. 

Navient is obligated to cancel these private student loan because of the Holder Rule, which makes all current " holders '' of an initial loan responsible for any fraudulent misrepresentations made in the selling of the product. The FTC has stated that student loans are within the scope of the Holder Rule. The Department of Education also has regulations applying principles similar to the Holder Rule to many federal student loans. For private loans, the borrower may be able to cancel existing debt if a school fraudulently induced the student to enroll and had some relationship with the lender. It's important to note, that XXXX was the guarantor for one of my private loans at this college. 

The CFPB also found that lenders are misleading some borrowers and keeping them in repayment for debt they do not owe. The CFPB found that lenders ignored consumers claims that the FTC XXXX XXXX allow private borrowers to bring a claim against their school to their lender.
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America charged me an unauthorized/hidden/illicit fee of {$320.00}, and even many branch managers at Bank of America empathized with me that consumers are being mistreated, and I am being charged this fee of {$320.00} illicitly on XX/XX/2023. 

Furthermore, particular associates in Bank of America, such as XXXX XXXX and XXXX XXXX, said they were only directed to convey information, even if there was misinformation and disinformation, since they were doing their jobs at Bank of America. Consumers know that they are afraid of losing their jobs and doing the right thing since it was directed by unknown individuals at Bank of America to carry out these illicit/hidden fees to hoodwink consumers.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (SC)

Reporting to my insurance that I have 2 comprehensive claims on the same date XX/XX/22. This did not happen. I have spoken with XXXX and XXXX and they say that this is causing my rates to be increased. I DID NOT have any incidents. I used my free windshield repair because that is what I was advised to do. I was not in an accident nor was it an incident and should not be reporting as such.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXI XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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 Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : OFFICE OF THE ATTY GEN Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : ATTORNEY GENERAL-CHI Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC (MI)

On XX/XX/2023 I made a payment on my XXXX XXXX  card for the entire balance of XXXX. I do this at the end of each month with my cards, I pay the entire balance off. The following day on the XXXX they took XXXX. XXXX from my bank again. Then they shut my card off. I have reached out to them for a refund, and they told me to make a copy of my ID, my social security card, and my bank statement showing that they took my money twice, and then mail it to a po box . I did not do this. I have reached out to my bank to try and get the funds and they have not been able to get my money back.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (WI)

On XX/XX/XXXX, I received a voicemail and subsequent email from Discover Credit asking for information regarding the verification of personal information. This is the last time they attempted to reach out to me via phone call. The next and last time Discover reached out to me was on XX/XX/XXXX via email notification that I needed to update this information. Please note, my email unfortunately didn't flag either of these 2 specific emails and any other emails from Discover did not make a mention of this. Additionally, Discover Credit failed to send a notice to their secure message center nor was there a notification from the banking app itself. 

I only found out about this on XX/XX/XXXX when I attempted to purchase with my credit card, I do not use this card too often in an attempt to limit credit debt. After calling a branch manager, I was notified of the situation and told that the last day to remedy was XX/XX/XXXX. I was suggested to voluntarily close the account before they did to minimize the impact on my credit score. Discover did not attempt to notify me whatsoever in XXXX regarding this. 

I worry about the immediate consequences of Discover closing my oldest credit card which I've maintained since 2016. There has never been a past instance of this in the past, where something like this has come up. This credit account is currently in good standing with a balance of {$0.00}.
Consumer complaint received 2024-01-08
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (CA)

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Jefferson Capital Systems , LLC regarding their handling of the XXXX XXXX XXXX auto loan account on my credit report. The lack of notification, inaccurate reporting, and failure to provide appropriate documentation have raised serious concerns. 

Violations and Requested Resolutions : 1. FCRA 623 ( a ) ( 8 ) - Lack of Notification : Jefferson Capital Systems , LLC failed to notify me of the XXXX XXXX XXXX account, a direct violation of the Fair Credit Reporting Act. 
2. FCRA 623 ( a ) ( 2 ) - Inaccurate Reporting : The inaccurate reporting by Jefferson Capital Systems , LLC regarding the XXXX XXXX XXXX account warrants immediate correction and deletion under the Fair Credit Reporting Act. 
3. FCRA 609 - Failure to Provide Documentation : I have not received any letter or documentation from Jefferson Capital Systems , LLC regarding the XXXX XXXX XXXX account, as required by the Fair Credit Reporting Act. 

I demand : Immediate removal of the XXXX XXXX XXXX account, reported by Jefferson Capital Systems , LLC, from my credit report due to these violations. 
A comprehensive investigation into the lack of notification, inaccurate reporting, and failure to provide documentation by Jefferson Capital Systems , LLC. 

Your prompt attention to this matter is crucial to rectify these violations promptly.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have contacted the companies to have the information removed but it keeps coming back again th names are capital one bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX all these accounts were paid but they are still reporting as negative items on my report on all three bureaus
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX charged me a purchased I did not make or authorized. I explain to the representative that I didn't make the purchased. I also wasn't aware until several months later since I do not use that credit card for daily purchases. I spoke to comenity and advised them and they offer no assistance, and told me that I was liable for the charges. I do not even have the credit card. I told the representative that I was to pay off the account and to close my account however they are hurting my credit when I was the victim of fraud and that is not okay.
Consumer complaint received 2024-03-15
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (CA)

I receive my monthly XXXX XXXX XXXX.on a Direct Express debit card. I have been a customer for over XXXX ( XXXX ) years. 

On XX/XX/XXXX, I attempted to make an online purchase of XXXX bottle of skin tag remover for the listed price of {$29.00}. When I entered my Direct Express card information the transaction was declined.. I then tried to make the purchase using my XXXX XXXX credit card. Once again, the transaction was declined. About XXXX minutes later both these accounts were charged {$190.00}. 

I immediately contacted both XXXX XXXX and Direct Express to report these fraudulent charges. XXXX XXXX conducted an investigation and determined the charge of {$190.00} was indeed fraudulent and removed the charge from my account. 

However, Direct Express determined that the charge was authorized by me, and they soon thereafter closed the case and offer no method of appeal. I have written them several letters to no avail. Common sense would indicate that an XXXX year old man ( DOB XX/XX/XXXX ), depending on XXXX XXXX for support, would not order almost {$200.00} worth of skin tag remover. 

I am extremely diappointed in Direct Express especially since I consider myself a loyal long term customer.
Consumer complaint received 2024-03-16
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: Atlanticus Services Corporation (TX)

The name of the account is Fortiva. They continue to report false information to all 3 credit agencies. This account was closed and paid in full in 2019. This account was never late nor does my credit report reflect late payments. Yet Fortiva has continued to illegally report false information. They had a system wide purge and have zero record of me ever even having an account let alone a payment history. I spoke with my account specialist at XXXX and we got to the bottom of it by calling them on conference call the gentleman openly admitted after providing social and credit card number, and date of birth that there is no record of an account. So the XXXX rep questioned why are you guys still reporting false information the customer service rep then hung up the phone. I have also provided all three with an email chain of conversation with Customer Service, stating the exact same thing that they have no record of me ever even have an account this account needs to be removed. It is highly damaging my report. This is an issue that should not be going on when my credit report is highly valued nor do I make late payments on anything. This account must be removed due to the reasons listed above. I have also mailed copies of these emails to the other credit agencies and still nothing has happened.
Consumer complaint received 2024-01-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Onity Group Inc. (FL)

Greetings, On XX/XX/XXXX, PHH, sent written correspondence regarding my efforts of discharging the debt. 

Please see attachments below. ( TILA/RESPA requests ). 

The rules of engagement are simple, reasonable, lawful, and legal ( written in the affidavit ) : 1. I require the following answers to my reasonable questions and all answers must be answered according to the following requirements : i ) Your answers must be in accord with TILA ii ) Your answers must be truthful under oath under penalty of perjury iii ) Your answers must be with a wet-ink signature and title of the representative iv ) Your answers must be sent with delivery confirmation v ) Your answers must be in plain, easy to understand language with a definition of all words used in your answers vi ) Your answers will be reviewed by my attorney vii ) I require your answers within ten ( 10 ) days of your reception of this inquiry viii ) Send your response to me with delivery confirmation Also see FAS 140 ( detailed ) attached. FAS 140 was created to govern the sale and securitization of a negotiable instrument. Im afraid theirs been security fraud somewhere along the lines of my mortgage and Im seeking to satisfy what is legally expressed as a debt. From the permanent conversion executed, Im simply seeking whats fair by law. PHH continues to send me the Adjustable Rate Note, when Im clearly requesting the ORIGINAL Promissory Note. Which to my knowledge doesnt exist any longer, its been sold as stated in correspondence to PHH from XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX. This is a form of double dipping security fraud. 
I now am seeking PHH to show their standing on the matter, and will seek all punitive damages from this unfortunate series of events. According To RESPA laws, theres a {$2000.00} to {$4000.00} penalty per violation. Ive been very loyal, integral and hard working, just to come to the understanding I have been taken advantage of. 

Ive taken the liberty to file a 1099a copy B ( Copy C is for my records ) which is attached as well for PHH to acknowledge. I will be certify mailing a new endorsement accepted for value, due to the last correspondence it was expressed PHH ( servicing company ) does not accept payments unless written in the original note, yet there is NO original note. Lets please work together! 

Thanks XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-10-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I authorized Capital One ( via my capital one mobile app ) to transfer {$4000.00} from my external account at XXXX XXXX XXXX XXXX to my capital one savings account on XX/XX/year>. I selected XX/XX/year> as the date the transfer should occur. On XX/XX/year> in my XXXX XXXX XXXX XXXX account XXXX ACH withdrawals to Capital One of {$4000.00} each were completed. I contacted XXXX XXXX XXXX XXXX and they said I had to contact Capital One as the ACH originated there. I contacted Capital One on XX/XX/year> to be told all they could find in their records was an authorization for one {$4000.00} transfer and they had no record of the second ACH transfer for {$4000.00}. XX/XX/year> I viewed my account at XXXX XXXX XXXX XXXX and a third {$4000.00} ACH Capital One transfer was completed. I viewed my Capital One account on XX/XX/year> and it showed 2 {$4000.00} ACH transfers completed and one pending. I contacted Capital One and they said it's an issue the bank identified yesterday that is also affecting other customers. They had no time frame or how it would be resolved. Of the 3 {$4000.00} ACH transactions I only authorized one. How can the bank automatically complete 2 in my account without my authorization. I believe they are in violation of bank laws regarding authorized transactions with linked external accounts