davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IL)

I called XXXX back in XXXX because I had made a payment in the fall when the student loan pause was up which I apparently did not have to make as the pause was extended due to issues on XXXX 's end. I asked that the payment be initially applied to my next payment ( XXXX ) which they agreed to. That did not happen. This caused significant financial hardship for me. I spent many, many, many hours on the phone to be told that I need to wait 90 business days to receive a refund as I no longer wanted the payment applied to future payments. In those 90 days I was transitioned to Ed Financial. I called XXXX in XXXX ( XXXX business days later ) who told me that while the ticket was entered XXXX business days ago, it was still in the research phase and had had no movement forward and now they could do nothing because I was under edfinancial. I called edfinancial and was told I would have an answer in XXXX to 10 business days. That was a month ago and I have received no communication. I called today and was told that while that ticket had been put in, no movement had occurred again. They were able to give me no information about when I would receive my money, no further actions to take, no idea of what was happening. This has been over 8 months since I started calling. I am still out nearly XXXX dollars which I desperately need. Between these two agencies I have spent hours and hours on the phone, talked to at least 20 different people and have gotten nowhere. I need my money back and these people are unhelpful and holding my money.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (NV)

Debt validation requested from NCB MANAGEMENT specific documentation as allowed by law to include, but not limited to, debt contract, purchase agreement, statute of limitations, date of last missed payment, assignment contract, opt out of 3rd party agreement i signed, XXXX, insurance claim, license to collect in state of nevada, etc. etc. 

I have not received any documentation requested as per law, therefore NCB is in violation of the law.
Consumer complaint received 2024-09-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (PA)

I have complaints with Sunrise Debt Collection with repeated phone calls after I tell them to quit calling they will use any number they can to keep calling me because I block every number they call me from. I asked if I owe a debt they will not tell me they just ask if my name is such and such. They harass me everyday since XXXX-2024.
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NJ)

The law 15 U.S.C. 1692c prohibits debt collectors from communicating with a consumer in connection with the collection of any debt without the consumer 's prior consent or express permission from a court. If a consumer notifies a debt collector in writing that they refuse to pay a debt or wish to cease further communication, the debt collector must comply.

They have not complied with my requests. Please enforce this law.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NC)

Resurgent/LVNV Funding and the credit reporting agencies has violated multiple laws that pertaining to my right to fair and accurate reporting. 15 U.S.C 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Resurgent/LVNV Funding ) making the report. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) states that a person ( Resurgent/LVNV Funding ) shall not furnish any information relating to a consumer ( myself ) to any credit reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. By Resurgent/LVNV Funding reporting on their transactions between themselves and I this would automatically make the the report inaccurate. Yet XXXX, XXXX, and XXXX continue to report this on my credit report. I have reached out to Resurgent/LVNV Funding to provide me with the contractual obligation that I signed with them and to remedy the situation and expected the matter to be handled with good faith, but I have been met with no response
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

Citi bank closed my account about two weeks ago without any specific reasons being provided. I tried to have them figure the issue and reopen the account. However, I received response that they have decided to terminate their bank relationship with me. Then I tried several times to speak with their representatives about the funds left in the account at the time of closure. However, they said they will hold my funds for 30-60 days, after the account closure process is completed. One of their representatives told me that I could go to the branch in person to see if they could release the funds at their discretion. This wasted me another 2 hours as I was told in branch that they have no authority to do that.The representatives said that the money was all belongs to me, which is confirmed and documented.This means that theres no existing claims against my account. I asked for the legitimate reason for them to hold my account and received that this was for the checks to clear, the automatic deposits are canceled etc. Finally I asked if they could send a check to my new address which is different from the address on file. Also rejected. This way I might not be able to even get the money back.
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Peace & Love To All Who Read This! 

I applied for a card and got denied. Prior to me applying for one of the cards, I received dozens of emails from Capital One stating that I was preapproved for their cards. Since I never had any accounts with them, that means the credit card agencies were selling them my information illegally and without my permission. After I was denied, I never received any letters or emails stating why or providing the reference number. They just took my application and ran to the bank with it literally. Regardless of the reason for being denied I have a right to credit in a consumer credit transaction. Withholding my credit and access to my securities is securities fraud and discrimination. 15 USC 1691 states that it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. You're violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Section 16 part 1 of the Federal Reserve Act states that only the Board of Governors can make a decision on whether Im denied. 

According to your prospectus and XXXX documents, I know that you've turned the application into a security in which you're now selling and making money until it matures. Once approved for the card, I know that youll also be selling that as well. 

Assets Primary Assets of Master Trust - Receivables in unsecured consumer and small business revolving credit card accounts You may have sold all rights, titles, and interest of the receivables ( COMET ), but Im the beneficial owner and noteholder. You're being paid! Not only that, but you also got the original issue discount ( OID ). You're still receiving interest plus payments being sent to you by uninformed customers who think they owe you, but you actually owe them BIG TIME! 

You are stealing from me and scamming me. Youre using my credit to make money. Thats identity theft. You use false and misleading business practices to acquire massive wealth while not giving your customers whats due to them. Thats unjust enrichment and racketeering. You're also doing it to millions of other customers by not informing them that they are actually investors in your company due to your organization using their credit to make money. You're performing illegal acts that will land a lot of people in your organization in prison for a long time including your transfer agents, clearinghouse, and other trustees due to the Holder In XXXX XXXX XXXX
Consumer complaint received 2023-08-12
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: Experian Information Solutions Inc. (NC)

A dispute was placed on the account XXXX XXXX XXXX account number XXXX. This account is reporting inaccurate information. This company failed to properly investigate the account. They broke consumer laws by failing to do so.
Consumer complaint received 2024-09-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (SC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-03
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: General Motors Financial Company, Inc. (GA)

Subject : Notice of Dishonor and Request for Resolution I am writing to formally address an issue concerning the transaction involving the signed purchase order for two vehicles through XXXX Cadillac Buick GMC. As part of the process, a border exchange was provided, ie IBOE yet unresolved matters remain regarding the terms as outlined in said purchase order.

Pursuant to 3-502, concerning the dishonor of notes and drafts, I would like to highlight the following : ( a ) Dishonor of a Note : If the note was payable on demand, and duly presented without payment on the day of presentment, it constitutes a dishonor. 
For non-demand payable notes requiring presentment, dishonor occurs if the note is unpaid by the day it becomes due or upon presentment. 
If neither applies, dishonor arises if the note is unpaid on its due date. 
( b ) Dishonor of an Unaccepted Draft : A check is considered dishonored if, when properly presented, the payor bank returns it or sends a notice of dishonor in a timely manner, or if it does not account for the check amount as stipulated under Sections 4-301 or 4-302.

It appears one or more conditions for dishonor as specified in the subject section may apply to this transaction. I request prompt clarification and resolution of the situation. I am seeking an amicable solution and trust that General Financial Motors will address this matter expediently.
Consumer complaint received 2024-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

VALIDATION AND CEASE AND DESIST Collection agency name : Resurgent Capital Services Address : XXXX XXXX place XXXX XXXX XXXX, SC XXXX. ( XXXX XXXX XXXX XXXX, SC XXXX ) Account number : XXXX NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX Dear Resurgent Capital Services I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.
Consumer complaint received 2024-09-05
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 (CA)

I contacted Discover to dispute charges for services Never Rendered. 
I am lodging a Formal complaint with the Consumer Financial Protection Bureau for Fraudulent charges. 
I rented a Hotel room using my Discover Card at the XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, for XXXX night at a rate of {$150.00} via XXXX on XX/XX/year> where the plumbing was not working and the sink backed up with soot and dirty water flooding the bathroom. The XXXX XXXX XXXX promised to give me a credit for the night due to the inconvenience and for services not rendered. The Manager at the XXXX XXXX reneged on this offer to Credit my credit card and has since been fired from the XXXX XXXX. 
I have tried to obtain credit from the new XXXX XXXX, XXXX XXXX and he refuses to reimburse me for the {$150.00} claiming that the previous manager has been fired, therefore he can not confirm whether a credit was promised. I took photos of the bathroom to have proof of the plumbing backing up. These photos were forwarded to both XXXX and the XXXX XXXX to no avail. All three companies, Discover, XXXX and The XXXX XXXX Are refusing to reimburse me for charges for an unfulfilled services ; Providing A Clean decent Hotel room with working plumbing. 
Regards, XXXX XXXX
Consumer complaint received 2024-08-30
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CADENCE BANK (GA)

I was approved for a land loan on Thursday, XX/XX/year>. My banker, XXXX XXXX, sent me a screenshot of the approval via text message. However, on Monday, XX/XX/year>, XXXX XXXX called to inform me that the underwriter had declined my loan, and she was unsure of the reason. Since then, I have been trying to reach out to XXXX XXXX, only to be informed that she is no longer with the bank. 

I was referred to XXXX XXXX due to her outstanding reputation for assisting customers with loans. I have been engaged in this process for over three months, and when XXXX XXXX secured my approval, she was even more excited than I was. On Monday afternoon, she expressed significant disappointment when she informed me of the loan decline. She also mentioned that she had the ability to secure XXXX XXXX financing for my land purchase, a possibility she described as an exception to the bank 's policy. This policy, as she previously explained, allowed for XXXX XXXX financing if the purchase was from someone with whom the buyer had a personal relationship or family ties, without requiring exceptions. 

Additionally, XXXX XXXX shared with me that she felt other Branch Managers were not facing the same challenges she encountered, and even suggested handing my case to another Branch Manager to avoid what she believed was a pattern of discriminatory treatment toward certain customers. I declined her offer at the time. 

Given that my loan was unexpectedly declined after initial approval, I am now concerned that this decision may have been influenced by factors related to my race. I would like to request a clear explanation for why this happened.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I paid for a service and course that was {$2900.00} usd on XXXXThe course was a scam. I didnt receive any secrets promised because they are already on his social media and I didnt receive my full service, which was supposed to be 5 properties chosen by XXXX XXXX directly . I dont believe he was the one who even chose them out because one of his assistants called me to onboard instead of himself. One of the properties he chose had already been sold and I told him but he never gave me another property chosen by him. My banks Well Fargo have taken about a month now on my dispute and is telling me they cant do anything about despite me literally sending in proof of his promised service and messages between us showing he never completed the service. Instead, he told me that I can keep getting properties until I can close one, but the agreement was that he was going to do that for me. My bank is asking me for terms and conditions, but I have no way of getting those terms and the companyXXXX XXXX that charged me doesnt offer refunds. Is there anything that can be done? I already submitted proof and my bank wont accept it.
Consumer complaint received 2023-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

Hi. I have made two transactions through MoneyGram app sending money from my Brazilian online debit card money to myself here in the XXXX. There were tree options to receive the money. I chose XXXX. I went there and they didnt let me to cash it out because their policy doesnt allow the same person being the sender and the reciver. I asked to cancel the transactions and give me a refund from XX/XX/XXXX of 2024 until today, many times through phone calls and emails.Today is XX/XX/XXXX and they havent canceled neither refunded me. I would like to say the XXXX is a dishonest company. It should NOT being business. I am having being distressed and had an episode of XXXX XXXX. 

First transaction : XX/XX/XXXX Reference XXXX : XXXX Amount : XXXX USD Second transaction : XX/XX/XXXX Reference n : XXXX Amount : XXXX USD
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

Subject : Formal Complaint Regarding Harassment, Improper Debt Collection Practices, and Violation of Dispute Rights Dear LVNV Funding LLC, I am writing to formally complain about the conduct of your debt collection practices related to my account with the number XXXX. I have encountered several issues that are causing me significant distress and believe they constitute a violation of federal and state laws governing debt collection. 

Harassment : I have received multiple harassing phone calls and written communications from your representatives. These communications include threats, abusive language, and repeated calls outside of legal hours. According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692d, debt collectors are prohibited from engaging in conduct that harasses, oppresses, or abuses any person. 
Selling Information to Third Parties : I am concerned that my personal and financial information related to this account has been sold or shared with third parties without my consent. This practice appears to be a violation of the Gramm-Leach-Bliley Act ( GLBA ) and other privacy laws, which require that consumers ' financial information be handled with confidentiality and only shared with authorized parties. 
Denial of Dispute Rights : Despite my efforts to dispute the validity of the debt in question, my attempts have been ignored, and I have been denied the opportunity to formally address these discrepancies. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute inaccuracies on my credit report and receive a proper investigation.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (MA)

Through XXXX XXXX XXXX XXXX from XXXX XXXX XXXX I learned that my credit score dropped due to potentially negative/derogatory action that appeared on my credit reports from the XXXX major credit bureaus. I found that on XX/XX/year>, a collection agency ( Credit Management LP  ) issued a debt collection action on my credit report. The debt was for {$93.00}. 

WIth the help of XXXX XXXX, we jointly contacted XXXX XXXX XXXX ( via a conference call ). The debt for {$93.00} was for XXXX XXXX. My name and social security number was connected to the debtor. But the address was on XXXX XXXX XXXX XXXX XXXX. I informed Credit Management LP that I never purchased any product or service from XXXX XXXX in my life... and I have never resided on XXXX XXXX in XXXX. 

They said they would investigate. But they said they could not initiate the investigation without a copy of my social security card -- which I will not provide to them under any circumstance.
Consumer complaint received 2024-09-02
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: General Motors Financial Company, Inc. (PA)

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts have violated my rights. Pursuant to 15 USC 1681 section 602 ( a ) states I have t
he right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.