davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, CA XXXX Employers : XXXX XXXX
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I am writing to formally demand that ChexSystems , Inc. immediately remove all adverse information related to my credit history as it pertains to my status as a survivor of XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 605 ( c ), ChexSystems is legally required to remove any adverse information from the credit report of a consumer when that information is connected to XXXX XXXX XXXX XXXX XXXX. Despite my provision of the required documentation, ChexSystems has failed to comply with federal law. 

The FCRA 605 ( c ) ( 1 ) explicitly states that no consumer reporting agency may report adverse information resulting from XXXX XXXX XXXX XXXX XXXX This law was enacted to protect survivors from further harm and discrimination. I have provided sufficient documentation proving my status as a XXXX survivor and therefore have fully met the legal requirements under FCRA 605 ( c ) ( 2 ). 

Case law, such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX has further affirmed that consumer reporting agencies ' failure to comply with this statute constitutes a violation of federal law and subjects them to liability under 1681n and 1681o for willful or negligent non-compliance. ChexSystems ' continued refusal to remove this information is not only unlawful but also constitutes willful negligence under the FCRA, causing significant damage to my financial standing. 

I demand immediate action to permanently remove this adverse information from my ChexSystems report. Failure to comply will leave me with no alternative but to pursue all legal remedies available under the FCRA, including statutory and actual damages, as well as recovery of attorneys fees for your violation of my rights as a XXXX  survivor.
Consumer complaint received 2024-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

My complaint is about the Navient settlement. I was a borrower with loans that they misled, mismanaged and mishandled for years and somehow I am not included in the CFPBs Redress???? Thats ridiculous! I have plenty of proof of their tactics via emails and paperwork that I kept from XXXX where they never mentioned anything except Forebearance and Deferrment on top of having me pay them an ungodly amount of money each month to rehabilitate my defaulted loans and yet those payment seem to not exist in their records but a consolidation that I never agreed to is in there. Im the poster child for Redress! Once again, I am lost in the shuffle and wont get any relief from any of these student loan issues Ive had for 25 years. Heres to being saddled with XXXX in debt from a XXXX loan, and they say usury loans are illegal. XXXX.
Consumer complaint received 2024-10-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I am writing to file a formal complaint against The XXXX XXXX XXXX XXXX and Navient ( formerly Sallie Mae ) regarding the deceptive practices I experienced as a student and the subsequent denial of my application for a discharge of my private student loans. 

Background : I attended The XXXX XXXX XXXX XXXX from XXXX to XXXX. During my enrollment, I was pressured to take private loans in order to secure my place in the program. The admissions staff misled students about job placement rates and expected salaries after graduation, creating a false impression that our degrees would ensure employment and financial success. 

Issues Faced : Deceptive Practices : The school provided misleading information regarding the job market, including inflated job placement rates and salary expectations. 
Financial Burden : Although federal loans have been forgiven due to the school 's fraudulent practices, my private loans remain a significant burden. The interest rates on these loans are exorbitant, and I have been unable to secure work in my field that pays enough to cover these payments. 
Denial of Loan Discharge : I applied to Navient for a discharge of my private loans based on the schools misconduct. My application was denied without any clear explanation, despite my understanding that other students with similar circumstances have been approved. When I contacted Navient for clarification, representatives were unable to provide a reason for the denial. 
This situation has left me in a precarious financial position, struggling to manage the loans that I was misled into taking. 

Request for Action : I urge the Consumer Financial Protection Bureau to investigate the practices of The XXXX XXXX XXXX XXXX and the handling of my loan discharge application by Navient. It is crucial that students are protected from deceptive practices that lead to insurmountable debt. 

Thank you for your attention to this matter. I appreciate your assistance and look forward to your response.
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

i was trying to buy a puppie on a website, they gave the description and also provide me with some address, everything was false, i suppossed to transfer XXXX XXXX and i use paypal because it suppossed to be more secure, i only transfer XXXX $ and inmediately i tryed to cancel the transfer, it was not even minutes, actually paypal never deduct the money from my bank account, paypal tried to do so 2 days after, but they never cancel the transaction to the impostor, how they were not able to cancel the transaction on my side, when they did no get the money from me?, now pay pal send me to a collection agency for XXXX XXXX paypal send the money but never collect it from me, how they did not cancel the transaction when i ask then to do it
Consumer complaint received 2024-10-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (CT)

In XX/XX/XXXX, I moved out of my apartment early and had to break my lease. The building management made up a lease break fee of {$5000.00}. I refused to pay this fee as it was not mentioned in the lease. They then withheld my security deposit, and claimed that I owed them {$1700.00} for leaving my lease. This fee was also not written in the lease so I refused to pay it. 

On XX/XX/XXXX, they sent a third party debt collector after me who contacted me through phone call and email. The building management told the debt collector that I did not pay XX/XX/XXXX rent. I showed the debt collector evidence that I in fact, did pay XXXX XXXXXX/XX/XXXX rent. The debt collector did not respond to the information I provided. Instead, they placed a collections account of {$700.00} with all three of my credit reporting agencies. 

I would like this collections account removed as a ) the debt collector is using false information to collect my debt and b ) the building management is still unlawfully withholding my {$1000.00} security deposit.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

Subject : Debt dispute and request for verification of collector 's license Dear Sir or Madam, I am writing in response to the correspondence I received, dated XX/XX/XXXX, indicating that you are attempting to collect a debt on behalf of AFNI , Inc., with reference number XXXX. According to the letter, the debt allegedly originates from a XXXX XXXX XXXX. 
After reviewing this information, I have serious concerns regarding the validity of this claim and am therefore disputing the debt for the following reasons : Lack of XXXX  Debt Collection License : Based on my research, AFNI , Inc. is not properly licensed to operate as a debt collection agency in the state of XXXX pursuant to the state 's debt collection laws. Under Chapter 559 of the XXXX Consumer Collection Practices Act ( FCCPA ), any debt collection agency must be registered and licensed to operate in this state. I am requesting evidence that AFNI , Inc. is licensed to collect debts in XXXX. 
Proof of Debt Ownership : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g ( b ), I have the right to request validation of this debt, including verification that the debt is actually mine and that the amount owed is accurate. I demand that you provide me with detailed documentation to validate the legitimacy of this debt, as well as records supporting the transfer of the debt from XXXX XXXX XXXX to AFNI XXXX Inc.. 
Relevant Case Law : In the case of LeBlanc v. Unifund CCR Partners, 601 F.3d 1185 ( 11th Cir. 2010 ), the U.S. Court of Appeals for the Eleventh Circuit ruled that debt collection agencies must strictly adhere to both state and federal laws, including those related to obtaining state licenses.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc. (SC)

Six count Federal, no statute of limitations SEE MY WEBSITE XXXX  : XXXX XXXX  : XXXX XXXX and Navient I have four borrower defense cases with the United States Department of Education against both of these lenders and the games that they have played with my information ( OBSESSED ID THEFT ) down to preventing me from getting my masters degree. Ive applied at several schools. They accept me and then turn around and compromise my ability to attend and slap me with all kinds of loans that were never paid to me, and now I cant even attempt to even attend any college because theyve done so much damage to my credit report theyve done so much damage to my identity. Its been all this internal ID theft, and they will not do anything right XXXX XXXX XXXX XXXX XXXX } | XXXX XXXX XXXX ( since XXXX ) { XXXX BIZ Days to BLOCK ( SENT XX/XX/XXXX, still not done ) } https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX XXXX XXXX Credit Bureau_XXXX XXXX XXXX_ XXXX Business Days to BLOCK | https : XXXX SWORN XXXX XXXX XXXX  XXXXLOST WAGES since XXXX COMPENSATION https : XXXX https : XXXXXXXX XXXX XXXX XXXX XXXX  COMPENSATION_XXXX XXXX XXXX since XXXX XXXX  : XXXX https : XXXX? usp=drivesdk XXXX thru PRESENT TEXAS FBI TERRORISM AGENT XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX  : XXXXXXXX XXXX TOO BIG TO UPLOAD => SCHOOLS INVOLVED ( XXXX XXXX  OF NC XXXX XXXX, XXXX UNIVERSITY XXXX, XXXX, XXXX UNIVERSITY, XXXX, XXXX XXXX XXXX XXXX thru XXXX XXXX SHERIFF XXXX XXXX  XXXX XXXX ID THEFT_XXXX XXXXXXXX XXXX CORPORATE FINANCIAL FRAUDXXXX ACCOUNT THEFT_INTERNAL BANK ROBBERY AGAINST XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FRAUD XXXX XXXX XXXX XXXX | XXXX XXXX XXXX, XXXX & XXXX DEPT OF EDUCATION | TERRORISM BUST | US DEPT OF TREASURT | FEDERAL CORPORATE FINANCIAL FRAUD | XXXX & ALL CRYPTOCURRENCIES https : XXXX? XXXX FEDERAL OMBUDSMAN | BORROWER DEFENSE CASES | US DEPT OF EDUCATION | NELNET  Studet loans https : XXXX? XXXX XXXX XXXX XXXX XXXX  XXXX TO XXXX ALL XXXX https XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXX ( XXXX XXXX ATTORNEYS ) https : XXXX? XXXX
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MD)

Today, XX/XX/year>, at approximately XXXXXXXX XXXX, I visited the M & T Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX, to deposit cash. During the transaction, the teller unexpectedly asked for my Social Security Number, despite me being an existing account holder. I declined to provide it, as the request seemed unnecessary. When the teller returned my money, I noticed that {$100.00} was missing. 
Initially, the teller denied that there was any mistake when I pointed out the discrepancy. However, after further insistence, they checked their cash drawer and confirmed they had an extra {$100.00}. While the issue was eventually resolved, the teller 's initial denial and handling of the situation left me feeling uneasy and concerned about their conduct. 
I believe this matter requires review, as the teller 's response and actions were not appropriate for a bank setting. Please investigate this incident and ensure better accuracy and professionalism in the future. I would appreciate a follow-up on the outcome
Consumer complaint received 2024-10-02
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: JPMORGAN CHASE & CO. (NY)

Ive be came a victim of fraud last year 2023 when some one broke into my wife car Ive Ben goin through the rope with identity theft Ive been contacted the local pd in they told me to cont cfpb
Consumer complaint received 2024-10-03
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: Bread Financial Holdings, Inc. (NY)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and New York Laws Dear COMENITYCB/ZALES, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft fraud laws under New York State Penal Law 190.80 . 

It has unequivocally come to my attention that COMENITYCB/ZALES has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1

681b ( a ) ( 2 ). In addition to federal law, New York State law , specifically under Penal Law 190.80 ( Identity Theft in the First Degree ), underscores the seriousness of unauthorized access and misuse of personal information, including unauthorized credit reporting. Such actions not only violate my rights under federal law but also infringe upon New Yorks stringent identity theft protections.

I assert with unwavering certainty that I have not provided consent for COMENITYCB/ZALES to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that COMENITYCB/ZALES immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and New York State Penal Law 190.80 . Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft and fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and New York State law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that COMENITYCB/ZALES will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DIGITAL FEDERAL CREDIT UNION (RI)

Someone opened an account in my name without my knowledge and it has caused my credit score to drop by XXXX points, I never opened this account and looks the account was opened online. I only bank with XXXX  and XXXX XXXX. I never opened this account I dont know who did and Im an old XXXX XXXX XXXX woman who barely figured out how to do this. Ive called and called and get nowhere with complaints with DCU Digital Federal Credit union but I continue to receive notices saying Im past due on accounts I never opened. I am also losing credit cards because of this and my score drop. Please help me
Consumer complaint received 2024-10-02
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (GA)

Under law 1681 ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (IN)

On XX/XX/year>, a company named Collection Management XXXX opened a collections on me for an unpaid hospital bill for {$900.00} at XXXX XXXX XXXX XXXX XXXX XXXX. I looked into where this company is located and it is in XXXX XXXX, XXXX. Through XXXX I filed a dispute and told them I have never been to this hospital in my life and that I havent been to the hospital in quite some time. My dispute has gone though and I received the result stating, The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. This collection has dropped my credit score significantly. I also looked into this collection management company and found that it is a scam, they double charge people and take unauthorized charges from peoples accounts. I just find this very upsetting that XXXX said this information is accurate because this debt is not mine.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (CO)

My bank account was closed Huntington bank in XXXX  XXXX area. I filed a complaint through them because it was always something. They informed me that they wanted to close it its been a month since and I havent received my check from my savings. I dont have another 30 days to wait for my money. I want ever dollar out my savings. They charging me a extra - {$450.00}. I highly do not recommend banking here ever or in the next lifetime.
Consumer complaint received 2024-10-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC (GA)

I had an XXXX  visit for a motorcycle accident I was in. An out of network physician worked on me and put in my date of birth wrong as the date of the incident. XX/XX/XXXX is the date they put as my birthday and the date of the incident was XX/XX/XXXX. 
Talking with the bill issuer, XXXX XXXX, It was noted that they submitted the claim as an auto claim instead of a medical insurance claim which caused the insurance to bounce because it should have been submitted as a medical claim. It was also noted that the issuer stated that since the date of birth was wrong this caused the insurance to bounce as well. XXXX group says they cant do anything because they sold it to collections already, even though they are the ones who submitted everything wrong. Ive called the collection company, Credit management company, multiple times and they have not came up with a resolution other than to pay the bill of {$1400.00}, which I have no right to pay.
Consumer complaint received 2024-10-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WESTERN UNION COMPANY, THE (TX)

I received an email,, from a third part company saying that they represent XXXX XXXX XXXX. I owe an amount of almost {$7000.00} and I have 5 hours to either pay a settlement fee of {$3000.00} or make {$500.00} per week payments. I replied back saying that I would some information from them, just to show legitimacy on this account since there are many scam companies out there. They replied back rudely, saying they dont ' have to supply any such thing to me and I'll get what I get when it's paid. Replying I had 4 hours to pay or else.

Again, no name of this third party company, just it says at the top of the email they represent this law firm. Again I ask for information, and I even tried to find the lawfirm to send a contact form directly to them. Nothing from lawfirm. This third part then sent another form today, saying they are going to submit this to court and I would be required to show up and could be arrested and have all my belongings seized as well. 

I have received XXXX paperwork and XXXX correspondence from this lawfirm. I've reached out and gotten nothing. XXXX not even sure of the account and amount owed is real either. 

All emails are from XXXX and XXXX and thats all that i have from them.
Consumer complaint received 2024-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SN SERVICING CORPORATION (LA)

I made 3 payments in XX/XX/XXXX the payment made that was clearly drafted from my account by SN Servicing corporation ( I have proof and a statement from my bank ). I have repeatedly sent this proof. Because they will not correct this they have been adding late fees on us for 3 years for a payment they drafted from my bank. And was actually attacked by one of their customer service representatives after I sent the proof.But no one including the supervisor will stay on the phone to help but instead cut me off and avoid me.I am avoided calls not returned. My loan matures XX/XX/XXXX We are in fear of them taking our home and land that we have paid on for over 20 years. Customer service is horrible no one willing to help with something that could be very easy to clear up.